A Money Back Guarantee offered after 90 days in the context of credit repair is a commitment made by a credit repair company to refund fees paid by the client if certain conditions are not met within the specified timeframe. While the exact terms can vary among different companies, here are some common elements you might find in a Money Back Guarantee after 90 days in credit repair:

1. Performance Criteria: The guarantee typically outlines specific criteria that must be met for the client to be eligible for a refund. This could include improvements in the client's credit score, the removal of certain negative items, or other measurable results.

2. 90-Day Timeframe: The guarantee specifies that the client is eligible for a refund if certain improvements are not achieved within the first 90 days of the credit repair service.

3. Documentation Requirements: Clients may be required to provide documentation as evidence of their efforts to follow the recommended steps in the credit repair process during the initial 90 days. This might include copies of dispute letters, proof of payments made, or other relevant documentation.

4. Exclusions or Limitations: Guarantees often come with exclusions or limitations. Common exclusions may include cases where the client has incurred new negative items during the 90-day period, situations beyond the control of the credit repair company, or instances where the client has not fulfilled their responsibilities.

5. Clear Communication: The credit repair company should maintain clear communication with the client throughout the 90-day period, providing regular updates on the status of disputes and any changes to the client's credit reports.

6. Client Responsibilities: The guarantee may specify certain responsibilities that the client must fulfill during the initial 90 days to remain eligible for the refund. This could include making timely payments, providing necessary information, and following the advice provided by the credit repair company.

7. Legal Compliance: The Money Back Guarantee should comply with relevant laws and regulations governing the credit repair industry. Ensuring compliance with laws like the Credit Repair Organizations Act (CROA) is crucial.

8. Transparency and Disclosures: A reputable credit repair company should be transparent about the limitations of the Money Back Guarantee after 90 days. Clients should be aware of any circumstances that may void the guarantee and should have realistic expectations about the outcomes within the specified timeframe.

It's important for consumers to carefully review and understand the terms and conditions associated with a Money Back Guarantee after 90 days before enrolling in any credit repair program. Additionally, individuals should research and choose credit repair services that are reputable, compliant with regulations, and transparent in their communication.