Not a repair service.
A protocol.
Engineered credit outcomes built on federal compliance leverage. We don't plead with creditors — we make them prove their reporting can survive FCRA, FDCPA, and Metro 2 scrutiny. Most can't.
Most credit repair companies send form letters and hope for deletions. We reverse-engineer your file against federal consumer law — every derogatory account mapped to specific FCRA citations, Metro 2 field violations, and FDCPA validation gaps. When creditors can't verify to the standard the law requires, the account is deleted. Not negotiated. Deleted.
Our clients don't buy "credit repair." They enroll in a protocol. Four rounds, escalating pressure, engineered to federal frameworks — with three reserve escalation paths held for files that need them. Every file produces a full diagnostic document. Every round is documented. Every outcome is projected before we start.
Every dispute we file applies pressure at three layers simultaneously: federal consumer law, data reporting standards, and escalation mechanics. Budget repair companies operate at one. We operate at all three.
Every challenge cites specific statutory authority — § 611 accuracy, § 605 aging, § 609 disclosure, § 623 furnisher duty. Federal law, not generic complaint letters. Creditors respond to law. They ignore everything else.
Every bureau report is governed by Metro 2 — the credit reporting industry's own data standard. When furnishers violate their own standard (mismatched dates, invalid status codes, credit limits exceeded), deletion isn't optional. It's required.
Bureaus, then furnishers, then Method-of-Verification, then targeted compliance attack. Each round applies pressure at a new layer. Most files complete by Round 4. Hardened files trigger reserve escalation: CFPB, State AG, and final escalation — all included.
Engineered to complete most files in four rounds across 90–120 days. Three reserve escalation paths — CFPB, State AG, Final Escalation — are held for files that don't resolve, all included in the protocol. No upcharge.
Full PI audit across all three bureaus. Fraud alert leverage where applicable. Opening accuracy challenges on every targeted derogatory account, paired with FDCPA § 809 validation demands on surviving collection accounts. This round alone produces 30–50% of total deletions for most files.
Field-level attack on every remaining account. Account status codes, DOFD, credit limits, payment history, last activity dates — every Metro 2 field becomes a separate challenge vector. This is where "verified" accounts start falling. Junk debt buyers without chain-of-custody documentation get cleared in this window.
Under FCRA § 611(a)(7), you are entitled to know exactly how the bureau verified a disputed item — who they contacted, what documentation they reviewed, and the procedure they used. Most cannot produce it because most "verification" is automated e-OSCAR coding with no human review. That gap is a deletion trigger.
Last-mile deletions on the hardest items, plus simultaneous rebuild — 2–3 positive tradelines strategically added, utilization optimized, file depth restored. Most files complete protocol here. Exit with a file engineered for prime credit, not just a higher number.
For the small percentage of files where the four-round protocol doesn't fully resolve, three additional escalation paths are deployed at no extra cost. Most clients never see these. The clients who do, get the same protocol with deeper firepower.
Formal complaint to the Consumer Financial Protection Bureau. Bureaus and major furnishers must respond within 15 days or face regulatory action. Faster deletions than any other single escalation path.
Formal complaint to state AG consumer protection division. Triggers state-level compliance review that often produces deletion where federal escalation stalled. Different leverage, different result.
For accounts that survive every prior round. Targeted compliance pressure on the specific furnishers, account types, or reporting failures that have proven hardest to clear. The last word in the protocol.
Projected outcomes based on compliance leverage and typical protocol timelines — projections, not guarantees. Individual results vary by file. Every milestone unlocks a specific class of financial product.
Owner-occupied home loan with 3.5% down. Government-backed mortgage products become accessible. Your first major unlock and proof the protocol is working.
PMI cost reduction. Credit card approvals shift from subprime to near-prime. Auto financing moves out of buy-here-pay-here territory. You exit credit-constrained status.
Prime auto rates. Premium credit cards. Business funding products. Real estate leverage at competitive pricing. You stop fighting for credit and start optimizing it.
The scores and timelines shown above are projections and illustrative examples, not guarantees. Your actual results depend on your specific credit file, furnisher and bureau responses, and your cooperation. We do not promise any particular score, deletion, or timeline, and individual results vary case by case.
Same team, same federal-law machinery, same obsession with your file. The difference is firepower — how much of the arsenal deploys at once. If there's a mortgage, auto, or funding decision in your future, the flagship exists for exactly that.
Not sure which fits? Text us at (619) 261-8465 with where your credit stands and what you're working toward — we'll tell you directly which program your file actually needs. Prefer a full strategy session? $50, applied entirely to your enrollment.
Real repair on a manageable budget. Sequential rounds — highest-impact items first — across all three bureaus, first round filed within 48 hours, live portal tracking. Upgrade anytime: your $199 start fee applies in full toward the 700 Protocol.
Start Foundation — $199| Feature | Foundation — $199 + $99/mo | The 700 Protocol — $999 Once |
|---|---|---|
| ⏱ Timeline | Average 9–12 months — sequential rounds every 30–45 days | 90–120 days — if not sooner — everything challenged from day one |
| Dispute Scope | Sequential — highest-impact items first | File-wide from Round 1 — every item, every bureau, at once |
| Dispute Depth | FCRA accuracy challenges | Field-level Metro 2 + MOV & furnisher-certification demands |
| Mail Method | Standard mail | Certified mail, every round |
| Escalation | As the file requires, standard queue | Included: §623 furnisher · CFPB · State AG · final compliance |
| Credit Analysis | Portal item tracking | Master Credit Analysis — full 3-bureau breakdown |
| Priority | Standard queue | Your file moves first |
| Billing | $199 start + $99/month, cancel anytime | $999 once. No monthly. Ever. (or 2 × $549) |
| Built For | Steady repair on your budget | Financing events on a calendar |
| Upgrade Path | Start fee applies in full toward the 700 Protocol | — |
Short, direct answers. Anything deeper — text us or book a strategy session.
Two words: compliance engineering. Budget services send the same template letters to everyone and bill indefinitely. We reverse-engineer every dispute to the specific FCRA, Metro 2, and FDCPA violations in your file. And our billing is built to finish, not to drag: the 700 Protocol is one payment — no monthly, ever — and Foundation bills month-to-month only for work already performed, cancel anytime. Either way, nobody's meter is running on your file.
Choose by timeline. If there's a mortgage, auto loan, or funding decision ahead of you, the 700 Protocol exists for exactly that — everything challenged everywhere, immediately, engineered for 90–120 days, if not sooner. If there's no deadline forcing the pace and budget matters more, Foundation gets you real repair at $199 to start, averaging 9–12 months. And the bridge is built in: upgrade anytime and your start fee applies in full.
Typical 700 Protocol outcomes: 80–120 point lift in the first 30 days, 700+ within 90–120 days for files like the ones we accept. Every projection is documented in your Master Analysis, based on your actual file and specific compliance angles available. We do not promise guaranteed results — consumer law prohibits that — but we document evidence-based projections and hit them consistently.
"Complicated" is what we specialize in. Bankruptcies, judgments, identity theft, mixed files, re-aging violations, collection stacking — every one of those has specific leverage most repair services don't know how to apply. The harder the file, the more valuable our framework becomes. Bring the full picture and we'll point you at the right program.
First filing within 48 hours of enrollment — on both programs. We don't wait. The moment you enroll, your file moves into active protocol status and Round 1 letters are drafted, reviewed, and sent. Bureau response windows start the clock the moment those letters are delivered.
Yes — we serve clients nationwide. FCRA, FDCPA, and Metro 2 are federal frameworks that apply identically in every state. Everything runs remotely — enrollment, portal, document handling — so geography is not a constraint. We maintain CROA compliance for all client relationships regardless of jurisdiction.
Two protocols, one standard of results. Pick your pace and your file is in the works within 48 hours.
Get Started →Same team, same federal-law machinery. The difference is how much of the arsenal deploys at once — and how fast you need to be done.
Every weapon, deployed at once. File-wide attack from Round 1, certified mail, full escalation arsenal, Master Credit Analysis, priority queue. Built for mortgage, auto, and funding deadlines.
Start The 700 ProtocolReal repair on a manageable budget. Sequential rounds, highest-impact items first, all three bureaus, live portal. Upgrade anytime — your start fee applies in full.
Start Foundation