Nothing is charged before it is earned.
You pay $0 to enroll. The first fee is for your Credit Readiness Consultation, and it is billed the day that report is delivered — never before. Every monthly fee after it bills only once that month's round of work has been performed. That is not a courtesy; it is what federal law requires of anyone doing this work, and most of the industry ignores it.
The Credit Readiness Consultation
A line-by-line review of all three reports and a written Credit Readiness Report: what is on your file, what we believe is challengeable and on what grounds, what your file is missing, and what we think it would take to get you where you're trying to go. It is a real deliverable, not a sales call.
You can take that report and do the work yourself. Plenty of people should. You have the legal right to dispute anything on your own reports for free, and the readiness report tells you how.
Credit Readiness Consultation
Billed after the report is delivered to you
- All three reports pulled and line-itemed
- Written Credit Readiness Report
- Every challengeable item, with the grounds
- Utilization and payoff plan
- What your file is missing, and the order to fix it
- Yours to keep, whether or not you continue
Monthly, billed in arrears.
No enrollment fee, no contract term. Each month bills after that month's round of work is performed. Stop whenever you want.
Foundation
Billed after each completed round
- One challenge round per month
- Bureau responses tracked and reported
- Monthly progress report
- Furnisher-direct escalation
- Building lines set up for you
- Business credit track
Restoration
Billed after each completed round
- Everything in Foundation
- Furnisher-direct disputes & escalation
- Building lines set up for you
- Rent & utility reporting setup
- Per-card utilization targets
- Business credit track
Builder
Billed after each completed round
- Everything in Restoration
- Business entity & EIN credit profile
- Vendor and net-30 tier building
- Personal / business separation plan
- Lender-readiness review
- Direct line to your analyst
Prices are for a single file. Couples enrolling together are quoted separately. Third-party costs — credit monitoring, secured card deposits, certified mail you elect to send — are paid by you directly and are not part of our fee.
What it comes to, total.
Pick a plan and a length. This is your all-in program cost — nothing hidden behind it.
Most files run four to eight months. Bureaus generally have 30 days to investigate each round, so meaningful movement takes more than one cycle.
Why there is no such thing as an upfront fee here.
Federal law is blunt about this. A credit repair organization may not charge or receive any money for a service before that service is fully performed — 15 U.S.C. § 1679b(b). And the definition of the regulated service is wide enough to cover the conversation itself: it includes "providing advice or assistance to any consumer" about improving a credit record — § 1679a(3)(A)(ii).
So a consultation fee is not a way around the rule. It is inside the rule. What the law does allow is charging for the consultation once the consultation has been delivered. That is exactly how this program is structured, and it costs us about a week of cash flow to do it correctly.
| When | What happens | What you're charged |
|---|---|---|
| Day 0 | You enroll online. You receive the written disclosure statement, the contract, and two copies of the Notice of Cancellation. | $0 |
| Days 1–3 | Your federal cancellation window. You may cancel for any reason, in writing, with no penalty and no obligation. | $0 |
| Days 4–10 | Reports pulled, file reviewed, Credit Readiness Report delivered to you. | Consultation fee, after delivery |
| End of month 1 | Round one performed and documented. | First monthly fee |
| Each month after | That month's round performed. | That month's fee |
| Any time | You stop. | Nothing further |
Your right to cancel. You may cancel your contract with us, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed it. Two copies of the Notice of Cancellation form come with your contract. See the notice → · Full disclosure statement → · How we're regulated →
Not sure which plan?
Start the file. The audit tells us — and you — which track your report actually needs. Plans can move up or down after that.