Personal credit
Three programs. One practice.
Each plan targets a different personal credit outcome — choose the one 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)
Filing bankruptcy?
DIY Bankruptcy Toolkit™
Not post-discharge rebuild — this is for organizing, educating, and tracking your own filing. Debt organizer, Chapter 7 & 13 education, court forms, fee waiver guidance, and a document vault. $125 one-time · lifetime access.
Value breakdown
Three programs. Three outcomes.
These aren't tiered upgrades of the same service — each plan targets a different personal credit 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.
Bankruptcy ecosystem
Five programs. One recovery path.
A complete pathway from pre-filing review through funded re-entry. Each tier picks up where the prior one ends — no overlap, no duplicate benefits. PCG provides education, review, and preparation. We do not provide legal advice or guarantee specific outcomes.
- 01
$149 starter · $299 full (one-time)
Bankruptcy Readiness Navigator™
Pre-filing organization and readiness review. Not legal advice.
Entry
Considering bankruptcy or preparing questions for an attorney.
Outcome
A written readiness review, financial distress score, and attorney question checklist.
- 02
$299 one-time · or $99 / mo
Bankruptcy Filing Education Roadmap™
Educational roadmap. We do not prepare petitions or file cases.
Entry
Want to understand the bankruptcy process and official self-filing resources.
Outcome
Plain-English education on chapters, documents, deadlines, and court process.
- 03
$49 / mo
Bankruptcy Progress Tracker™
Active-case milestone tracker. Stay organized through discharge.
Entry
Active Chapter 7 or Chapter 13 case currently open.
Outcome
Milestone tracking, payment-plan reminders, document vault, and post-discharge prep.
- 04
$299 / mo
Bankruptcy Recovery Blueprint™
Post-discharge rebuild program for Ch. 7 / 13 filers.
Entry
Post-discharge — bankruptcy has closed.
Outcome
A 12 / 24 / 48-month rebuild blueprint and tradeline stack.
- 05
$997 / mo (3-month commitment)
Bankruptcy Re-Entry Concierge™
Done-for-you recovery management. 3-month minimum.
Entry
Members ready for hands-on recovery management.
Outcome
Concierge-managed file rebuild with a dedicated specialist.
- 06
$499 / mo
Funding Re-Entry Accelerator™
Funding-readiness preparation after a completed recovery.
Entry
Post-recovery — file rebuilt, ready to re-enter capital markets.
Outcome
Lender re-entry planning and funding readiness preparation.
PCG does not provide legal services and is not a law firm. We do not pay or discount attorney fees. Members may receive an Attorney-Ready Packet™ (Pathway Forward™) and Attorney Match Priority Access™ (Opportunity Access™) routing into our independent attorney-matching network.
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.
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.