Pricing
One price you can see. No drip.
Most of the industry charges a monthly fee for as long as you will pay it. The engine does not need a year to run, so our most chosen plan is a single payment.
Credit Complete
$897one time
About $2.50 a day over a year. Three-payment plan available.
The full engine: three bureau rounds, collectors, furnishers, and CFPB escalation. One payment, no monthly fees.
- 47-point Metro 2 scan of all three reports
- Three full rounds of certified-mail bureau disputes
- Debt validation letters to collectors (FDCPA § 809)
- Direct furnisher disputes (FCRA § 623)
- CFPB and state Attorney General escalation
- Personal information and address cleanup
- Progress reports after every round
Credit Essentials
$147per month
Cancel any time
One certified dispute round a month, tracked to the day. Right for a report with a handful of clear errors.
- 47-point Metro 2 scan of all three reports
- One certified-mail dispute round per month
- 30-day deadline tracking
- Monthly progress report
- Debt collector disputes
- CFPB escalation
Credit and Beyond
$1,797one time
Built for homebuyers
Everything in Complete plus the strategy work that gets you from clean to approved.
- Everything in Credit Complete
- 60-minute strategy session with a written plan
- Goodwill letter campaign to creditors
- Credit-building roadmap
- Two follow-up coaching sessions
- Priority processing, 48-hour turnaround
Every service, by plan
Add-ons
Credit strategy session
60 minutes plus a written action plan within 24 hours. Included with Credit and Beyond.
$197
Annual maintenance
A yearly re-scan with new disputes for anything that reappears.
$299 a year
Credit education course
How to build and hold a 750-plus score once the report is clean.
$297
Credit monitoring
Three-bureau monitoring through IdentityIQ, which also gives us the reports we work from.
$1 trial
Pricing questions
If your report has more than two or three problem items, Credit Complete. It runs all three bureau rounds plus collectors, furnishers, and regulator escalation for one payment. Credit Essentials fits a report with one or two clear errors. Credit and Beyond adds strategy and coaching for buyers with a specific approval ahead.
No. The price shown is the price. Certified mail, printing, tracking, and every letter in your plan are included.
Yes. Federal law gives you three business days to cancel any credit repair contract for a full refund, and Washington law gives you five. Credit Essentials can be stopped at any month with no further charge.
Your payment authorizes a defined scope of work that begins immediately with the report analysis. You receive the written contract and the consumer disclosures before you pay, and the cancellation right after.
We tell you before you pay if your report is accurate and not worth disputing. If we take the case and no item moves after the full progression, we will tell you why and what your remaining options are, including whether the file has a damages claim worth an attorney referral.
Credit Complete can be split into three monthly payments. Ask when you call.
Every plan comes with the written contract, the three-business-day federal cancellation right (five in Washington), and the Consumer Credit File Rights statement. Read the disclosures.
Not sure which plan fits?
The free assessment tells you what we would dispute and which plan covers it. No pressure either way.