Our Credit Repair Programs and Pricing

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This program includes basic disputes submitted to the major credit bureaus to challenge inaccurate, outdated, or unverifiable information, as well as general credit report cleanup to improve overall credit accuracy. Results vary based on individual credit profiles.

This program uses a two-layer approach to disputing inaccurate credit information to ensure thorough, consistent follow-up.

Layer 1: Credit Bureau Disputes
We dispute inaccurate, outdated, or unverifiable items directly with the major credit bureaus (Equifax®, Experian®, and TransUnion®) in accordance with the Fair Credit Reporting Act (FCRA).

Layer 2: Original Creditor Disputes
In addition to bureau disputes, we communicate directly with original creditors to request verification and, when applicable, correction of reported information. Results vary based on individual credit profiles.

This program uses a three-layer approach to disputing inaccurate credit information to ensure thorough, consistent follow-up.

Layer 1: Credit Bureau Disputes
We dispute inaccurate, outdated, or unverifiable items directly with the major credit bureaus (Equifax®, Experian®, and TransUnion®) in accordance with the Fair Credit Reporting Act (FCRA).

Layer 2: Original Creditor Disputes
In addition to bureau disputes, we communicate directly with original creditors to request verification and, when applicable, to request the correction of reported information.

• Layer 3: Collection Agency Disputes

Challenges related to eligible public records, including bankruptcies, judgments, and liens

This layered approach allows for a more comprehensive review of complex credit issues. Results vary based on individual credit profiles.

Our EZ Elite Credit Restoration program is our most aggressive credit repair option, utilizing all available aspects of the credit repair process. It is best suited for clients preparing for major financial goals such as home buying, auto loans, or business credit. Program suitability does not guarantee loan approval or specific credit outcomes. Results vary based on individual credit profiles and lender requirements.

Our Pay-Per-Deletion program means clients pay only for confirmed deletions achieved through the credit repair process. After the one  $249, audit fee, NO FEES are charged for disputed items that are not removed. Fees listed below by item type are per deletion, per bureau.

• Standard Negative Items: $79

(Late payments)

• Collection Accounts: $149 
• Charge-Offs: $179 
• Hard Inquiries: $49
• Personal Info: $10
• Public Records/Real Estate: $299 

(when legally disputable)

(Judgments, liens, bankruptcies)
 

By purchasing a tradeline, you acknowledge that you are being added as an authorized user to a third-party credit account for a temporary period of 90-120 days. This service is intended for credit profile enhancement purposes only.

We do not guarantee any specific credit score increase, credit bureau reporting outcome, or approval for financing. Some lenders and scoring models may disregard authorized user tradelines entirely.

All sales are final once the tradeline has been successfully posted to at least one credit bureau. Timing of reporting may vary depending on the issuing bank and credit reporting agencies.

This service should not be considered a substitute for long-term credit building or financial management.

Pricing per tradeline (bureau)

  $  5,000 - $9,000   limit cards $250 

  $10,000 - $15,000 limit cards $500 

 $20,000 - $24,000 limit cards $900

        $25,000 + premium/aged cards: $1500