What it costs and how billing works
We do not publish a price list, and there is a reason: the work changes with what is actually on your report. What we do publish is the billing rule — and it exists to protect you.
The diagnosis of all three reports is free. The price is set only after it, because it depends on what is actually on your report, and it comes in writing before we start — never off a shelf. Billing happens only after each cycle is fully performed, per the Credit Repair Organizations Act (15 U.S.C. §1679b), and you can cancel within 3 business days at no cost.
Diagnosis
For anyone who does not yet know what is on their report
Free
No card, no commitment
- Review of all three reports
- Account-by-account inventory
- Separation of errors from real debt
- Written report with the order of what to fix
- Realistic timeline estimate
Essential Cycle
A few inaccurate items and a defined goal
Set after the diagnosis
Price agreed in writing before we start
- Everything in the diagnosis
- Well-founded disputes of inaccurate items
- Filed with the bureau and the furnisher
- Deadline tracking and response review
- New report compared to the original
- Utilization guidance
Full Cycle
Multiple items, collections and mortgage preparation
Set after the diagnosis
Price agreed in writing before we start
- Everything in the essential cycle
- More items worked per cycle
- History rebuilding plan
- Income documentation organized
- Preparation for the lender conversation
- Monthly follow-up to the goal
Why nobody should charge upfront
The CROA prohibits a credit repair organization from charging or receiving any money for services before they are fully performed. When the sale happens by phone, additional telemarketing rules apply. In 2024, a well-known CFPB case involving software widely used in this industry ended in multimillion-dollar penalties, precisely over involvement with illegal advance fees.
Ask: "when exactly do you charge?", "can I see the written contract?" and "what is my cancellation right?". A company that will not answer those three in writing does not deserve your money.
What is included and what is not
| Item | Included? |
|---|---|
| Review of all three reports and inventory | Yes, from the free diagnosis |
| Well-founded disputes with bureaus and furnishers | Yes, in contracted cycles |
| Deadline tracking and response review | Yes |
| Guidance on utilization and history building | Yes |
| Credit monitoring subscription | No — if needed, the provider charges it and we disclose it first |
| Paying your debts | No. We guide the negotiation; payment is yours and documented |
| Guaranteed points or approval | Does not exist, here or anywhere |
| Legal advice | No. When a case requires it, we refer a licensed professional |
Questions about price and contract
Why is there no price list on the site?
Because an off-the-shelf price list leads to two mistakes: overcharging someone with a small problem and undercharging someone with fifteen collections and a repossession. We run the free diagnosis first, and only then agree the price in writing — billed after delivery.
Can I cancel after signing?
Yes. Federal law guarantees the right to cancel within 3 business days, at no cost. That right must be written into the contract — if it is not, the contract is non-compliant.
Do you offer payment plans?
We work in cycles precisely so payment follows delivery. Any payment arrangement must respect the rule against charging before performance.
What if nothing gets resolved?
If an item is investigated and verified because the information is accurate, that is a legitimate outcome — and you will be told clearly, in writing. What we do not do is keep filing groundless disputes to look busy.
Start with a read of all three credit reports
Within one business day you get an honest read of your credit: what is an error, what is real debt, and what can change before you talk to a lender.
No charge to analyze. We work in English, Spanish and Portuguese.