Contact Us Fix My Credit Now

Pay Upon Deletion

Pay Upon Deletion

Definition of Billing Method

  • Clients are charged a fixed per-item fee only after a negative or inaccurate item is successfully deleted from their credit report.
  • A retainer deposit is required at the start of service. This retainer is held in a trust/escrow account and used to settle invoices as items are successfully deleted.
  • Any unused retainer balance is refundable to the client.

    • Service Structure

  • Scope of Work: Comprehensive dispute preparation, submission, follow-up, and confirmation of deletions across all credit bureaus.
  • Deliverables Per Item:
    • Initial review and categorization of the negative account
    • Preparation and submission of disputes to all applicable bureaus
    • Escalated dispute actions if required (debt validation, goodwill letters, cease-and-desist notices)
    • Written confirmation of deletion from bureau(s) before billing
  • Payment Trigger: Retainer funds are drawn only when bureau-confirmed deletion is achieved.

    • 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    Wrong addresses, duplicate accounts, outdated employer info, outdated inquiries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
    $250

    Billing & Retainer Structure

  • Initial Retainer: Client deposits funds into a trust/escrow account at engagement.
  • Invoicing: Each successful deletion is invoiced against the retainer balance.
  • Replenishment: If retainer balance runs low, the client may be required to replenish to continue services.
  • Refunds: Any unused retainer balance is refunded upon termination of services.

    • Client Fit

  • Best for clients who want maximum accountability and the security of knowing they only pay when results are achieved.
  • Suitable for individuals with significant negative items who are prepared to fund a retainer upfront but want escrow protection.
  • Strong option for clients skeptical of monthly or upfront billing models.

    • Strategic Positioning

    Advantages:

    • Client funds are protected in trust/escrow until results are achieved.
    • Aligns payment strictly with successful outcomes.
    • Builds client confidence through accountability.

    Limitations (relative to Models 1–3):

    • Requires larger upfront retainer deposit.
    • Client may end up paying more overall if many items are successfully deleted.
    • Less predictable cost compared to flat-fee models.

    Is This Model Right for You?

    With this retainer/escrow approach, Model 4 becomes the highest-trust, results-only model, appealing strongly to risk-averse clients while ensuring compliance and financial protection.

    Get Free Consultation