Help with credits, payments, and billing

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Learn the options to access a Risk Factor report and find answers to common payment questions and issues.

Credits, promos, and payment

Risk Factor content and features are only viewable to Risk Factor members who unlock properties either through credits or purchases. 


A credit allows a user to unlock a property without having to purchase it via the billing process. One credit is automatically applied to everyone’s account to allow you to unlock your first property for free. This free credit will expire one year after registration. Credits cannot be purchased, however, they can be redeemed through promo codes.

Promo Codes

A promo code is used to apply credits to a user’s account and can be worth one or more credits. Note, one credit is needed to unlock a property. All promo codes have an expiration date, meaning a specific timeframe in which the code can be redeemed to receive credits. 


If you have already used the free credit you received when you registered for Risk Factor, you will need to enter your credit card and billing information in order to unlock subsequent properties. You have the option to enter your credit card information or connect your Apple Pay or Google Pay account. To save your payment information for future purchases check your Store credit card for future use. After you purchase a report you will receive two emails. The first is to notify you that your payment is currently processing. The second email is a receipt confirming your purchase. Once you receive the second email the Risk Factor information for the property will be unlocked.

Payment questions and issues

Update payment method

Your credit information is stored in your Risk Factor account under My Billing. You must first sign in using your password and the email registered with your account to update the payment information saved to your account. To update the credit card saved to your account:

  1. Click on My Billing in the drop-down under your user icon on the upper right side of the screen
  2. Under payment methods click Update to change the credit card currently associated with your account.
  3. Click Save card info for Risk Factor to remember these changes.


View invoices

You can find invoices of all the properties you’ve unlocked with credits or purchases in your Risk Factor Account. Ensure you are signed into your account and follow the instructions below:

  1. Click on Account Settings in the drop-down under your user icon on the upper right side of the screen
  2. Go to My Billing.
  3. Click Billing History to review your invoices



At this time we are not providing any refunds for any Risk Factor report purchased. You must create a Risk Factor account to purchase property reports. To create a Risk Factor account you must agree to the terms and conditions and privacy policy. Our terms and conditions state that refunds are currently not allowed.

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