Services & pricing

Help that fits where you are, priced so you can read it.

Three ways to work with me, from a full program to a one-time roadmap you run yourself, plus plain-English pages on the specific problems that bring most people here. Month-to-month, no long-term contract, and you're never charged before the work is done.
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Most clients choose this

Credit Repair Program

The full engagement. We work your file every round until the plan is done.
[$XX]/mo
plus a one-time [$XX] setup fee, billed after the first round of work is performed
  • Three-bureau report analysis and written strategy
  • Disputes to bureaus and furnishers every round
  • Escalations: method-of-verification, direct disputes, regulator complaints
  • Client portal with every letter and response
  • Monthly review call and plan adjustment
  • Credit-building coaching alongside disputes
  • Cancel anytime, no long-term contract
Start with a free consultation
Full details
For do-it-yourselfers

Credit Review & Roadmap

One deep read, one written plan. You execute it with our guide.
[$XXX]
one-time, billed after the roadmap is delivered
  • Three-bureau report analysis
  • Item-by-item plan: dispute, negotiate, or leave alone
  • Recommended order and timing
  • Letter templates for your situation
  • 30 minutes of follow-up questions by email
Ask about this option
Full details
For thin or clean files

Credit Building Coaching

Nothing to dispute? The work is on the positive side of the ledger.
[$XX]/mo
month-to-month
  • Utilization and payment-timing strategy
  • Which accounts to open (and not open)
  • Timeline built around your next application
  • Monthly check-in and report review
  • Cancel anytime
Ask about this option
Full details
Pricing shown is a placeholder pending confirmation. All fees are disclosed in writing before you sign, as required by the Credit Repair Organizations Act. You may cancel within three business days of signing without penalty.
Problems we solve

Start with the item that's holding you back.

Each page explains what's disputable, what isn't, and exactly how we work it, including how to do it yourself.

Collections

Collection accounts are the most commonly removable item on a credit report, because collectors buy debts in bulk and frequently can't verify what they're reporting. We…

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Late Payments

Late payments are the heaviest item in a credit score and the hardest to remove legitimately. Inaccurate lates (you paid on time, the creditor misapplied a…

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Charge-Offs

A charge-off means the creditor wrote your account off as a loss, usually after 180 days of non-payment. You still owe the money, and the account…

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Hard Inquiries

We dispute hard inquiries you didn't authorize: pulls from companies you never applied with, duplicates for a single application, and inquiries tied to identity theft. We…

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Identity Theft

If accounts or inquiries on your credit report resulted from identity theft, federal law gives you a stronger remedy than an ordinary dispute: with an FTC…

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Medical Debt

Medical collections are the most over-reported item we see. Since 2023 the three bureaus don't report paid medical collections, medical collections under $500, or any medical…

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Honest guidance

Which option is right for you?

If your reports have collections, charge-offs, or accounts you don't recognize, and you have a real deadline (a home, a car, a business loan), the Program is usually worth it. If your negatives are accurate and recent, coaching or the DIY guide will serve you better, and we will say so. If you have the time and patience to run disputes yourself but want a professional to build the plan, the Roadmap was made for you.
No obligation

Not sure? Start with the free consultation.

We'll review your situation and recommend one path, including "do it yourself" when that's the truth. There is no obligation and no pressure.
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Free consultation

Tell me what you're trying to do. I'll tell you what's realistic.

The consultation is free and it's a conversation, not a pitch. A house, a car, a fresh start, or just being done feeling embarrassed when someone pulls your credit: whatever it is, you'll leave knowing what your file needs, even if the answer is "do it yourself."
Request a Free Consultation
Call (901) 239-1111
Month-to-month. No long-term contract. Cancel anytime.