How long does it take to repair my credit?

Each situation is unique and so is the timeframe required to repair your credit. Most of our customers see great results within the first 45-60 days. All terms are for a period of 6 months with the option to cancel as noted in our service policy.

As long as you are a member with our company, we will work diligently towards the improvement of your credit score. Our goal is to improve both your credit report, score as well as educate you on how to keep good credit. Please note, no company can promise any specific outcome simply because there are several third-parties involved in this process from the credit bureaus to collection agencies and no one knows how they will respond. Any company that tells you otherwise is selling you a dream to get your services.

How much will my score improve?

There is no sure way to tell. Of the 3 credit agencies, no two score models are exactly the same. Additionally, your report and your neighbors are also weighted differently based on your credit history. What this means is that improvements we make on one person's credit may or may not improve the score as much as another's. We've seen scores go up over 250 points, and others just get a 30 point boost. All results will vary; however, you can be certain that we will get you the best results possible and will continue working on your file monthly until we have improvements.

How much is your service?

Your cost today is $0 and this is for your 3 bureau credit report (when using! A one-time first work fee of $199 for individuals and $349 for couples will be charged 1-2 days after signing up for our service for work initially completed. The monthly fee is $99 per month for individuals and $189 per month for couples, billed either on the 1st or 15th of the month and begins 30 days after the first work fee is paid.

What services do I get with my membership?

First Work Services (one time charge) - $199 for Individuals, $349 for Couples

  • Detailed Score & Credit report Analysis – informational booklet provided to client on full credit profile

  • Initial Credit Bureau Challenges (Transunion, Equifax and Experian)

  • Tips & educational resources loaded to client web portal on how to maintain good credit

  • Client Web Access Portal Set up

  • Free Mobile App to check your process at each step of the way. Available in both GooglePlay and IOS store.

Ongoing Monthly services - $99/month for Individuals, $189 for Couples

  • Bureau Challenges and follow-ups (Transunion, Equifax and Experian)

  • Direct Creditor interventions & negotiations on client behalf

  • Cease & Desist Letters

  • Ongoing access to Client Web and app with real-time updates

  • Personal Finance Tools via client portal & app

  • VIP Access to our Premier Partners (Car dealers, Real Estate Agents, lenders and more)

How do I cancel service?

Our service is month-to-month and you may cancel anytime. Like many home expense bills, you will be charged a final payment after cancellation since billing occurs for services already performed. Contact us at to cancel your membership.

Do I get a discount for signing up with my spouse?

Of course! We understand first hand that combined credit is needed for large purchases such as your first home. Or maybe you both just want a better situation, and we’re here to help. Sign up your spouse after you complete your order, or up to three days following your order and you'll each receive the couple discount listed on the credit repair service page.