Choose the plan that best fits your credit repair needs and budget
| MODEL 1 - MONTHLY SUBSCRIPTION | |||
|---|---|---|---|
| Service Tier | Description | Items Per Cycle | Price |
| Tier 1 | Best for: Clients with minor or limited issues | 3 items per cycle | $149/month |
| Tier 2 | Best for: Clients with moderate number of inaccuracies | 5 items per cycle | $249/month |
| Tier 3 | Best for: Clients with mixed small + moderate issues | 7 items per cycle | $299/month |
| Tier 4 | Best for: Clients requiring faster progress, higher volume disputes | 10 items per cycle | $399/month |
| MODEL 2 - FLAT FEE PLAN | |||
|---|---|---|---|
| Service Tier | Description | Coverage Duration | Price |
| Tier 1 | Best for: Clients with smaller files who want aggressive short-term action | 3 months | $2,500 |
| Tier 2 | Best for: Clients with moderate/complex files requiring multiple dispute cycles | 6 months | $3,200 |
| Tier 3 | Best for: Clients with larger files, including moderate to severe derogatories | 9 months | $3,600 |
| Tier 4 | Best for: Comprehensive coverage for heavily damaged files needing ongoing work | 12 months | $4,200 |
| Tier 5 | Best for: Extended coverage for highly complex cases (bankruptcies, foreclosures, multiple judgments/tax liens) | 18 months | $4,800 - $5,000 |
| MODEL 3 - PAY-PER-ITEM | |||
|---|---|---|---|
| Item Type | Description | Price | |
| Basic Errors | Best for: Wrong addresses, duplicate accounts, outdated employer info, outdated inquiries. | $25 per item | |
| Minor Accounts | Best for: Late payments, minor balance errors, closed accounts showing incorrectly. | $75 per item | |
| Moderate Accounts | Best for: Collections, charge-offs under $1,000, repossessions with limited documentation. | $125 per item | |
| Complex Accounts | Best for: Charge-offs over $1,000, foreclosures, multiple collection transfers. | $175 per item | |
| Severe/High-Impact | Best for: Bankruptcies, tax liens, judgments, student loan defaults. | $200 per item | |
| MODEL 4 - PAY UPON DELETION | |||
|---|---|---|---|
| Item Type | Description | Price | |
| Basic Errors | Best for: Wrong addresses, duplicate accounts, outdated employer info, outdated inquiries. | $50 per deletion | |
| Minor Accounts | Best for: Late payments, minor balance errors, closed accounts showing incorrectly. | $75 per deletion | |
| Moderate Accounts | Best for: Collections, charge-offs under $1,000, repossessions with limited documentation. | $125 per deletion | |
| Complex Accounts | Best for: Charge-offs over $1,000, foreclosures, multiple collection transfers. | $175 per deletion | |
| Severe/High-Impact | Best for: Bankruptcies, tax liens, judgments, student loan defaults. | $250 per deletion | |
| ADDITIONAL SERVICES | |||
|---|---|---|---|
| Service | Description | Category | Price Range |
| Initial Credit Analysis | Comprehensive review of credit reports from all bureaus | Consultation | Free |
| Credit Score Coaching | One-on-one coaching sessions for credit improvement | Education | $50-$150 per session |
| Debt Negotiation | Negotiating with creditors to lower balances or remove items | Negotiation | $200-$500 per negotiation |
| Hard Inquiry Removal | Escalated removal of unauthorized hard inquiries | Specialized | $150 per inquiry |
| Credit Building Plan | Customized plan for building/rebuilding credit | Strategy | $300 (one-time) |
| MONTHLY CREDIT EDUCATION SUBSCRIPTION | ||
|---|---|---|
| Service | Description | Price Range |
| Initial Credit Analysis and Consultation | A detailed review of your credit report to identify areas for improvement | Free |
| Monthly Credit Education Subscription | Comprehensive monthly service package covering disputes up to 6 items, monitoring, and 15 minute meeting to discuss progress and actions | $150 per month |
| Initial Setup Fee | Initial credit bureau and data furnisher freezes, credit monitoring subscription linkage, account setup, and 1 personal information correction | $349 (one-time fee) |
| ADD ON SERVICES | ||
|---|---|---|
| Service | Description | Price Range |
| Dispute Filing | Filing disputes with credit bureaus for inaccurate or negative items in excess of the 6 items included in the monthly credit Education subscription | $25 per item disputed |
| Credit Score Coaching | One-on-one coaching to help improve credit score in excess of the 15 minute per month meeting included in the monthly credit Education subscription | $50-$150 per session |
| Credit Report Corrections | Working with creditors to correct mistakes or remove inaccurate information in excess of the 1 included in the initial setup fee | $75-$200 per correction |
| Debt Negotiation Services | Negotiating with creditors to lower outstanding balances or remove items | $200-$500 per negotiation |
| Hard Inquiry Removal Escalation | Removing unauthorized or unnecessary hard inquiries from your credit report when the normal dispute process is not effective | $150 per inquiry |
| Credit Building Plan | Customized plan to help build or rebuild credit through secured cards, loans, etc. | $300 (one-time fee) |
