No subscriptions. No hidden fees. No "packages" that upsell you at every phase. One flat investment covers the full 4-round protocol, all three bureaus, three reserve escalation paths, and the credit rebuild phase.
The investment below covers the full 4-round protocol, all three bureaus, three reserve escalation paths (CFPB, State AG, Final Compliance), and the post-repair credit rebuild phase. Pay in full or split over two payments — both routes give you the same protocol.
Same exact protocol, split into two equal payments. Second payment auto-charges 14 days after enrollment. Round 1 letters still file within 72 hours of first payment.
Enroll · InstallmentEvery component of the protocol is included in the $1,499. No phase upsells, no "premium" tiers we hold back, no surprise fees mid-process.
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. 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're incentivized to keep your file open as long as possible because they make more money the longer you pay. We do the opposite.
At a typical $99/month monthly service over 9–12 months, you'll spend $900–$1,200 — and most monthly services don't actually finish your file in that window.
Our one-time $1,499 covers the full protocol, including the escalations and rebuild phase that monthly services either skip or charge extra for.
One investment. Full protocol. Engineered execution — then finished.
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. After that 3-day window, the engagement remains a one-time protocol, not a subscription. There's no recurring billing and no ongoing lock-in. If you've enrolled on the installment plan and need to cancel before completion, refunds on any unearned portion are handled per our refund policy.
Every file enrolled goes through a 30-minute strategy session first. We pull your 3-bureau report, walk through what we see, and tell you directly whether your file is a fit for the protocol. If it isn't — no enrollment, no pitch, no pressure.
Strategy call · $50 file-review fee · Waived for referrals