Work the 850 AI Auto program for a full year: nine dispute rounds mailed through 850mail, one every 40 days. If none of your three bureau scores was ever higher than the day you enrolled, we refund 100% of every Auto payment you made — for giving it an honest try.
How the guarantee works: what you pay for is 850 AI Auto — the $200/month plan where 850ai purchases your 3-bureau report, prepares your dispute rounds, and you click Deploy to send. The promise is simple: work the program in full for a year, and if your credit score never improved, those subscription payments come back to you in full.
Keep your 850 AI Auto subscription active and let 850ai run nine dispute rounds — one every 40 days — while you get your overall credit-card utilization to 5% or below by round six.
The waiting period gives the bureaus time to finish their last investigations and your reports time to settle. Your scores across the whole year come straight from your 850ai dashboard.
If none of your three bureau scores was ever higher than at enrollment, file a claim during the 30-day window that follows the wait. Every Auto payment you made comes back in full.
The guarantee covers members who actually work the program. Here is exactly what that means — every condition is objective and independently verifiable.
Your 850 AI Auto subscription stays active and uninterrupted for 12 consecutive months from the day you enroll, through the day your claim is decided. Any pause, lapse, downgrade, or cancellation ends eligibility.
Complete nine full dispute rounds, deployed on the 40-day cadence the FCRA investigation window allows. You must approve (Deploy) every scheduled round on time — skipping or delaying a round ends eligibility.
All nine rounds must be mailed through 850mail so every letter is independently tracked and time-stamped. Self-printed or self-mailed rounds do not count toward the guarantee.
Keep your 3-bureau report connection active the entire period, complete identity verification, and upload every bureau, creditor, or CFPB response within 14 days so each outcome can be tracked.
No new late payments, collections, charge-offs, repossessions, or bankruptcies added to your reports during the guarantee period. Disputes cannot outrun new negative activity.
Get your overall credit-card utilization to 5% or below by the time your sixth round deploys, and keep it there through your claim. High balances hold scores down no matter what disputes remove.
No payment disputes or chargebacks on any 850ai or 850mail charge during the period. A single chargeback voids the guarantee permanently.
Eligibility is based solely on the scores shown in your 850ai dashboard. Wait 60 days after round nine, then submit your claim during the 30-day window that follows. One guarantee per person, original account holder only, non-transferable.
Email support@my850.ai with the subject line "100% Guarantee claim" during the 30-day window that opens 60 days after your ninth round is mailed.
Include the email address on your account. Your 850mail records cover proof of mailing automatically, and your dashboard covers the score history.
We review complete claims within 14 business days. Approved refunds — 100% of your Auto subscription payments — go back to your original payment method within 10 business days.
It refunds 100% of every 850 AI Auto subscription payment you made during the guarantee period — every dollar you paid, back in full. Per-letter 850mail charges are mailing costs billed for postage and fulfillment and are not part of the refund.
No, and no honest company can promise that. Dispute outcomes are decided by the credit bureaus and the companies that report to them. This is a refund promise: if the program does not move any of your three scores above where you started after a full, honest year, you get 100% of your Auto payments back.
Because the guarantee covers the program as designed. Bureaus generally get 30 days to investigate each dispute under the FCRA, so a 40-day cadence gives every round a full investigation before the next one deploys, and nine cycles keep pressure on every questionable item across the entire year.
Eligibility depends on proving every round went out on schedule. 850mail time-stamps and tracks each letter automatically, which is the only mailing record we accept for claims. You can still download and mail letters yourself as a member — self-mailed rounds just do not count toward the guarantee.
850 AI Auto is $200/month, and the refund covers every payment from enrollment through your claim window. Nine rounds every 40 days plus the 60-day wait spans roughly 14 months, so an approved claim typically returns about $2,800 — a full refund of every Auto payment you made.
Because we refund every dollar you spent when the program truly does not work — so eligibility is reserved for members who genuinely worked it: every round deployed on time through 850mail, utilization down to 5% by round six, no new negatives, no chargebacks, report connected, and responses uploaded. Meet the terms and the promise is absolute.
The 850ai 100% money-back guarantee is a refund promise, not a promise of any credit outcome. 850ai does not control the credit bureaus or the companies that furnish information to them, and cannot guarantee that any specific item will be changed or removed or that any score will improve. The guarantee applies once per person, to the original account holder only, and is not transferable. It covers 850 AI Auto subscription payments only; per-letter 850mail charges are billed for postage and fulfillment and are not refundable under this guarantee. The terms in effect on the day you enroll are the terms that apply to you, and are in addition to your rights under our Terms of Service. Questions: support@my850.ai. Zilac Development (d/b/a 850 Boost Club / 850AI).