Your credit is the foundation

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Your capital is the goal

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Your credit is the foundation · Your capital is the goal ·

Before you can access funding, build wealth, or position yourself for real financial opportunity, your credit profile has to tell the right story. We work with you to strategically correct, rebuild, and align your credit so that when capital becomes available you’re ready to receive it.

Your credit file determines the strategy.

CHOOSE THE SITUATION THAT LOOKS MOST LIKE YOURS

  • You’re ready to start, but you want more than generic dispute letters.

    Includes:

    • Credit analysis + first dispute round for the initial $249 payment

    • Factual disputes based on how each account is reporting

    • Disputes sent to Equifax, Experian & TransUnion

    • Inaccurate, incomplete, or inconsistent information challenged

    • Potential reporting violations identified and tracked

    • Results reviewed to determine the next dispute strategy

    BEST FOR: You’re starting the credit restoration process and need a personalized dispute strategy built around your individual credit file.

  • We go after the reporting from multiple directions—not just Equifax, Experian & TransUnion.

    Includes:

    • Applicable secondary/specialty consumer reporting agencies addressed

    • Collections, bankruptcy, eviction, child-support-related & other applicable reporting challenged

    • Validation demands sent to applicable collectors Day 1

    • Equifax, Experian & TransUnion disputes 7 days later

    • Cease & Desist notices when collectors fail to validate

    • Noncompliance demands when applicable deadlines are missed

    • Certified legal notices + up to 4 full cycles

    BEST FOR: You have a more complex credit file that requires more than a standard three-bureau dispute.

  • This is our most comprehensive process—built for files that require deeper investigation, documentation, and escalation.

    Includes everything in Aggressive, PLUS:

    • Deep analysis of your Annual Credit Reports

    • Previous disputes & bureau responses analyzed

    • Strategic pre-disputes used to build a documented record

    • Day 9 compliance review

    • Potential reporting & dispute violations identified and tracked

    • Evidence documented throughout the process

    • Escalated demands based on what is uncovered

    BEST FOR: You’ve disputed before, but accounts continue to come back “verified,” “updated,” or unchanged.

Express Inquiry Removal Services

30–45 Day Process | FCRA Compliant | Designed for Score Optimization

Inquiries holding your score back?

If inquiries are your only concern, our Express Inquiry Removal service is exactly what you need.

FOUNDATION

$150 (One-Time Payment)

Includes:

• Up to 20 Inquiries Removed

• Professional Dispute Letters

• 30–45 Day Process

• Progress Updates

STANDARD

$300 (One-Time Payment)

Includes:

• 20–40 Inquiries Removed

• Professional Dispute Letters

• 30–45 Day Process

• Priority Phone Support

PREMIER

$500 (One-Time Payment)

Includes:

• 40+ Inquiries Removed

• Professional Dispute Letters

• 30–45 Day Process

• VIP Phone Support

CREDIT RESTORATION FAQs

  • No. A consultation is optional.

    If you're not sure which credit repair package is right for you, you can book a Credit Report Review & Strategy Session for $97.

    During this 30-minute one-on-one session, we'll pull and review your full 3-bureau credit report, break down what's affecting your FICO scores, review your utilization and paydown targets, and create a personalized dispute and action plan based on your specific credit profile.

    You'll also receive a recommendation for which service package best fits your file if you decide you'd like professional assistance moving forward.

    You do not have to book a consultation before enrolling if you already know which service you need.

  • Most clients begin seeing noticeable improvements within 30 to 90 days.

     

    Timelines depend on factors such as:

    1. The number of negative items

    2. How recent or severe those items are

    3. Credit bureau response times

     

    We begin working on your file as soon as onboarding is complete.

  • Anything that is inaccurate, incomplete, unverifiable, or obsolete may be eligible for removal.

     

    This can include:

    • Personal information (incorrect names, old addresses, outdated employers)

    • Inquiries

    • Late payments

    • Collections

    • Charge-offs

    • Repossessions

    • Student loans

    • Bankruptcies

    And more! 

     

    We do not remove accurate, verified, and properly reported current obligations, nor do we create false information.

     

    All work is done using consumer protection laws and compliant credit repair practices.

  • We guide you on:

    • Reducing utilization

    • Adding positive credit activity (when appropriate)

    • Avoiding common mistakes that slow progress

     

    Credit repair works best when strategy + behaviour are aligned — we help with both.

  • Yes. We use My ScoreQ so both you and our team can securely access your full credit reports from Experian, Equifax, and TransUnion.

     

    My ScoreIQ charges a separate monthly fee of $39.99 for ongoing access to refreshed credit reports and scores. This service is required while you are enrolled so we can:

    1. Monitor changes to your credit file

    2. Identify updates and responses from the bureaus

    3. Send accurate dispute rounds each month

     You must remain active and up to date with your My ScoreIQ account for us to continue working on your credit file. This ensures transparency and allows you to track progress in real time.

  • Once all onboarding information has been received, please allow up to 3 business days for us to prepare and send your first dispute round to the three consumer reporting agencies (Experian, Equifax, and TransUnion). Once disputes are delivered, official processing time begins.

     

    The number of dispute rounds and program length depend on the plan you select. We offer structured multi-month programs as well as flexible month-to-month options. Each round is strategically timed to allow the bureaus to investigate and respond before the next action is taken.

     While every credit file is different, many clients begin seeing results within the first 30–90 days, with continued progress based on consistency, response timelines, and overall credit profile health

Your credit score is costing you opportunities. Let’s fix that.

Start Your Credit Assessment →