Activate your PCG membership
Choose a tier to unlock the full member experience. Stripe checkout will be wired in once payments go live; for now activation is instant for preview.
DIY
$79 / mo
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
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Signature
$199 / mo
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)
Bankruptcy Recovery
$299 / mo
Post-discharge rebuild program for Chapter 7 & 13 filers.
- Discharge accuracy review (all 3 bureaus)
- Re-aging & misreported-debt disputes
- 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
Business Credit Buildout
$499 / mo
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
Compare plans
Side-by-side feature comparison
| Feature | DIY | Signature | Bankruptcy Recovery | Business Credit Buildout |
|---|---|---|---|---|
| Monthly price | $79 | $199 | $299 | $499 |
| Target outcome | Self-managed cleanup | Personal FICO recovery | Post-discharge rebuild | Fundable business profile |
| Who it's for | Hands-on, budget-first | Mortgage / auto in 6–12mo | Ch. 7, 9, 11, 12, 13 filers | LLC owners seeking funding |
| Bankruptcy types serviced | N/A | N/A | Ch. 7, 9, 11, 12, 13 | N/A |
| Work performed | You draft & mail | We prepare & dispatch | We audit discharge & rebuild | We build entity & tradelines |
| Cadence | Self-paced | Bi-weekly rounds | Bi-weekly + rebuild stack | Monthly milestones |
| Case team | AI assistant + academy | Dedicated case lead | BK recovery specialist | Business credit strategist |
| Tri-bureau audit tool | ||||
| Human-prepared letters | ||||
| Member portal & case log | ||||
| Escalations & strategy memos | ||||
| Secured-card / tradeline rebuild stack | ||||
| Lender re-entry coaching | ||||
| D-U-N-S & business bureau setup | ||||
| Vendor tradeline placement | ||||
| Funding roadmap ($50K–$250K) | ||||
| Per-item review discount | — | 15% off | 20% off | N/A (flat-fee program) |
| Best result horizon | 60–120 days | 90–180 days | 12–48 months | 6–12 months |
Preview mode — activations are instant. Stripe checkout replaces this once payments are enabled.