Trusted by 500+ Clients
The Law Is
On Your Side
We use FCRA, FDCPA, and active regulatory actions to systematically remove inaccurate negative items from your credit report.
Certified Mail Only • No Online Portals • 30-Day Guarantee
Get Your Free Credit Assessment
Find out what we can do for your credit in under 60 seconds
Starting at $149/month
Or $897 one-time — no monthly fees
No Hidden Fees
Transparent pricing. No surprises.
30-Day Guarantee
Not satisfied? Full refund within 30 days.
How It Works
Your Path to Better Credit
Sign Up & Pay
Complete our simple form and make your one-time $897 payment. No subscriptions, no recurring fees.
47-Point Analysis
We run a comprehensive Metro2 audit across all three bureaus to identify every disputable inaccuracy.
Certified Mail Disputes
Legally precise dispute letters sent via USPS Certified Mail citing specific FCRA and FDCPA violations.
Results & Escalation
Items removed within 30 days. If bureaus fail to respond, we escalate to CFPB complaints and Intent to Sue letters.
What We Fix
Every Inaccuracy. Every Bureau.
Collections
Collections are the #1 item we remove. FCRA Section 611 requires bureaus to verify every item within 30 days — most can't. We challenge the documentation chain and force removal of unverifiable debts.
Late Payments
A single 30-day late payment can drop your score by 100+ points. We dispute the reporting accuracy and timing to get them removed.
Charge-Offs
Charge-offs signal serious delinquency to lenders. We challenge the reporting accuracy and balance verification to force their removal.
Hard Inquiries
Unauthorized hard inquiries lower your score and signal risk. We identify inquiries made without permissible purpose and dispute them directly with the bureaus.
Bankruptcies
Even after discharge, bankruptcies can contain reporting errors. We verify dates, balances, and account statuses for inaccuracies.
Medical Debt
New CFPB rules prohibit medical debt on credit reports. We ensure compliance and challenge any remaining medical collections.
Identity Errors
Mixed files and identity errors affect 1 in 5 consumers. We identify accounts that don't belong to you and demand their removal.
Federal law requires credit bureaus to investigate disputes within 30 days and remove unverifiable items. Too often, they don't. We make sure they do.
Fair Credit Reporting Act
Governs how bureaus collect, maintain, and report your data. Section 611 gives you the right to dispute any inaccuracy.
Fair Debt Collection Practices Act
Prohibits abusive debt collection tactics. We use this to challenge collectors who report unverified debts.
Consumer Financial Protection Bureau
The federal agency that enforces consumer financial law. We file formal complaints when bureaus fail to comply.
Transparent Pricing
Choose Your Plan
Whether you need simple disputes or full-service credit and business building, we have a plan for you.
Essentials
Credit Essentials
Less than $5/day. Cancel anytime.
Best for simple cases
- Credit report analysis
- Certified mail disputes (1 round/mo)
- 30-day deadline tracking
- Monthly progress reports
- Debt collector disputes
- CFPB escalation
Complete
Credit Complete
Less than $2.50/day. No monthly fees.
Best value
- Everything in Essentials
- 3 full rounds of bureau disputes
- Debt validation letters to collectors
- CFPB complaint escalation
- Direct furnisher disputes
- Address removal disputes
Premium
Credit & Beyond
Less than $5/day. Full transformation.
Best for homebuyers
- Everything in Complete
- Free credit strategy session ($197 value)
- Goodwill letter campaign to creditors
- Credit-building roadmap
- 2 follow-up coaching sessions
- Priority processing (48-hour turnaround)
A La Carte
Credit Strategy Session
60-minute deep-dive consultation + written credit action plan delivered within 24 hours.
FREE with Credit & Beyond package
We don't just dispute with bureaus — we go directly to debt collectors with FDCPA validation demands.
Most credit repair companies only send bureau disputes. We attack on multiple fronts: bureaus, furnishers, and collectors simultaneously.
TypicalCredit Repair Co. | RecommendedFlow Credit Solutions | |
|---|---|---|
| Setup Fee | $79 - $195 | $897 (total) |
| Monthly Fee | $59 - $150/mo | $0 |
| 6-Month Total | $433 - $1,095 | $897 |
| 12-Month Total | $787 - $1,995 | $897 |
| Certified Mail Disputes | ||
| Legal Statute Citations | ||
| CFPB Escalation Support | ||
| Debt Validation Letters to Collectors | ||
| No Monthly Billing Surprises |
Save $886+ over 12 months compared to typical credit repair companies
Add-On Services
Available with any plan
Credit Monitoring
$1 trial
24/7 monitoring across all 3 bureaus powered by IdentityIQ. Start with a $1 trial.
Annual Maintenance
$299/year
Annual credit checkup with new disputes for any reappearing items
Credit Education
$297 one-time
Complete course on building and maintaining 750+ credit scores
Results
Real People. Real Results.
*Results may vary. Credit repair outcomes depend on individual credit situations. We cannot guarantee specific score increases. All testimonials represent real client experiences.
Ready to Take
Control?
Stop paying inflated interest rates because of inaccurate items on your credit report. Federal law gives you the right to dispute — we enforce it.