Join clients who've already started — first round of disputes out within 7 days of onboarding.

Got Denied? We'll Clean Up the Credit Report That Got You Turned Down.

Done-for-you credit repair for people who were denied for a mortgage, car loan, or apartment — and want a specialist to challenge the collections, charge-offs, and errors dragging their file down.

See the Plans

One-time fee for full cleanups · Monthly Starter plan available · Real updates every step

All 3 bureaus worked Real documented results Straight talk, no fake promises
You're Not Starting From Zero

A Denial Isn't the End. It's a Signal Your Report Needs Work — in the Right Order.

You did the hard part. You found the house, the car, the place you wanted. Then a collection, a charge-off, or an error you forgot about got you a "no."

Most people react by paying every collection they see, or waiting years for items to fall off. Both waste time and money. The real move is knowing which items are actually blocking approval — and challenging what's inaccurate, outdated, or unverifiable on your report.

That's what we do for you. You don't learn the system, write the letters, or fight the bureaus. We handle it across all three bureaus and keep you updated the whole way.

What We Work On

The Items That Actually Change a Lender's Decision

📉

Collections

Challenge inaccurate, outdated, or unverifiable collection accounts reporting across your bureaus.

⚡

Charge-Offs

Dispute charged-off accounts with reporting errors — wrong dates, balances, or status codes.

🕓

Late Payments

Address inaccurately reported late marks that are dragging your file and your score.

🔁

Repossessions

Challenge repossession entries that are reporting inaccurately or can't be verified.

🔍

Hard Inquiries

Dispute unauthorized hard inquiries you never approved that are costing you points.

👤

Personal Info

Clean up wrong names, old addresses, and mixed-file errors that block disputes and confuse lenders.

How It Works

Four Steps From Denied to Approval-Ready

Enroll

Pick your plan and claim your spot. Simple checkout, no long-term lock-in.

Secure Intake

Complete your intake inside our encrypted client portal — your info stays protected.

We Go to Work

We audit all 3 reports and challenge every inaccurate, unverifiable, or outdated item.

Watch It Move

You track deletions and score changes in real time, with updates every 30–45 days.

Real Documented Results

Receipts, Not Promises

+253 Points
549 → 802 on Equifax — documented over 6 months
60+ Items Deleted
In a single round — collections, charge-offs, and more gone
124 Disputes Deleted
Across all 3 bureaus — one client, documented results
Equifax score improved from 549 to 802
Starting score of 549 — now at 802 on Equifax. All 3 bureaus worked, documented over 6 months.
60 items deleted in one round across all bureaus
60 items deleted in one round. Score up across all 3 bureaus. $25,000 in revolving credit now reporting.
Score gains across Equifax, Experian, and TransUnion
Already in the 700s — still added 99–126 points across all 3 bureaus. We work all profile types.

Results vary by client and situation. These are real documented outcomes from past clients, not a guarantee of specific results. No honest company can promise specific deletions or score increases.

Choose Your Plan

Done-For-You Credit Repair

Starter is month-to-month. Basic, Unlimited, and Couples are a one-time fee. Prices rise as our results catalog grows — this is the ground floor.

Starter

For light maintenance — a couple items challenged each round.

$97/mo

Billed monthly · cancel anytime.

  • 2 disputes per round
  • Standard FCRA challenge letters
  • Client portal access
  • Updates every 30–45 days
  • All 3 bureaus
Start Starter

Basic

For lighter files — a few negatives and inquiries to clean up.

$500
$247 one-time

Single payment · no recurring plan charge.

  • 3 dispute rounds
  • Basic inquiry removal
  • Light profile cleanup
  • Updates every 30–45 days
  • All 3 bureaus
Start Basic
Most Popular

Unlimited

For heavy files — repos, collections, charge-offs stacked up.

$800
$397 one-time

Single payment · no recurring plan charge.

  • Unlimited dispute rounds
  • Repos, collections & charge-offs
  • All 3 bureaus worked together
  • Inquiry & personal-info cleanup
  • Priority updates every 30–45 days
  • Direct access to the team
Start Unlimited

Couples

For homebuyers, couples & business partners — two files optimized for one joint goal.

$1,200
$497 one-time

Single payment · no recurring plan charge.

  • Unlimited rounds for 2 people
  • All 3 bureaus, both files
  • Repos, collections, charge-offs & inquiries
  • Built for joint approvals — mortgages, autos, business financing
  • Priority updates for both
Start Couples

Not ready for done-for-you? Start with the $27 DIY Vault.

Get the exact dispute letters and the round-by-round system we use — and do it yourself. If you decide you'd rather have it handled, you can upgrade to a done-for-you plan anytime.

Get the $27 Vault
What Happens After Purchase

Know Exactly What Comes Next

01

Purchase Your Plan

Secure your spot and get started. You'll get your onboarding link immediately after checkout.

02

Activate Credit Monitoring — Required

Active SmartCredit monitoring (about $19.95/mo) is mandatory to start your service. We cannot access or work your credit without it.

  • Activate immediately after purchase
  • Must stay active for the duration of your service
03

Complete Secure Onboarding

Complete your intake inside our encrypted client portal — never by email or text. You'll need:

  • Valid government ID
  • Social Security card or SSN
  • Proof of address dated within the last 30 days (utility bill, bank statement, lease, or mortgage statement)
04

We Begin Your Disputes

Once monitoring is active and onboarding is complete:

  • Your first round goes out within 7 days of onboarding
  • Basic includes 3 rounds; Unlimited and Couples have no cap
  • A new round goes out every 30–45 days

IMPORTANT

If any step is incomplete:

  • Monitoring not active
  • Onboarding not completed
  • Documents not submitted in the portal

Your account will be on hold and your disputes cannot start.

In Their Words

Clients Notice Before We Even Tell Them

Client text message calling us the real MVP after a collection was removed
Alicia C. — after her first round of disputes
Questions

Straight Answers

How fast will I see results?

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Bureaus generally have 30 days to respond to a dispute. Many clients see their first deletions within 30–45 days. How long a full cleanup takes depends on how many items are on your file. Results vary.

Can you guarantee items will be removed?

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No honest company can guarantee specific deletions or a specific score increase. What we commit to is challenging every inaccurate, unverifiable, or outdated item aggressively and correctly, and keeping you updated the whole way.

Is there a contract or lock-in?

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Starter is month-to-month — cancel anytime. Basic, Unlimited, and Couples are a one-time fee covering your plan's scope, not a subscription. Either way, there's no long-term lock-in.

What's the credit monitoring requirement?

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You keep active SmartCredit monitoring (about $19.95/mo) so we both have live access to your reports. It's how we see updates in real time and prove every deletion with a screenshot.

Is my personal information secure?

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Yes. Your sensitive information and documents are entered directly into our encrypted client portal — never by email, text, or a general web form. You enter it once, securely.

What if I have a lot of negative items?

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That's exactly what the Unlimited plan is for — no cap on rounds or items across all three bureaus.