One session. A real plan. Nothing owed until it's in your hands.
No monthly subscription. $0 upfront — nothing due until your consultation is complete and your binder is delivered. Just a real look at your file, from someone who'll explain exactly what they see. We're an education and advocacy firm, not a "credit repair" service — we don't and can't guarantee results.
- Two live sessions with a real person — not a call center script
- Line-by-line review of all three of your credit reports
- A written plan of action, specific to what's actually in your file
- Your own binder: formal dispute letters, ready to send, plus instructions
No subscription, ever
This is one engagement with a clear end point — not a recurring charge you have to remember to cancel.
Built for doing it yourself
Everything in the binder is yours to use — you don't need us to submit a single letter if you'd rather not.
No guesswork on price
$299. That's it. You'll never wonder what a monthly bill is actually paying for.
Two calls. One binder. Here's exactly what happens.
Your Consultation Path
Typically 1–2 weeks start to finishIntro Call — 15 minutes
A get-to-know-you conversation. We'll ask what's going on, answer your questions, and walk you through the next step: pulling your own free reports from all three bureaus on a computer (not your phone — makes saving them much easier) and sending them our way — or enrolling in MyScoreIQ, our true-FICO credit-monitoring partner, so we're working from your real, current numbers instead of guessing. Either way works; we just need one of them to build a plan that's actually tailored to your file, not a generic checklist.
Triage
We upload your reports to our system and go through them closely — flagging what looks inaccurate, outdated, or worth challenging — before we get back on a call with you.
Plan-of-Action Call — Up to 45 minutes
We walk through what we found, item by item, and lay out a clear plan for what you can do next. This is where most of the real value happens.
Your Binder
Formal, ready-to-send dispute letters for the items we discussed, a progress tracker for logging what's sent and what's due back, and access to our WhatsApp Community for updates and additional resources. The $299 fee is due once this is in your hands — not before.
$0 upfront. Nothing is collected until your binder is in your hands.
We don't ask for a card or any payment method up front, and nothing is charged automatically. Once your plan-of-action call is complete and your binder is delivered, we'll collect the $299 fee directly — by card, cash, check, or money order, whichever is easiest for you. You'll see and initial this exact process in your agreement before you ever owe anything.
Already completed your $299 consultation?
Once your strategy session is complete and your binder's been delivered, you can request an express call whenever you need it — a quick question, a new item on your report, help thinking through a next step. Express calls happen within a 2-hour window of your request and are billed at $35 for 5 minutes or $53 for 10 minutes, based on time actually used — billed after the call, never before. This isn't something you can book before completing your initial consultation — it's a benefit for clients we've already worked with.
Request first, nothing charged yet
Existing clients can submit a request and we'll confirm a time within 2 hours — nothing is charged when you request or book. Once the call happens, we invoice for the actual time used: $35 for up to 5 minutes, $53 for up to 10, with any additional time billed at $53 per additional 10-minute increment. This fee schedule is listed and initialed in your agreement.
Want us to submit the disputes for you?
That's a separate, optional service — never bundled with your consultation, and never pitched to you on a call. If you're interested, check the box on our contact form and we'll follow up in writing with the details, including pricing, so you can decide with zero pressure.
The consultation is where that gets figured out.
You don't have to already know which items to dispute or whether the self-service binder or done-for-you option fits better — that's exactly what the plan-of-action call is for. Send us your reports (or enroll in MyScoreIQ) and we'll walk through a strategy built around what's actually in your file, so you're deciding with a clear picture instead of a guess. No pressure either direction — plenty of clients do some of it themselves and hand off the rest.
Ready to see what's actually on your file?
Book your intro call. Nothing is owed until your binder is in your hands.