What it costs
It's free.
No fees, no card on file, no monthly bill. No packages to decode and no monitoring subscription smuggled into the fine print.
The review
Free
Your three free reports, every line analyzed, and your complete three-bureau game plan: every account, every mark, what we can challenge and why. Then your analyst calls to walk it with you and plan next steps.
The work
Free
We keep working your file: each round's letters written and ready to print and mail, deadlines tracked, bureau responses read, the companies that reported the debt pressed — and your analyst on the phone as it all moves.
No card on file, no bill. Stop whenever you like.
Guided every step
A step-by-step guide gets you your reports, a real analyst reads every line, and your review lands in your portal.
Everything that's included
One service, whole. Nothing here is an add-on.
- All three bureau reports, with a step-by-step guide to get them
- A full file review by a human analyst
- Your game plan, in writing
- Every dispute letter written for you, round after round — you print, sign, and mail them yourself
- Challenges to the collectors and banks behind the items, when your file calls for them
- Deadline tracking and follow-ups — we chase, you don’t
- A dashboard that shows all three bureaus on one screen, in plain English
- An analyst who calls you as things move
Every line, read by a person
your review is human work, start to finish