FAQs

Frequently Asked Questions for PayOff Cred

Q: What is PayOff Cred?
A: PayOff Cred is an educational service and support platform that helps individuals pay off debt, remove negative accounts, and take control of their financial future. Our mission is to empower you with the tools, knowledge, and strategies needed to improve your credit and achieve financial peace.

Q: What services does PayOff Cred offer?
A: We offer three core services:

• PayOff Strategy™ – Personalized guidance to help you manage and eliminate debt, reduce collection accounts, and create a clear payoff plan.

• Credit Rebuild Toolkit™ – Step-by-step education and support for improving your credit score, disputing negative items, and building a strong credit profile.

• Money Clarity Coaching™ – Coaching sessions that focus on budgeting, smart money habits, and long-term financial goal setting.

Q: Is PayOff Cred a financial advisor or debt settlement company?
A: No. PayOff Cred is not a financial advisor, brokerage, or debt settlement company. We provide education, support tools, and credit empowerment services designed to help you make smarter financial decisions. We do not offer legal or licensed financial advice.

Q: Can PayOff Cred help me eliminate my debt?
A: Yes. While we don’t directly negotiate or settle your debt, we equip you with proven strategies to reduce balances, stop harassment from collectors, and clean up your credit profile. Many of our clients have used our tools to successfully pay off collections and improve their credit.

Q: Does PayOff Cred serve clients outside the U.S.?
A: At this time, our services are only available for individuals residing in the United States. We plan to expand internationally in the future.

Q: How do I book a consultation with PayOff Cred?
A: You can book a free consultation by visiting our website and clicking on the “Book Now” or “Free Consultation” button. Choose a time that works for you, and one of our specialists will meet with you to understand your situation and recommend a path forward.

Q: Are PayOff Cred’s services free?
A: We offer a mix of free resources and paid service plans depending on your needs. You can view all pricing options on our website or speak to one of our team members during your consultation.

Q: How do I create an account with PayOff Cred?
A: Simply go to our website, click “Sign Up”, and enter your information. Once your account is active, you'll gain access to your client dashboard and tools.

Q: What’s the cancellation policy for PayOff Cred?
A: You can cancel your subscription at any time. For full details, please refer to our Terms of Service, or contact customer support if you need help managing your account.

Q: How does PayOff Cred protect my personal information?
A: Your privacy and security are our top priority. PayOff Cred uses encrypted systems and follows industry-standard security protocols to keep your data safe and confidential.