Credit report help, done honestly
A fresh start, without the hard sell.
We help you find and dispute errors on your credit reports. Repair is $199 per cycle, charged 3 days after that cycle's letters are mailed by certified mail. Based in Arnold, Missouri, and we work with clients nationwide, subject to each state's rules.
- No setup fee, no prepaid package, no cancellation fee
- Charged 3 days after each cycle's letters are mailed — and only after your 3-business-day cancellation window
- A cycle is complete when your approved letters are mailed certified
- A real person reviews every item
- Letters only for items you confirm are wrong
- If you call, we email a pay link. We never take a card on the phone
- Updates by email, the client portal, chat, and phone
The process
How it works
A clear path from your first report to mailed dispute letters. You can stop after any cycle.
Tell us about you
Fill out a short intake online, or call and we'll email you a link. We never take a card on the phone. No Social Security number in the form or in chat.
Get your 3-bureau report
Most people start with Fresh Start Monitoring, powered by SmartCredit: $39.99 today includes your full 3-bureau report and scores, then $39.99 a month. You pay SmartCredit on its co-brand page, not us. It is optional and never required for repair. Prefer $0? Upload free reports from AnnualCreditReport.com.
Read your rights and sign
You get the federal consumer-rights statement and a 3-business-day cancellation notice before you sign. We wait out that window before any work starts or any letters are mailed.
Confirm what's wrong
We flag items that may be inaccurate, incomplete, or outdated. You decide. A person reviews every item. Accurate items stay.
We mail, then bill
A cycle is complete when the letters you approved go out by certified mail and we have the proof. We keep the receipt, then charge $199 3 days after that cycle's mailing date. You still get a written summary when the bureaus answer.
Simple pricing
One repair plan, clearly billed
Credit repair cycle
Review, letters you approve and sign, certified mailing to the bureaus, tracking, and a written summary. A cycle is complete when those letters are mailed certified. Charged 3 days after mailing, and only after your cancellation window. Couples / household: $349 per cycle combined for two adults in the same household.
3-bureau report + monitoring
Fresh Start Monitoring, powered by SmartCredit. Your first paid month includes your full 3-bureau report and scores. Billed by SmartCredit, not required for repair, cancel any time.
Education and money app
Optional education and money tools for the public. Free for active repair clients. Not a credit repair service and not required to work with us.
At most 6 repair cycles in about 180 days (the most you could pay us for repair is $1,194 as an individual, or $2,094 at the couples price). There is no prepaid package and no setup fee. See full pricing details →
Ready to take a look at your reports?
Start with a short intake, or get your 3-bureau report. If you call, we'll email you a link to enroll online. No card is taken on the phone.