PLANS & PRICING
Clean up your credit with a clear, strategic plan.
Choose a plan that matches where your credit is today and where you want it to be in the next 6 to 12 months. Transparent monthly pricing with no long term contracts.
- Average 3–7 negative items challenged per cycle
- Month‑to‑month, cancel anytime
- Secure client portal to track your progress
See your potential progress
Most clients see changes in 45–90 days.
We challenge inaccurate negative items with the major credit bureaus and keep you updated every step of the way through your secure clients dashboard.
Starting at
$99/mo
No setup fee on Premium & Family plans.
Trusted strategies used to challenge inaccurate items with all three major bureaus
Choose your plan
Simple monthly pricing for real credit progress.
Every plan includes credit bur disputes, strategy guidance, and accesss to your secure client portal.
Transparent monthly pricing. No long term contracts. Cancel anytime.
You’ll receive ongoing guidance on utilization, payment behavior, and rebuilding strategies so the progress you make continues long after disputes are complete.
Not sure which plan fits your situation? Start with a credit review and we’ll recommend the best option based on your credit reports.
Not sure which plan fits your situation?
Start with a credit review and we’ll recommend the best option based on your credit reports.
How it works
Credit repair, broken down into 3 clear steps.
No confusing legal jargon. No mystery “credit magic.” Just a proven, compliant process that challenges inaccurate items and helps you build healthier credit habits.
We never guarantee a specific score increase. Instead, we focus on accuracy, transparency, and consistent progress.
1. Enroll & share your credit reports
Securely share your credit reports so we can identify inaccurate, outdated, or unverifiable items that may be affecting your credit profile.
2. We challenge inaccurate negative items
Each month, we send tailored dispute letters to the credit bureaus and when appropriate, creditors and track their responses inside your secure client portal.
3. Track progress & strengthen your credit
You’ll receive ongoing guidance on utilization, payment behavior, and rebuilding strategies so the progress you make continues long after disputes are complete.
Which plan is right for you?
Use this quick guide to match your situation to the right level of support.
Foundation
Choose this if you're just getting started repairing your credit and have a few negative items you want reviewed.
You have a few late payments or small collections
You have a few late payments or small collections
You're okay with steady progress over time
Momentum ⭐ Most Popular
Choose this if you have multiple negative accounts or want faster progress and deeper support.
You have several collections or charge-offs
You plan to buy a car or home in the next 6–12 months
You want creditor and collector disputes handled for you
You want creditor and collector disputes handled for you
Family Plan
Choose this if you and a partner want to rebuild your credit together.
You’re planning a joint mortgage or refinance
You want to save compared to paying for two individual plans
You want shared visibility into both credit journeys
Premier
Choose this if you want hands-on strategy and accelerated credit guidance.
You want direct expert guidance and strategy calls
You want a more aggressive dispute approach within compliance guidelines
You're preparing for a major purchase or approval timeline
Our 30‑Day Satisfaction Promise
Try any plan for 30 days. If you’re not satisfied with the service, communication, or support you receive during your first month, let us know and we’ll refund your first service payment.
Credit repair is a process, not an overnight fix. Most credit bureau investigations take up to 30 days to complete, and timelines can vary depending on how quickly bureaus and creditors respond.
Our promise is about the quality of our service. We focus on transparency, consistent communication, and performing the work necessary to challenge inaccurate, outdated, or unverifiable items on your credit reports.
You’ll always know what we’re doing, why we’re doing it, and what to expect next.
Questions about pricing?
Plans & billing, explained.
Credit repair should be transparent. Here’s what most new clients ask before they sign up.
Is there a contract or minimum commitment?
No. All plans are billed month-to-month, and there are no long-term contracts. You can pause or cancel your service at any time before your next billing date through your client portal or by contacting our support team.
Most clients stay enrolled for several months while disputes and credit improvements progress, but you always remain in control of your membership.
Do you charge a separate setup or audit fee?
We keep pricing simple and transparent. The Foundation plan includes a one-time $29 onboarding fee to set up your secure client portal and begin reviewing your credit reports. Momentum and Family plans include onboarding at no additional charge.
After the initial work on your credit file begins, an initial service fee is billed for the first service cycle.
The initial service fees are:
• Foundation: $149
• Momentum: $199
• Family Plan: $299
After the first work cycle is completed, your plan continues on a month-to-month basis at the standard monthly rate while services remain active.
How long will it take to see results?
Every credit profile is different, and we cannot guarantee a specific credit score increase. Many clients begin seeing updates or changes within 45–90 days, though more complex credit situations may take longer depending on the number of accounts involved and how quickly the credit bureaus and creditors respond.
What we can promise is a structured process with consistent dispute cycles, transparent updates, and clear communication so you always understand what’s happening with your credit file.
Will canceling my plan hurt my credit?
No. Canceling your plan simply stops new dispute cycles from being submitted on your behalf. Any positive changes made to your credit reports while you were a client will remain, as long as the information continues to be accurate and verified by the credit bureaus and creditors.
Canceling your service does not negatively affect your credit score. However, ongoing monitoring and dispute activity will stop once your plan is no longer active.
Can you remove accurate negative information?
No, and no legitimate credit repair company can. Accurate and verifiable information cannot legally be removed from a credit report.
Our focus is on identifying and challenging inaccurate, unverifiable, or outdated information in accordance with the Fair Credit Reporting Act. When items cannot be verified by the credit bureaus or data furnishers, they may be corrected or removed.
We also guide clients on long-term credit habits they can control, such as payment history, utilization, and account management, which play a major role in building and maintaining strong credit.
Ready to start improving your credit?
Ready to start improving your credit?
Takes less than 2 minutes. No impact on your credit score.