Pricing
Priced before the work starts.
No hourly meters, no fees discovered halfway through. We read all three reports, quote a fixed plan in writing, and you decide from there.
One-time program
Credit Repair
Quoted per file
Priced after we read all three reports — it depends on how much is actually wrong.
- All three bureaus audited line by line
- Every inaccurate item challenged
- Letters filed and followed up each round
- Written plan before any work begins
Ongoing program
Credit Building
Monthly
For the file that needs new history as much as clean history.
- Utilization plan you can keep
- Tradelines added strategically
- Inquiry and aging management
- Monthly review with your analyst
Month to month
Credit Coaching
Monthly
For a mortgage, car loan or business credit decision coming up.
- A named analyst who knows your file
- Lender and mortgage preparation
- Document and report reviews
- Answers before you apply, not after
What sets the price
Four things, and no guessing.
Two files with the same credit score rarely cost the same. These are the things we actually look at before naming a number.
How many items are wrong
One duplicate collection and a file with eleven errors are not the same job. The item count is the biggest factor.
How many bureaus are reporting it
The same collection often appears on two or three reports, and each one has to be disputed separately.
Repair, rebuild, or both
A one-time cleanup is priced differently from a file that also needs new tradelines and months of aging.
How much follow-up it needs
Bureaus verify, stall and re-report. Some files resolve in two rounds; others take five. We quote for the work, not the calendar.
Plain terms
What is in writing before anyone starts.
A written agreement first
Price, scope and cancellation terms are in writing and signed before a single letter goes out. No verbal quotes that change later.
A fixed price, not a meter
You are quoted for the work. Additional rounds on the items we already agreed to are not billed as surprise line items.
Three business days to change your mind
Federal law gives you the right to cancel a credit repair agreement within three business days of signing, for any reason.
Stop a monthly plan when you want
Building and coaching run month to month. There is no annual contract hiding in the fine print.
Your full set of rights as a Texas client is on the client rights page.
Pricing questions
The money questions.
Prices are quoted per file and confirmed in a written agreement. Nothing on this page is an offer of a specific fee, and no outcome or score change is guaranteed.
Free, and no pressure
Find out what your file would cost.
Send us the basics and we’ll tell you what the work looks like — including if the answer is that you can do it yourself for free.