Simple Credit Plans That Don’t Trap You in Endless Monthly Fees
Unlimited disputes. All 3 bureaus. Assigned credit expert. Cancel anytime.
You choose your monthly payment pace (minimum $60). Your payment applies toward a defined service balance.
Once your balance is paid — billing stops.
Choose Your Payment Plan
All plans include the full service. The only difference is how quickly you choose to reduce your service balance
and how structured you want your engagement to feel.
Bureau investigation timelines are determined by bureau and creditor processing cycles.
Flex Plan
Minimum monthly payment. Great if you want flexibility while staying consistent.
Balance Plan
The smart middle ground. Steady paydown and structured momentum without overextending.
Priority Plan
For clients who prefer stronger accountability and faster balance reduction with a high-engagement approach.
Finish Fast
For clients who want to eliminate their service balance quickly while maintaining maximum momentum and structure.
Trusted Process. Clear Standards. Real Support.
We run a structured credit strategy built around accuracy, documentation, and consumer protections. You get clear expectations, an assigned expert, and a plan you can follow.
Transparent Pricing. Structured Process. Clear Expectations.
Credit repair should not feel confusing or open-ended. Our model is built around structure, documentation, and defined completion.
Your service balance is defined based on negative accounts/items (not inquiries) and shown per bureau. You choose your monthly payment pace (minimum $60). Once your balance is paid — billing stops.
How the Timeline Works
Credit bureau investigations follow federal processing cycles. Many investigations operate within standard 30-day periods. In some cases, responses may extend up to 30 business days depending on bureau volume and creditor response times.
Your selected payment plan does not change bureau investigation timelines. It determines how quickly your service balance is paid and how structured your engagement feels.
What Can Affect Overall Duration?
- New negative accounts reporting during the process
- Late or skipped payments on active accounts
- Creditors verifying accounts during the first investigation cycle
- Reinvestigation cycles requiring additional documentation and resubmission
- Changes in credit usage that impact scoring factors
Some accounts resolve in early cycles. Others require structured reinvestigation strategies. Every credit file is unique.
Why Many Clients Switch To Us
Many people come to us after spending 12–18 months with subscription-based credit repair companies without clear structure or defined completion.
We define the work. We define the balance. You choose your pace. When the balance is paid — billing stops.
The Financial Logic
Many subscription companies charge $119–$149 per month. Over 24 months, that can total $2,800–$3,500+.
Our structure defines your balance upfront. You are not paying for time. You are investing in a defined credit strategy.
Limited Monthly Enrollment
To maintain assigned expert service levels, we limit the number of new enrollments accepted each month. This helps ensure each file receives structured attention instead of volume-based processing.
Clear plan. Clear expectations. Defined completion.
Service Pricing (Per Bureau)
Pricing is based on negative accounts/items (collections, charge-offs, late payments, repossessions, etc.) and shown per bureau. Inquiries are not counted in the totals below. If inquiries are your only negative entries, call for inquiry-only options: 888-715-2400.
| Negative Accounts / Items | Price (Per Bureau) | Payment Style |
|---|---|---|
| 1–2 negative accounts/items | $500 per bureau | Pay-as-you-go (min $60/mo) |
| 3–10 negative accounts/items | $650 per bureau | Pay-as-you-go (min $60/mo) |
| 11–20 negative accounts/items | $750 per bureau | Pay-as-you-go (min $60/mo) |
| 21–30 negative accounts/items | $850 per bureau | Pay-as-you-go (min $60/mo) |
| 30+ negative accounts/items | Reviewed during consultation | Pay-as-you-go (min $60/mo) |
Optional Add-Ons
In some cases, an optional pay-per-deletion structure may be available. Tradelines may be available for qualified clients. Terms are confirmed during consultation. Deletions and outcomes are not guaranteed.
You may cancel within three business days as provided by law. Fees are earned and billed only after services are performed.
Ready to Start?
Get a free consultation, a clear plan, and transparent pricing—without subscription traps.
Call 888-715-2400Disclaimer: No company can legally remove accurate, current, or verifiable information. Results vary by consumer file and bureau/creditor responses. No guarantees of deletions, score increases, approvals, or timelines are made.