How Credzu’s escrow and pay-per-point model work

Last updated: December 5, 2025

1. Overview

These Escrow Instructions (“Instructions”) explain how money is deposited, held, and released through the Credzu escrow system when Consumers work with credit repair Service Providers through the Platform.

By:

  • creating an account,
  • signing an Engagement Agreement with a Service Provider, or
  • funding escrow through Credzu,

you agree to these Instructions, along with the User Agreement, Fees & ACH Authorization Agreement, and Credit Repair Disclaimer.

Credzu is a neutral escrow and payments platform. We are not a credit repair company and do not perform credit repair services. We simply hold funds and release them according to this document and the Engagement Agreement.

2. Key Definitions

  • Consumer – An individual using Credzu to hire a credit repair Service Provider.
  • Service Provider – A credit repair company or expert using Credzu to provide services to Consumers.
  • Engagement Agreement – The written agreement between a Consumer and a Service Provider that describes services and expectations. Credzu is not a party to this agreement.
  • Escrow Account – The pooled escrow account Credzu maintains for the benefit of Consumers and Service Providers.
  • Consumer Escrow Balance – The portion of funds in escrow allocated to a specific Consumer.
  • Earned Amounts – The portion of escrow that belongs to a Service Provider, based on the Consumer’s credit score improvement under the pay-per-point model.

3. Credzu’s Role as Escrow Agent

Credzu:

  • Holds Consumer funds in a protected escrow account, separate from Credzu’s operating funds.
  • Releases money only when conditions in these Instructions are met.
  • Uses a $5.00 per point per bureau billing structure that all Service Providers on the Platform must follow.
  • Verifies score changes using third-party credit reports.
  • Returns unearned funds to Consumers after services end or if a cap is reached.

Credzu does not:

  • provide credit repair services,
  • promise any particular number of points gained, or
  • guarantee loan approvals or financial outcomes.

4. Funding Escrow

4.1 Standard Escrow Deposit

To begin services, a Consumer must fund escrow through Credzu. In most cases:

  • The standard escrow deposit is $999.00,
  • Or, if available, an alternative deposit plan may allow three monthly payments of $333.00 each, as described in the app or Engagement Agreement.

The exact deposit amount and timing will be visible in the Credzu interface before you authorize any payment.

4.2 Payment Method

Consumers fund escrow by:

  • securely linking their bank account, and
  • authorizing Credzu to withdraw funds via ACH.

We do not accept cash or direct payments to the Service Provider outside of Credzu.

4.3 Ownership of Funds

  • While funds are in escrow, they belong to the Consumer, not the Service Provider.
  • Service Providers only earn money when the Consumer’s scores actually increase.

5. The $5.00 Per Point Per Bureau Model

5.1 Core Rule

All credit repair Service Providers on Credzu use the same billing structure:

$5.00 per point per bureau
You pay $5.00 for each point your credit score increases on each credit bureau.

No monthly fees, flat fees, pay-per-deletion, or similar models are allowed on Credzu.

5.2 How Points Are Counted

For each engagement:

  1. Credzu establishes a baseline credit score for each major credit bureau (for example, Equifax, Experian, and TransUnion).
  2. At scheduled intervals, Credzu obtains updated credit reports and scores from a third-party provider.
  3. For each bureau, we calculate the net positive change in score from the baseline.
  4. We add up the improvements across all bureaus.

Example:

  • Baseline:
    • Equifax: 600
    • Experian: 610
    • TransUnion: 620
  • After services:
    • Equifax: 620 (+20)
    • Experian: 625 (+15)
    • TransUnion: 615 (-5)

We count only positive changes:

  • Equifax: +20
  • Experian: +15
  • TransUnion: +0 (no charge for negative change)

Total points billed: 35
Total fee: 35 × $5.00 = $175.00

5.3 Score Checks Every 45 Days

  • Credzu typically checks scores about every 45 days while an engagement is active.
  • Each time we verify improvement, we calculate earned amounts based on the pay-per-point model.
  • If there is no improvement, no performance-based fee is earned for that period.

6. Caps and Credit Report Costs

6.1 Maximum Total Cost

To keep pricing predictable and fair:

  • A Consumer will never pay more than $999.00 total, including credit report costs and pay-per-point fees, for a single engagement through Credzu.

If the total calculated fees would exceed this cap, Credzu will stop charging additional performance-based fees.

6.2 Credit Report Fees

  • Credzu uses embedded, tri-bureau credit reports with scores, provided at approximately $12.00 per 3-bureau report at cost, not as a profit center.
  • These report costs come out of escrow and count toward the overall $999.00 cap.

7. How Funds Are Released

7.1 Earning of Funds

Each time Credzu verifies an increase in a Consumer’s credit scores:

  1. Credzu calculates the earned amount based on the pay-per-point model.
  2. That portion of the Consumer Escrow Balance becomes the Service Provider’s earned fee.
  3. Credzu deducts any applicable Credzu fees as described in the Fees & ACH Authorization Agreement.
  4. Credzu releases the net earned amount to the Service Provider.

7.2 Consumer Visibility

  • Consumers can view their escrow balance and score changes inside Credzu.
  • When scores improve, the related payment to the Service Provider is triggered automatically based on the objective score data.
  • Consumers understand that they are hiring a credit repair company, not a “loan approval” company. If scores improve but a loan is still denied, the improvement is still billable.

7.3 Unearned Funds

Any funds remaining in escrow that are not earned by the Service Provider under this model are considered unearned and are:

  • returned to the Consumer once services end, are canceled, or the cap is reached,
  • subject to any outstanding report costs or required adjustments.

8. Disputes About Escrow and Points

Because the model is based on objective score changes, disputes are rare. However:

8.1 When You Can Dispute

A Consumer may dispute a charge only if:

  • The credit report used clearly belongs to someone else;
  • The score is obviously incorrect or mis-read;
  • The calculation of points or fees appears inconsistent with this document.

A Consumer may not dispute a valid fee simply because:

  • A lender still declined a loan, or
  • The Consumer is unhappy with the amount of score improvement.

8.2 Dispute Process

If you believe there is an error:

  1. Notify Credzu through the Platform within the time shown in the app for disputes.
  2. Provide any documentation or explanation requested.
  3. Credzu may pause further disbursements while reviewing.

Credzu may:

  • Ask for additional information,
  • Re-confirm reports or calculations, or
  • Adjust charges if an error is confirmed.

8.3 Elevation to Arbitration

If a dispute cannot be resolved through Credzu’s internal process, it may be escalated to binding arbitration, as described in the User Agreement.

9. Chargebacks Are Not Allowed

Consumers agree:

  • Not to initiate chargebacks against escrow deposits or performance-based fees.
  • That doing so is a material breach of the User Agreement.
  • That Credzu may recover chargeback amounts through any available method, including ACH, collections, or legal action.

The only proper way to contest a charge is through the Credzu dispute process and, if needed, arbitration.

10. Negative Balances and Recovery

If:

  • a Consumer’s account becomes negative due to chargebacks, reversals, or adjustments, or
  • a Service Provider’s account becomes negative due to refunds or corrections,

then the affected user must promptly repay the negative amount. Credzu may:

  • debit linked payment methods,
  • offset amounts against future payments, or
  • use collection processes or legal remedies.

11. Escrow Agent Protections

Credzu may:

  • Rely on information we reasonably believe to be accurate,
  • Refuse to act on conflicting instructions,
  • Hold funds while investigating disputes or suspected fraud,
  • Deposit disputed funds with a court if necessary, or
  • Use third parties, including attorneys, to carry out escrow obligations.

Credzu’s decisions about escrow releases made in good faith and consistent with these Instructions are final from Credzu’s perspective.

12. No Interest on Escrow Funds

Funds in escrow do not earn interest for Consumers or Service Providers.

Any interest or earnings (if any) may be retained by Credzu as part of operating the escrow system, unless otherwise required by law.

13. Ending Services and Closing Escrow

When an engagement ends (either by completion or cancellation):

  1. Credzu confirms final scores and calculates any last performance-based fees.
  2. Any earned funds are released to the Service Provider.
  3. Any unearned funds are returned to the Consumer.

Ending an engagement does not change your obligations under the User Agreement, including arbitration and non-circumvention.

14. Changes to These Instructions

Credzu may update these Escrow Instructions from time to time.
We will post updates on the site and update the “Last updated” date above.

Continuing to use Credzu after changes means you accept the revised Instructions.

15. Contact Us

Credzu, LLC
1980 N. Atlantic Avenue, Second Floor
Cocoa Beach, FL 32931
Email: info@credzu.com

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