Membership
Four programs. One practice.
Each membership targets a different financial outcome — choose the program that matches where you are today.
DIY
Self-serve toolkit. You generate, sign, and mail your own letters.
- Tri-bureau audit tool
- Letter generator (5 FCRA / FDCPA templates)
- Member academy & playbooks
- AI Assistant (50 msg/mo)
- 30-day response tracker
What you receive
- Self-serve credit audit (tri-bureau)
- Generate FCRA §611 / §623 / FDCPA letters
- Print-to-PDF letter delivery
- Mailing checklist & certified-mail tracking
- Bureau response log & next-step prompts
Signature
Done-for-you personal credit restoration with a dedicated case lead.
- Dedicated personal case lead
- Bi-weekly challenge rounds (FCRA §611 / §623)
- Metro 2 & furnisher escalations
- Eligibility matching for lenders & tradelines
- 15% off all per-item review fees
- Priority support (same-day)
What you receive
- Written tri-bureau audit & strategy memo
- Bi-weekly tracked challenge rounds
- Furnisher / Metro 2 compliance escalations
- Lender & tradeline eligibility report
- Monthly progress review with your case lead
Bankruptcy Recovery
Post-discharge rebuild program for 7 - 13 filers.
- Discharge accuracy review (all 3 bureaus)
- Re-aging & misreported-debt dispute strategy
- Secured-card & credit-builder stack
- Authorized-user & tradeline placement
- Mortgage / auto re-entry timeline (2-yr & 4-yr gates)
- 20% off all per-item review fees
What you receive
- Post-discharge tri-bureau audit (zero-balance verification)
- Disputes for misreported discharged debts & duplicates
- Rebuild blueprint: secured cards, builder loans, tradelines
- 12 / 24 / 48-month FICO recovery roadmap
- Lender re-entry coaching (FHA, conventional, auto)
Business Credit Buildout
Build a fundable business credit profile separate from your personal SSN.
- Entity & compliance audit (LLC, EIN, address, phone, web)
- D-U-N-S, Experian Business & Equifax SBFE setup
- Tier 1–3 vendor tradeline roadmap
- Bank & merchant account positioning
- Funding readiness scorecard (PAYDEX / Intelliscore)
- Direct intros to vetted vendors & funders
What you receive
- 26-point business fundability audit
- Bureau registration & monitoring (D&B, Experian, Equifax SBFE)
- Vendor tradeline plan with application sequencing
- Quarterly PAYDEX / Intelliscore progress report
- Funding stack roadmap targeting $50K–$250K
Value breakdown
Four programs. Four outcomes.
These aren't tiered upgrades of the same service — each plan targets a different financial outcome. Pick the one that matches where you are today.
DIY — $79
Less than the cost of a single paralegal hour. You get the same audit engine and letter library our case leads use, plus the AI Assistant to coach you through each round. Ideal when you have time but not budget.
Signature — $199
Roughly 2–3 hours of senior analyst time per month plus a named case lead. Bi-weekly cadence means twice the dispute pressure of a typical monthly program. The 15% review-fee discount closes the gap on active engagements.
Bankruptcy Recovery — $299
Post-discharge work is its own specialty — re-aging errors, zombie debts, and lender re-entry timing. We audit the discharge, dispute misreporting, and build the secured-card / tradeline stack that gets you mortgage- or auto-eligible again at the 2-yr and 4-yr gates.
Business Credit — $499
A complete business credit buildout — entity compliance, D&B / Experian / Equifax setup, vendor tradelines, and a funding roadmap. Comparable consultants charge $3,500–$7,500 as a one-time fee. We deliver it as a managed program with quarterly score reporting.
Accuracy Review Service
Per-item review fees.
When a tradeline requires individual analysis and a formal challenge to the bureau or furnisher under the Fair Credit Reporting Act, we bill a flat fee for the work performed — charged when the case is opened, never contingent on outcome.
Standard Review
$75 / item
Single tradeline analysis, FCRA § 611 challenge letter, bureau correspondence tracking.
Complex Review
$125 / item
Furnisher dispute, Metro 2 compliance review, or multi-bureau coordinated challenge.
Initial Engagement
$199 one-time
Full tri-bureau audit, profile architecture report, and case strategy. Billed after delivery.
Member savings calculator
See what each membership saves you on review fees.
Members receive a tier-based discount on every Standard and Complex Review fee for the life of their membership. Enter the items you expect this engagement and compare.
DIY
No discount
You save $0 on this engagement.
Signature
15% member discount
You save $53 on this engagement.
Bankruptcy Recovery
20% member discount
You save $70 on this engagement.
Business Credit Buildout
No discount
You save $0 on this engagement.
Discount applies to per-item Standard and Complex Review fees only. The Initial Engagement fee and membership dues are not discounted. All fees remain billed for work performed, never contingent on outcome.