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Pay-Per-Item

Pay-Per-Item

Definition of Billing Method

  • Clients are charged a fixed per-item fee for each negative or inaccurate account/discrepancy that is prepared and submitted for dispute.
  • Billing occurs only after the dispute has been created and sent to the applicable credit bureau(s).
  • Pricing is determined by the type and complexity of the item.

    • Service Structure

  • Scope of Work: Targeted dispute management for individual negative items, billed per item.
  • Deliverables Per Item:
    • Review and documentation of the account in question.
    • Formal dispute letter(s) prepared and submitted to the relevant bureau(s).
    • Progress tracking and updates provided after bureau responses.
  • Optional Add-Ons: Debt validation, goodwill letters, or escalated dispute actions as needed (may be billed separately).

    • Fee-for-Service Pricing

    Service Fees by Item Type

    Basic Errors
    Wrong addresses, duplicate accounts, outdated employer info, outdated inquiries
    $25
    Minor Accounts
    Late payments, minor balance errors, closed accounts showing incorrectly
    $75
    Moderate Accounts
    Collections, charge-offs under $1,000, repossessions with limited documentation
    $125
    Complex Accounts
    Charge-offs over $1,000, foreclosures, multiple collection transfers
    $175
    Severe/High-Impact Accounts
    Bankruptcies, tax liens, judgments, student loan defaults
    $200

    Billing Structure

  • Frequency: Transaction-based, per item disputed.
  • Timing: Invoice generated after preparation and submission of each item’s dispute.
  • Guarantee: Client selects which items to dispute per cycle based on budget and priorities.

    • Client Fit

  • Suitable for clients with a limited number of negatives or those who only want specific accounts challenged.
  • Best for individuals seeking transactional control over what is disputed and when.
  • Particularly useful when a client wishes to prioritize high-impact accounts first.

    • Strategic Positioning

    Advantages:

    • Transparent pricing, pay only for what’s worked on.
    • Clients can control total spend by prioritizing specific items.
    • Simple billing process — clear fee per item type.

    Limitations (relative to Models 1 & 2):

    • Not cost-effective for clients with many negatives.
    • Does not include bundled coaching or unlimited coverage.
    • o May require multiple cycles for full resolution if budget is limited.

    Is This Model Right for You?

    Model 3 is the most transactional and flexible model, but works best for clients with fewer disputes or very targeted needs.

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