Evergreen Credit Rebuilder Conditional Guarantee
As a nonprofit, Evergreen offers a 100% money-back guarantee if a client enrolls in the Credit Rebuilder Program, follows the required steps, and does not achieve a 720 credit score within 24 months. This is a full refund, including the setup fee AND all monthly payments.
How the Guarantee Works
The guarantee begins once the client completes the following steps and continues for
24 months:
1. Run Your Credit Report
- Save a copy for your records so we can document the findings.
2. Apply for Credit Cards
- Get approved for three credit cards.
- Review the List of Pre-Screened Cards Here to find credit cards currently approving clients with credit setbacks.
3. Remove All Errors on Your Credit Report (Lesson 1)
- If you have had a bankruptcy within the past four years, sign up here for a free credit report review.
- If you have NOT had a bankruptcy but have an error on your credit report
that will not come off (after following Lesson 1), sign up here to speak to an attorney who will remove the error for free.
4. Negotiate Collections (If Applicable)
- Contact creditors/collection agencies to negotiate outstanding collection accounts within one month of starting the program.
- Follow the provided script, letters, and lesson from the 7 Steps to a 720 Credit Score course.
- Document all interactions, including:
- Date and time of the call
- Name of the representative
- Phone number called
- Outcome of the conversation
(Note: This step does not apply to most bankruptcy clients.)
Ongoing Requirements During the 24-Month Process
To remain eligible for the guarantee, the client must:
- Pay Bills on Time – Ensure all bills are paid on time throughout the 24-month program.
- Maintain Proper Utilization – Keep your credit utilization rate below 30% on all credit cards between months 13-24 of the guarantee.
- Monitor Your Progress – Re-run your credit report and credit score every six months during the program.
Our Promise to You
Completing these steps will help you achieve a 720 credit score within 24 months. However, if you follow all requirements and do not reach a 720 credit score, Evergreen Financial Counseling will issue a full refund—including the setup fee AND all monthly payments.
Important Note:
The 24-month guarantee period starts when all required steps are completed. For example, if you obtain your credit cards in month three, the guarantee begins in month three and continues for 24 months from that point.
Call 800-720-6886