Our programs
Real solutions for real credit challenges.
Every program is built around your specific situation — not a one-size-fits-all template. We work until you get results.
Credit Repair
Remove what's holding you back.
We identify and dispute inaccurate, outdated, and unverifiable negative items on your credit report — collections, late payments, charge-offs, and more. Every dispute is backed by your legal rights under the FCRA.
What's included
- Negative item removal (collections, late payments, charge-offs)
- Dispute management across all 3 bureaus
- Monthly progress reports
- Dedicated credit specialist
Credit Restoration
Rebuild from the ground up.
For clients who need more than dispute work — we combine negative item removal with positive credit building strategies to accelerate your score and establish a strong credit foundation.
What's included
- Everything in Credit Repair
- Positive tradeline strategy
- Credit utilization coaching
- Score-building roadmap
- Ongoing financial guidance
Homebuyer Readiness Program
Get mortgage-ready — on your timeline.
Designed specifically for aspiring homeowners, this program aligns your credit profile with mortgage lender requirements. We work backward from your target home price to build the score and profile you need.
What's included
- Mortgage-readiness credit analysis
- Lender-specific score targeting
- Debt-to-income ratio coaching
- Pre-approval preparation
- Realtor & lender referral network
Transparent pricing
No surprises. No hidden fees.
We believe in straightforward pricing. Your free consultation will confirm which tier fits your situation.
Starter
For individuals with a few negative items and a solid foundation to build on.
- Up to 5 dispute items per cycle
- Single bureau focus
- Monthly progress report
- Email support
Professional
Our most popular plan — full tri-bureau coverage with dedicated specialist support.
- Unlimited dispute items
- All 3 bureaus covered
- Bi-weekly progress updates
- Dedicated credit specialist
- Score-building strategy included
Homebuyer
Everything in Professional plus mortgage-readiness coaching and lender prep.
- Everything in Professional
- Mortgage-readiness analysis
- Lender score targeting
- DTI coaching
- Realtor & lender referrals
All plans require a one-time $49 enrollment fee. No long-term contracts — cancel anytime. Results vary based on individual credit profiles.
Questions about our services
Not sure which program is right for you?
Book a free consultation and we'll walk you through exactly what your credit profile needs — no pressure, no obligation.