Bad credit costs you $93,000.
We dispute it — you only pay per deletion.
Every negative item on your report is costing you higher rates on mortgages, auto loans, and credit cards. We dispute inaccurate items with all 3 bureaus using federal law. No monthly fees. No upfront charges. You pay only when items are confirmed removed.
$149
Per Deletion
5
Dispute Rounds
3
Bureaus Covered
$0
Upfront Fees
Every month you wait costs you money.
A single collection drops your score 100+ points. That means higher interest rates on mortgages, auto loans, credit cards, and insurance. The difference between a 620 and a 740 score is $93,000 in extra mortgage interest alone. Those items won't remove themselves.
5 steps. 15 minutes to start. You never pay unless we deliver.
Free credit review, CROA-compliant contract, AI-powered disputes, 35-day investigation period, pay per confirmed deletion. That's the entire process.
Free credit review
15 min callWe analyze your report across all 3 bureaus. Identify every negative item — collections, charge-offs, late payments, inquiries, public records. No charge, no commitment.
Sign your CROA contract
Required by lawFederal law protects you. Our contract spells out exactly what we'll do, what it costs per deletion, and your right to cancel within 3 business days.
We send dispute letters
FCRA § 611(a)AI-generated letters unique to YOUR situation. Every letter is different — bureaus can't pattern-match them. Sent to Experian, Equifax, and TransUnion.
Wait 35 days
Per roundBureaus have 30 days to investigate under federal law. We build in 5 extra days for mail time. You track progress in your client portal the entire time.
Pay only for results
Per-deletion billingWhen items are confirmed removed, you pay. Per deletion. If nothing gets deleted, you pay nothing. Up to 5 rounds total.
Why clients choose per-deletion over monthly.
Most credit repair companies charge $99–$149/month whether they delete anything or not. We only get paid when items are confirmed removed.
CROA compliant
We operate under the Credit Repair Organizations Act. No advance fees. 3-day cancellation right. Your contract spells out every detail before you sign.
AI-powered disputes
Every dispute letter is unique. 7 letter types, generated by AI trained on FCRA, FDCPA, and Metro 2 compliance standards. Bureaus cannot pattern-match what they have never seen.
Zero risk to you
No monthly fees. No setup fees. No retainers. You pay per confirmed deletion only. If we dispute 20 items and zero get deleted, you owe $0. The financial risk is entirely on us.
Template letters get dismissed. Ours don't.
AI generates a unique dispute for every item on every report. Bureaus have never seen it before.
Other companies charge $99–$149/month. We charge per deletion.
Per-deletion billing. You pay after items are confirmed removed from your report — never before. If nothing gets deleted, you pay nothing. No monthly subscriptions. No setup fees.
What the industry charges — monthly, regardless of results
Lexington Law
$140/mo
Whether they delete or not
Credit Saint
$140/mo
+ $195 setup fee
Sky Blue Credit
$119/mo
+ $79 setup fee
CreditRepair.com
$120/mo
12+ months typical
6 months at $140/mo = $840 paid regardless of results. With per-deletion, you only pay for what actually gets removed.
Per-Deletion Credit Repair
$149
per confirmed deletion
- AI-powered unique dispute letters — never templates
- All 3 bureaus (Experian, Equifax, TransUnion)
- Up to 5 dispute rounds
- Score prediction AI
- Free education platform access
- $0 setup · $0 monthly · $0 if nothing deleted
Referred by a Partner?
Exclusive partner rates available
Real estate agents, auto dealers, loan officers, and brokers in Florida can refer their declined buyers to us at significantly reduced rates. Your clients get the same AI-powered service across all 3 bureaus — at a fraction of the standard price.
CROA compliant. Under federal law (15 U.S.C. § 1679b), credit repair organizations cannot charge advance fees. We bill after confirmed deletion only. Read your rights
What we dispute.
We challenge inaccurate, misleading, and unverifiable items across all 3 bureaus using FCRA, FDCPA, and Metro 2 compliance standards. See detailed dispute strategies for each item type
Not a template factory.
Most credit repair companies use the same template letters for every client. Bureaus recognize these instantly and dismiss them. Our system is different.
AI analyzes your full report
Identifies every negative item, estimates score impact, finds Metro 2 violations and FCRA issues.
7 letter types, never the same twice
Validation, factual dispute, method of verification, Metro 2 compliance, goodwill, debt validation, cease and desist.
Score prediction
See projected score gains before we start. "Remove these 5 items → estimated +85 points."
Score Prediction
+85 pts possibleDispute Items
Badges Earned
Level 5 — Making Progress
You also get 8 financial tools worth $1,500. Included free.
Every credit repair client gets full access to our partner education platform — 95+ action steps across credit building, home buying, business structure, tax strategy, and more. No extra charge.
Credit Building
Step-by-step roadmap to build credit the right way — the foundation of everything we do here.
Home Buying
Readiness checklist for mortgage qualification — where credit repair meets your biggest goal.
Business Credit
Separate business credit profile from personal
Car Buying
Negotiate like a dealer, not a consumer
Business Structure
LLC, S-Corp, EIN — built for asset protection
Financial Literacy
Budgeting, saving, investing fundamentals
Tax Strategy
Resolve tax debt, build tax-advantaged income
Funding Access
Business loans, SBA, lines of credit
Your declined buyer is our next client. We send them back approved.
Denied for a mortgage? Subprime on a car loan? We dispute inaccurate items and work to build their score to 620+ or 660+. You track every client in your partner portal — live deletions, score changes, readiness alerts. Exclusive partner rates available. Starting with Florida dealers, brokers, and agents.
Real Estate Agents
Buyers denied for low credit? We build their score to 620+ (mortgage ready) and send them back to close.
Auto Dealerships
Subprime buyers become prime buyers. We push scores to 660+ (auto ready) and return them to your lot.
Loan Officers
Pre-qualify denied applicants for a credit improvement program. We handle it, you close the loan.
Your Partner Portal
Live dashboard. Score tracking. Deletion alerts. Automatic notifications when clients hit 620 or 660.
Questions before you start.
Is this legal?
Yes. The Credit Repair Organizations Act (15 U.S.C. § 1679) regulates and permits credit repair. You also have the right to dispute inaccurate items yourself for free — we bring the expertise, the AI, and the legal framework to do it effectively.
How fast will I see results?
Each round takes 35 days. Most clients see deletions within 2–3 rounds (70–120 days). We run up to 5 rounds total — and you only pay for confirmed deletions.
What if nothing gets deleted?
You pay $0. Per-deletion billing means no results = no charge. The risk is entirely on us.
Why not just pay $99/mo to a monthly service?
Because they get paid whether they delete anything or not. After 6 months at $149/mo, you've spent $894 regardless of results. With us, you pay per deletion — only after confirmed removal. If 0 items get deleted, you pay $0. Our incentives are aligned with yours.
Can you guarantee a score increase?
No — and any company that promises specific results is breaking federal law (15 U.S.C. § 1679b). What we do is show you AI-powered score predictions before you start, so you know what's realistic.
Every month those items sit there, you're losing money.
Free credit review. We'll show you every item that can be challenged, the federal law backing each dispute, and your projected score improvement — before you commit to anything.