Your credit report should reflect the truth. We make sure it does.
Resilient Credit Solutions is a credit education and advocacy firm — we're not a "credit repair" shop promising results no one can legally guarantee. We focus on three things: the accuracy of what's on your report, making sure you understand it, and guiding you through the dispute process. Start with a $299 strategy session — a real review of your file, a plan of action, and your own dispute binder — paid only after it's in your hands, with $0 due upfront. Send us your 3 free reports, or enroll in MyScoreIQ (our true-FICO monitoring partner) so we're working from your real, current numbers from day one.
A Typical Client Journey
Usually 1–2 weeks start to finishStart with a plan. Hand off the work only if you want to.
Every engagement starts with a $299 strategy session, $0 due upfront — from there, it's entirely your call what happens next. We don't guarantee results; we guarantee a thorough, honest look at what's actually on your report.
Strategy Consultation
$299. Two calls, a full review of your three reports, a written plan of action, and a binder with dispute letters ready for you to send yourself.
Done-For-You Disputes
Optional and separate from your consultation. If you'd rather we submit the disputes for you, that's available per item — offered in writing only, never pitched on a call.
Free Resources
Sample dispute and debt-validation letters, bureau contact information, and a guide to pulling your own reports — all free, no account required.
How it works, start to finish.
Intro call — 15 minutes
A get-to-know-you conversation, and instructions for pulling your own free reports from all three bureaus — or enrolling in MyScoreIQ, our true-FICO monitoring partner, so we're working from your real numbers right away.
We triage your file
We upload and review your reports closely, flagging what looks inaccurate, outdated, or worth challenging.
Plan-of-action call — up to 45 minutes
We walk through what we found, item by item, and lay out exactly what you can do next.
Your binder, and the $299 fee
Formal dispute letters, instructions, and a progress tracker — yours to use immediately. The fee is due once this is in your hands, not before.
Hand it off, if you want to
Prefer not to send the letters yourself? Our done-for-you dispute service is available separately, per item — details sent in writing, only if you ask.
What actually sets us apart.
$0 upfront fees
Federal law prohibits upfront fees for this kind of work, and we go further — every invoice itemizes the exact work already completed.
Results are never guaranteed
We'll never promise a specific score or tell you we can remove accurate, current information — because no legitimate advocate can.
A real plan, not a form letter
Your strategy session and binder are built around your specific file — not a generic checklist cycled through every client we see.
You can always do this yourself
Disputing your own report is a free right under the FCRA. We're here because we do it well and save you the time — not because you're required to pay someone.
Ready to see what's actually on your report?
Start with a free consultation. No pressure, $0 upfront cost, no obligation — and no promise of results we can't guarantee.