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.
All three programs are real, aggressive, compliant credit repair across all three bureaus. The 28-Day Blitz fires every legal channel at once inside 28 days — built for a closing date that will not move. 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.
Every channel filed within 28 days, or your money back.
We guarantee our work, not the bureaus’ outcome. The bureaus have 30 days under FCRA §1681i to investigate, so deletions land on their timeline — typically day 30–45. Accurate, verifiable information cannot be removed by anyone. What we promise is that in 28 days there is nothing left to file.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 · $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 | The 28-Day Blitz — $2,999 |
|---|---|---|---|
| ⏱ 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 | All channels filed within 28 days — deletions land on the bureaus’ own timeline, typically day 30–45 |
| Dispute Scope | Sequential — highest-impact items first, round by round | File-wide from Round 1 — every item, every bureau, at once | Included |
| Dispute Depth | FCRA accuracy challenges | Field-level Metro 2 + preemptive MOV & furnisher-certification demands | Included |
| Mail Method | Standard mail | Certified mail, every round — tracked and documented | Included |
| Escalation Track | As the file requires, standard queue | Included: §623 furnisher direct · CFPB · State AG · final compliance | Included |
| Credit Analysis | Portal item tracking | Master Credit Analysis — full 3-bureau strategic breakdown | Included |
| Queue Priority | Standard | Priority — your file moves first | Included |
| Billing | $199 start + $99/month, cancel anytime | $999 once. No monthly. Ever. (or 2 × $549) | $2,999 once. No monthly (or 2 × $1,499.50, 14 days apart) |
| Built For | Steady repair on your budget | Financing events on a calendar — mortgage, auto, business funding | Included |
| 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