🥂 Foundation Plan
$175 a month (cancel Anytime)
Pay-As-You-Go Credit Dispute Plan
Low-Commitment Credit Repair for Simple Credit Files
Pricing & Billing
Only $175 per month for active dispute processing
$29 per month for required credit monitoring (billed separately)
Cancel anytime by contacting us via text or email
Dispute rounds are processed only after the current month’s payment is confirmed
What This Plan Covers
Under this plan, The Ted Method disputes only the following items:
✅ Derogatory accounts, including: Collections Charge-off accounts
✅ Credit inquiries
This plan does NOT include disputes for:
❌ Personal information or identity data
❌ Current or active (delinquent) accounts
❌ Child support, bankruptcies, or public records
How the Process Works
- Client completes onboarding and activates credit monitoring
- Initial setup deposit is collected
- Monthly disputes are prepared and submitted
- Each additional dispute round is completed only after the Monthly Payment Clears
Client may cancel at any time by written notice (text or email)
Who This Plan Is For
This plan is designed for clients who:
- Want a lower barrier of entry
- Have fewer than five (5) derogatory accounts
- Need flexibility due to inconsistent income
- Prefer a month-to-month structure instead of a longer, customized program
- Are focused specifically on removing collections, charge-offs, and inquiries only
FREQUENTLY ASKED QUESTIONS
1. How long does the Foundation Method last?
The Foundation Method is a month-to-month service. There is no long-term contract. Service continues as long as billing and required credit monitoring remain active.
2. When will I start seeing changes on my credit report?
Credit bureau response times vary. Some clients may see changes after the first dispute cycle, while others may require multiple billing cycles. No specific results or timelines are guaranteed.
3. What types of accounts are disputed under this method?
This method allows us to dispute all reportable items on a consumer credit file, not just collections. That includes personal information errors, unauthorized inquiries, late payments, charge-offs, collections, repossessions, evictions, and other inaccurately or unlawfully reported accounts. The focus is on accuracy, verification, and legal compliance under federal reporting standards—not simply whether a balance is owed.
4. Do I need credit monitoring to use this service?
Yes. Active credit monitoring is required so your reports can be reviewed, disputes can be prepared accurately, and responses can be tracked. Monitoring is billed separately by the provider.
5. What happens if an account is verified?
If a credit bureau verifies an account, federal law requires that an investigation was conducted, and the review shifts to whether that investigation met required procedural standards. It is common for some accounts to be verified early, with additional changes or removals occurring in later dispute cycles after responses are reviewed more closely.
6. Can I upgrade to a different package later?
Yes. Clients may request to upgrade to another program if their credit file or goals change. Eligibility and pricing for upgraded services may vary.
7. Can I cancel at any time?
Yes. You may cancel at any time by submitting a request via email, text, or the client portal. Cancellation stops future billing after confirmation. Previously completed services are non-refundable.
Whats the difference between 'Foundation' & 'Silver Method ?'
This plan covers all reportable account types, including personal information errors, identity theft–related disputes, unauthorized inquiries, delinquent accounts, derogatories, collections, charge-offs, repossessions, evictions, public records, bankruptcies, and child support when applicable. The dispute strategy and scope are identical to the Silver plan. The only differences are that Silver includes a four-round commitment, credit monitoring at no additional cost, and preparation for future funding rounds with authorized users and tradelines added.
