The process
How it works
Every step is built around the federal Credit Repair Organizations Act and, for our Missouri home base, RSMo 407.635–407.644. We work with clients nationwide, subject to each state's rules. We cannot serve Georgia residents.
Free report review, if you want it
Before you pay anyone, get your free reports at AnnualCreditReport.com and go through our free 8-point checklist. No cost, no obligation. You may find you can handle it yourself, for free.
Intake online, or a call with an emailed link
Tell us your name, email, state, and what you want help with. Prefer a person? Meet us by appointment in Arnold, Missouri. We never sign anyone up or take a card over the phone. If you call in, we email a pay link and you enroll online.
Get your 3-bureau report
Most clients start with Fresh Start Monitoring, powered by SmartCredit: $39.99 today includes your full 3-bureau report and scores, then $39.99 a month until you cancel. You sign up and pay on SmartCredit's co-brand page. SmartCredit bills it; we never bill that $39.99 ourselves. It is not required for repair. Prefer $0? Upload free reports from AnnualCreditReport.com, or use a current 3-bureau report you already have. You give us written permission to view the reports. We never ask for your bureau passwords or identity-quiz answers, and we never pull credit ourselves.
Disclosures before anything else
You read the federal Consumer Credit File Rights statement and a cancellation notice before you sign a cycle agreement. You get copies of everything.
3-business-day cancellation window
Cancel for any reason before midnight of the third business day after you sign. We don't start work, mail letters, or charge a repair fee until that window has fully expired, and you owe nothing if you cancel in time.
You decide, a person checks
Our system reads accounts, late payments, collections, and inquiries, and flags items that may be wrong. For each flag, you tell us whether it's accurate. A person reviews every item before any letter is written. We only dispute items you confirm in writing.
Letters you sign
We draft specific, factual letters. You read and sign them. We send bureau letters by USPS Certified Mail and keep the receipt. Letters to creditors or collectors are yours to sign and send.
We mail, then bill
A cycle is complete when the dispute letters you approved have been sent by certified mail and we have the proof. We then invoice you and charge that cycle's $199 fee 3 calendar days after the mailing date. If mailing proof is missing, there is no charge. Reviewing the bureaus' answers with you is included at no extra charge.
Another cycle only if you want one
Each cycle has its own short agreement and its own cancellation window, so you're never locked in. You may do at most 6 cycles, and every agreement must be signed within about 180 days of your first one. The most you could pay us for repair is $1,194 as an individual, or $2,094 at the couples / household price of $349 per cycle.