Cancellation service #1 in New Zealand
Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Credit Innovation service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Credit Innovation: Easy Method
What is Credit Innovation
Overview
Credit Innovation Group (CIG) is a credit repair and credit monitoring service that assists customers with disputing items on credit reports and providing access to credit portal data.
The company appears to operate from a US address and offers membership and tiered services such as a Platinum service with a results guarantee.
Services offered
CIG provides a membership portal for credit data access and additional paid services for active dispute work and claimed improvements to credit files.
Public documentation highlights membership access and a Platinum tier that includes a 90-day results guarantee under specific conditions.
How to cancel Credit Innovation
Primary methods
Cancellation after the statutory or contractual cooling-off window is handled primarily by phone through your assigned credit specialist.
General customer service can accept cancellation requests, but may require phone verification and will process requests within 2 business days.
Step-by-step cancellation
- Confirm whether you are still within the cooling-off period (see NZ cooling-off rules below).
- If within the right of rescission, prepare a written cancellation notice as required by law or company policy.
- Contact your assigned credit specialist by phone to request cancellation; keep a record of the call date, time and agent name.
- If you cannot reach your specialist, contact general customer service and request cancellation; ask for written confirmation and note any verification steps.
- Follow up promptly if you continue to see charges - contact your bank or card issuer to stop recurring payments if necessary.
What happens when you cancel
Access and account status
On cancellation, access to the CIG membership portal and credit-data services is typically revoked according to the company’s terms.
Membership fees are non-refundable, but account access and any active services should cease after cancellation is processed.
Renewal, billing and data
Recurring billing should stop once cancellation is confirmed, though several customer reports indicate continued charges in some cases.
Data retention and deletion policies are governed by CIG’s terms; ask your specialist how your credit data and account information will be handled after cancellation.
Will I get a refund?
Standard refund policy
CIG states membership fees are non-refundable because they pay for portal maintenance and credit data access.
If you paid only a membership fee, expect no refund under their published policy.
Platinum service and exceptions
- Platinum payments are refundable only if you meet the 90-day results guarantee conditions.
- Conditions include following the program, making each monthly payment on time, working with the company for 90 days, and showing no corrections on your credit reports after that period.
- If the conditions are met you may request a refund of all Platinum payments; requesting that refund also triggers service cancellation.
- No explicit App Store/Google Play refund instructions are provided in publicly available documentation.
Credit Innovation plans and pricing
Plan list
Public documentation references at least a membership and a Platinum service but does not list NZ-specific prices in available sources.
Use the table below for a concise summary; prices are not published in the verified data and are therefore shown as 'Varies' where empty.
Notes on pricing
Membership fees are described as non-refundable in the policy.
Platinum service may offer a conditional refund under the 90-day guarantee; confirm exact pricing with your specialist.
| Plan | Description | Price (NZ) | Refundability |
|---|---|---|---|
| Membership | Portal access and credit data maintenance. | Varies | Non-refundable |
| Platinum Service | Active dispute work with a 90-day results guarantee if conditions met. | Varies | Refundable only if 90-day guarantee conditions are satisfied |
Your consumer rights in New Zealand
Cooling-off period
Under the Credit Contracts and Consumer Finance Act 2003, NZ consumers have a statutory cooling-off period for credit contracts.
Timing depends on how the documents were delivered: typically 5 working days if handed directly, 7 if sent electronically, or 9 if mailed.
How this applies to Credit Innovation
- CIG’s policy mentions a 5-day right of rescission but does not explicitly confirm alignment with New Zealand law.
- To exercise NZ statutory rights, cancellation must generally be made in writing within the applicable working-day window.
- If you are in New Zealand and unsure, seek independent advice or contact local consumer support to confirm how to apply the cooling-off rules to this provider.
Customer experiences
Positive feedback
There are a small number of positive reports, including customers who saw minor improvements in credit or received helpful contact from a specialist.
Some users reported scheduled appointments and partial progress on credit issues.
Negative feedback
Many negative reviews report recurring charges after cancellation, difficulty contacting assigned agents, and refusal of refunds.
Several reviewers described unmet promises (e.g., disputed items not actioned) and called the service a scam in extreme cases.
Documentation checklist
What to prepare before cancelling
- Account number, membership or client ID, and the name of your assigned credit specialist.
- Copy of the signed contract or service agreement and the date it was delivered.
- Payment records: receipts, bank or card statements showing charges and dates.
- All correspondence (emails, chat logs) and notes from phone calls (date, time, agent name).
Where to present or send documents
- Be ready to provide documentation during the cancellation phone call with your specialist.
- If contacting general customer service, request written confirmation by email and retain that message.
- There is no dedicated New Zealand postal address listed; the company listing is a US address.
Common mistakes
Mistakes during cancellation
Relying solely on email or a single voicemail without obtaining written confirmation can lead to continued billing disputes.
Example: a customer who only emailed a cancellation request later reported further charges and lacked a confirmation timestamp.
Payment and timing errors
Failing to act within the statutory cooling-off window or not documenting payments can void the chance to claim a refund under the provider’s or NZ law.
Example: customers who missed the 90-day guarantee requirements for Platinum refunds by missing a payment or not engaging as required.
Comparative recap
At-a-glance comparison
The table below summarises key differences between Credit Innovation’s stated policy and typical NZ consumer protections.
Use it to quickly identify which route to pursue for cancellation or refunds.
Key differences
CIG’s documented 5-day right of rescission may not match the longer NZ statutory windows depending on delivery method.
Customers should rely on NZ law where it offers broader protection and keep written records if disputing charges.
| Topic | Credit Innovation | Typical NZ consumer right |
|---|---|---|
| Primary cancellation method | Phone via assigned credit specialist; customer service accepts requests (2 business days processing) | Cancellation may be required in writing during statutory cooling-off periods; local procedures apply |
| Cooling-off period | Mentions a 5-day right of rescission in policy | 5, 7 or 9 working days depending on delivery method under NZ law |
| Refunds | Membership non-refundable; Platinum refundable only under strict 90-day conditions | Refunds depend on contract type and statutory rights; NZ law may provide remedies if services are not delivered |
After cancelling
What to monitor
Watch your bank and card statements for at least one billing cycle to confirm recurring payments have stopped.
Retain all confirmation messages and any final account statements for future disputes.
Where to get help
- Review the company policy: Cancellation & Refund Policy.
- Read community guidance on NZ cooling-off rules: Community Law NZ - When you can cancel a credit contract.
- See customer reviews for common issues: Credit Innovation on Trustpilot.
Address
Registered address
Credit Innovation Group lists the following address for its US operations:
625 No. State Street Unit 2, Hilldale, UT 84784, United States
Notes on contacting
No New Zealand postal cancellation address is provided in public documentation; cancellations are handled by phone or general customer service.
If you are in NZ, prepare to use phone and email channels and consider contacting your bank or local consumer protection services if you encounter billing issues.
Similar cancellation services
FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.