Same team. Same federal-law foundation. Same obsession with your file. The difference is firepower — how much of our arsenal deploys at once. The 700 Protocol: $999 one time, engineered for 90–120 days — if not sooner. Or the Foundation Protocol: $199 to start, then $99/month, steady round-by-round repair averaging 9–12 months. No hidden fees, no lock-in, ever.
Both programs are real, aggressive, compliant credit repair across all three bureaus. The 700 Protocol brings everything we have, all at once — built for buyers with a mortgage, auto, or funding event on the calendar. The Foundation Protocol works the same file one round at a time, on a budget that starts at $199.
Real repair on a manageable budget — month-to-month, and you only ever pay for work already performed. Upgrade anytime: your $199 start fee applies in full toward the 700 Protocol.
Start Foundation · $199Both protocols run on the same legal machinery. Here’s exactly where the flagship pulls away — starting with the only line most people care about.
| Feature | Foundation — $199 + $99/mo | The 700 Protocol — $999 Once |
|---|---|---|
| ⏱ Timeline | Average 9–12 months — sequential rounds every 30–45 days, one tier of items at a time | 90–120 days — if not sooner — the full 4-round protocol, everything challenged from day one |
| Dispute Scope | Sequential — highest-impact items first, round by round | File-wide from Round 1 — every item, every bureau, at once |
| Dispute Depth | FCRA accuracy challenges | Field-level Metro 2 + preemptive MOV & furnisher-certification demands |
| Mail Method | Standard mail | Certified mail, every round — tracked and documented |
| Escalation Track | As the file requires, standard queue | Included: §623 furnisher direct · CFPB · State AG · final compliance |
| Credit Analysis | Portal item tracking | Master Credit Analysis — full 3-bureau strategic breakdown |
| Queue Priority | Standard | Priority — 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 — mortgage, auto, business funding |
| Upgrade Path | Start fee applies in full toward the 700 Protocol | — |
Every dollar of your Foundation start fee applies in full toward the 700 Protocol if you upgrade. Watch how the flagship files move in your portal — when you’re ready for the full arsenal, the bridge is already built.
Every component below is included in the flagship — no phase upsells, no surprise fees mid-process. One payment covers the entire campaign.
Line-by-line Metro 2 review of all three bureaus. Every derogatory item mapped to specific FCRA and Metro 2 compliance violations. Delivered as a formal Master Analysis document.
Escalating-pressure dispute sequence engineered to complete most files in 90–120 days — if not sooner. Round 1 attacks the bureaus and validates collections. Round 2 hits Metro 2 fields. Round 3 demands Method-of-Verification. Round 4 is the final compliance sweep with simultaneous credit rebuild.
Every letter is date-stamped, signature-tracked, and legally presumed received. No online dispute portals, no e-OSCAR auto-verification, no rubber stamps. Certified mail only.
Real-time file status 24/7. Every letter filed, every bureau response, every deletion logged automatically. Secure document upload for bureau mail you receive.
For files that don’t fully resolve in the 4-round core, three reserve escalation paths are deployed — formal CFPB complaints, state attorney general consumer protection actions, and final compliance escalation. All included. No upcharge.
Final-phase strategy session on new tradeline placement, utilization management, and funding readiness. Clean credit is the foundation — we show you what to do with it.
Most credit repair companies charge $89–$129/month with no end date — they make more money the longer your file stays open. We’re built to finish. The 700 Protocol has no monthly at all: one payment, and our only incentive is completing your file. Foundation bills month-to-month only for work already performed, and you cancel the moment your file is where you want it.
A typical monthly service runs $89–$129/month with no end date — at 9–12 months that’s $1,000–$1,500, and many never actually finish your file.
The 700 Protocol is $999, once. Every round, every escalation, the analysis, and the rebuild phase — covered. No meter running, no incentive to drag your file out, and the whole campaign is engineered for 90–120 days — if not sooner.
Foundation is $199 to start, then $99/month for work already performed — averaging 9–12 months at a steadier pace. Cancel anytime. And if you upgrade, your start fee applies in full.
Pick the pace. Either way — full transparency, engineered execution, finished, not dragged out.
Under the Credit Repair Organizations Act (15 U.S.C. §1679e), you have the right to cancel within 3 business days of signing and receive a full refund — no questions asked, on either program. After that window: Foundation continues month-to-month and you can cancel anytime — by email, phone, or in writing — which stops all future charges. The 700 Protocol is a one-time payment with refunds handled per our refund policy, including our 30-day money-back guarantee on your first-work fee.
Not sure which protocol 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. If neither fits, we’ll tell you that too.
Strategy call available · $50 file-review fee · Waived for referrals