Read these three before you pay
Nothing here is guaranteed.
We do not promise any specific credit score, any specific increase, approval by any lender, or removal of any specific item. No credit repair outcome is guaranteed.
You can do all of this yourself, for free.
You have the right to dispute inaccurate information in your own credit file yourself, at no cost, by contacting Equifax, Experian and TransUnion directly. You are never required to hire anyone to do this.
You have three business days to walk away.
You may cancel this contract, without penalty or obligation, at any time before midnight of the third business day after the date you sign it. Cancel in that window and you get a full refund.
01What you are purchasing
The Foundation Program — a six-month credit repair service. It includes:
- Preparation and submission of dispute correspondence to all three major credit bureaus on your behalf
- Monthly progress check-ins
- Credit builder recommendations
- A personalized action plan based on your actual credit file
02Price and payment
There is one Foundation Program. It can be paid for in two ways. The service, the six-month term, and every term on this page are identical either way — only the price and the payment schedule differ.
| Payment option | Program | Monitoring | 6-month total |
|---|---|---|---|
| Pay onceFoundation Consultation Program | $697.00 | $179.40 | $876.40 |
| $150.00 × 6 monthsFoundation Payment Plan | $900.00 | $179.40 | $1,079.40 |
| You pay more on the plan | $203.00 | — | $203.00 |
Credit monitoring is required and billed separately at $29.90 per month, by the monitoring provider, not by us. This applies to both payment paths and is included in the totals above.
03No guarantee of results
No credit repair outcome is guaranteed. We do not promise any specific credit score, any specific increase, approval by any lender, or removal of any specific item.
Results vary based on your individual credit profile, what creditors and furnishers produce in response to disputes, credit bureau procedures, and regulatory timelines — none of which we control.
Any results described by other clients are individual experiences and are not typical and not guaranteed.
04What we do not do
- We are not a lender. We do not provide funding, loans, or credit.
- We do not provide legal, tax, or financial advice.
- We cannot and do not remove accurate, current, or verifiable information from your credit file — no company can.
Our work addresses information that is inaccurate, incomplete, or unverifiable.
05Your right to do this yourself, free
You have the right to dispute inaccurate information in your own credit file yourself, at no cost, by contacting Equifax, Experian and TransUnion directly. You are never required to hire anyone to do this.
You also have the right to obtain a free copy of your credit report from each bureau.
06Your right to cancel
You may cancel this contract, without penalty or obligation, at any time before midnight of the third business day after the date you sign it.
You will receive a written contract and a written statement of your rights under state and federal law before any services begin.
07Refunds
Cancel within that three-business-day window and you receive a full refund. After that period, refunds are handled per the written service agreement provided at onboarding.
08Timeline
The program runs six months. Credit bureaus have a defined statutory window to respond to each dispute, so the process moves in cycles.
Most visible change occurs across cycles two through five. Some files take longer, and some show little or no change.
09Your responsibilities
- The information you provide is accurate and your own.
- You will provide access to your credit reports and respond to requests for documentation.
- Delays in providing what we ask for will delay your results.
10Communications
By purchasing, you agree we may contact you about your account by email, phone and text at the details you provide. Message and data rates may apply.
Reply STOP to opt out of texts at any time.
Appendix · Consumer rights
Your rights under federal law
Credit repair is one of the most heavily regulated services you can buy. Two federal laws give you rights that no company — including this one — can take away, shorten, or ask you to waive.
What a credit repair company must do for you CROA §§1679b–1679f
- Give you a separate written rights statement before you sign anything. It is headed Consumer Credit File Rights Under State and Federal Law, it is its own document — not a clause inside the contract — and you sign to acknowledge you received it. We keep that signed copy for two years.
- Give you a written contract stating the total amount of all payments, a detailed description of the services, any guarantees, an estimated completion date, and our name and principal business address.
- Give you two copies of a dated Notice of Cancellation with the contract, showing the address to send it to and the date your right to cancel expires.
- Never make an untrue or misleading statement about your credit standing, or advise you to make one to a bureau or a creditor.
- Never charge you before services are fully performed. This is a federal prohibition, not a policy.
- Never ask you to waive any of these rights. Any waiver you sign is void and unenforceable by law.
What you can do yourself, at no cost FCRA, 15 U.S.C. §1681
- Get your credit report for free. You are entitled to a free report from each nationwide bureau through the federally authorized source, AnnualCreditReport.com, and additionally after an adverse action, or if you are unemployed, on public assistance, or believe your file contains fraud.
- Dispute anything inaccurate, directly and for free. Write to Equifax, Experian or TransUnion yourself. The bureau generally must investigate within 30 days and cannot charge you.
- Have inaccurate or unverifiable information corrected or deleted once the investigation confirms it. Accurate, current, verifiable information stays — there is no exception to this for anyone.
- Add a 100-word statement to your file if a dispute is not resolved to your satisfaction.
- Have most negative information age off — generally seven years, and ten for most bankruptcies.
- Limit who sees your file to those with a permissible purpose, and place a free fraud alert or security freeze.
- Sue for violations. Both the FCRA and CROA give you a private right of action against companies that break them, including this one.
Where to complain FTC · CFPB
- Federal Trade Commission — Washington, D.C. 20580 · reportfraud.ftc.gov
- Consumer Financial Protection Bureau — consumerfinance.gov/complaint
- North Carolina Department of Justice — ncdoj.gov, for state consumer protection complaints
This appendix is a plain-English summary, not the legal disclosure. Federal law requires that the statutory rights statement and the Notice of Cancellation be delivered to you as separate written documents before you sign a contract. Reading this page does not replace them, and nothing here waives, shortens, or limits any right described above. If anything on this page ever conflicts with the FCRA or CROA, the statute controls.
Sources · 15 U.S.C. §1679c · §1679d · §1679e · 15 U.S.C. §1681 (FCRA)
Questions about these terms
Reach us before you buy, not after.