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Flat-Fee Plan

Flat-Fee Credit Repair Model

Our flat-fee model offers a straightforward approach to credit repair with a one-time payment for comprehensive services.

Definition of Service

  • Instead of being limited by item count per cycle, Model 2 covers all negative and inaccurate items on a client’s credit reports.
  • Work is performed across all three credit bureaus (Experian, Equifax, TransUnion) for the entire duration of the selected timeframe.
  • Coverage is defined by time period (months), not number of items.
  • During the coverage period, disputes are filed continuously until all items have been addressed, escalated, or resolved.

    • Service Structure

  • Scope of Work: Comprehensive credit dispute management and full-file cleanup.
  • Deliverables Within Coverage Period:
    • Unlimited disputes prepared and submitted across all bureaus
    • Escalated dispute support (debt validation, goodwill letters, cease-and-desist notices, escalations)
    • Coaching and financial planning services integrated throughout the engagement
    • Status updates at regular intervals (end of each bureau cycle and/or monthly review)
  • Coaching Component: Includes a one-time coaching session for financial planning and credit management.

    • Subscription Tiers

    Choose the plan that fits your credit repair needs

    Tier 1

    $2,500

    • 3 Months Coverage Duration
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    Best for: Clients with smaller files who want aggressive short-term action

    Tier 2

    $3,200

    • 6 Months Coverage Duration
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    Best for: Clients with moderate/complex files requiring multiple dispute cycles

    Tier 3

    $3,600

    • 9 Months Coverage Duration
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    Best for: Clients with larger files, including moderate to severe derogatories

    Tier 4

    $4,200

    • 12 Months Coverage Duration
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    Best for: Comprehensive coverage for heavily damaged files needing ongoing work

    Tier 5

    $4,800 - 5,000

    • 18 Months Coverage Duration
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    Best for: Extended coverage for highly complex cases (bankruptcies, foreclosures, multiple judgments/tax liens)

    Billing Structure

  • Frequency: One-time flat fee
  • Timing: Charged after the 3-day rescission period (per compliance requirements).
  • Guarantee: Covers all dispute activity for the full timeframe, regardless of number of items.

    • Client Fit

  • Appropriate for clients with significant credit damage (large number of negatives, multiple complex derogatories).
  • Best suited to those seeking certainty in cost and comprehensive service without limitations.
  • Attractive to clients who want to resolve issues as quickly and completely as possible without worrying about caps.

    • Strategic Positioning

    Advantages:

    • Covers all negative/inaccurate items, no caps
    • Client knows total cost upfront — no ongoing monthly billing uncertainty
    • Encourages faster resolution since fee is fixed
    • Stronger fit for clients with complex cases

    Limitations (relative to Model 1 – Monthly):

    • Higher upfront investment required
    • May feel less flexible for clients who prefer pay-as-you-go billing

    Is This Model Right for You?

    With this model, clients pay once and know that all work will be completed within the defined timeframe, regardless of item count. This makes it the most comprehensive, predictable, and results-focused option.

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