OUR PACKAGES

Choose How You Want To Proceed

Standard

$$97monthly
  • +$50/month To Add Your Spouse
  • Onboarding: $197 (due at signup)
  • Budget Planner
  • Financial Assessment
  • Full Credit Report Analysis w/PDF
  • Membership To Our Paid FB Group
  • Customized Action Plan Based On Your Goals
  • x
  • x
  • x
  • x
  • x
  • x
  • x
Sign Up
Couples Sign Up

Platinum

$147monthly
  • +$50/Month To Add Your Spouse
  • Onboarding: $197 (due at signup)
  • Budget Planner
  • Financial Assessment
  • Full Credit Report Analysis w/PDF
  • Membership To Our Paid FB Group
  • Customized Action Plan Based On Your Goals
  • Credit Monitoring w/Smart Credit (save $5/month)
  • Credit Education Training Videos
  • Smart Credit Training Videos
  • Copy Of Our Book
  • Professional Budgeting Class w/Done-For-You Project Management Plan ($497 value)
  • Lifetime Access To Our Fiscal Literacy Curriculum ($997 value)
Sign Up
Couples Sign Up

Premier

$127monthly
  • +$50/month To Add Your Spouse
  • Onboarding: $197 (due at signup)
  • Budget Planner
  • Financial Assessment
  • Full Credit Report Analysis w/PDF
  • Membership To Our Paid FB Group
  • Customized Action Plan Based On Your Goals
  • Credit Monitoring w/Smart Credit (save $5/month)
  • Credit Education Training Videos
  • Smart Credit Training Videos
  • Copy Of Our Book
  • x
  • x
  • x
Sign Up
Couples Sign Up
BASIC PACKAGE

$197 Onboarding (+$50 For Spouse)
$97/month (+$50 For Spouse)

  • Budget Planner

  • Financial Assessment

  • Full Credit Report Analysis w/PDF

  • Membership To Our Paid FB Group

  • Customized Action Plan Based On Your Goals

Sign Up
Couples Sign Up
PREMIER PACKAGE

$197 Onboarding (+$50 For Spouse)
$127/month (+$50 For Spouse)

  • Budget Planner

  • Financial Assessment

  • Full Credit Report Analysis w/PDF

  • Membership To Our Paid FB Group

  • Customized Action Plan Based On Your Goals

  • Credit monitoring with SmartCredit (Save $5/month)

  • Credit Education Training Videos

  • Smart Credit Training Videos

  • Copy of Our Book

Sign Up
Couples Sign Up
PLATINUM PACKAGE

$197 Onboarding (+$50 For Spouse)
$147/month (+$50 For Spouse)

  • Budget Planner

  • Financial Assessment

  • Full Credit Report Analysis w/PDF

  • Membership To Our Paid FB Group

  • Customized Action Plan Based On Your Goals
  • Credit monitoring with SmartCredit (Save $5/month)

  • Credit Education Training Videos

  • Smart Credit Training Videos
  • Copy of Our Book
  • Professional Budgeting Class w/Done-For-You Project Management Plan ($497 External Cost)
  • Lifetime Access To Our Fiscal Literacy Curriculum ($997 Actual Cost)
Sign Up
Couples Sign Up

Our Client Portal

We utilize a user-friendly software that allows you to login from any device to see what’s going on with your credit repair at any time.

Our Client Portal

We utilize a user-friendly software that allows you to login from any device to see what’s going on with your credit repair at any time.

Credit Repair FAQs

Items can’t come back if it is current or paid at the time of removal or if the collection is older than three (3) years. In very rare cases, there are exceptions that apply.

When it comes to collection accounts, they can choose to sell the debt to another debt collector. In that case that account will also need to be disputed.

However we offer three (3) FREE annual audits for our clients that have completed the process with us and if any item WE removed has come back, we will work with you to remove it again at no cost to you.

Most of our clients see a change in their credit score within their first 60-90 days.

Credit Repair is a marraige between removing negative items and building positive credit items. The only real variable in your credit is YOU.

Even with our proven and effective system, if you are continuing to accumulate late payments or max out your credit accounts, you won’t get the results you’re expecting.

Here are some of the most common reasons people experience stagnant or lowered credit scores in our program:

  • New late payments
  • Maxed out credit accounts
  • Collection account being sold to another collector
  • Choosing NOT to build your credit

Remember, the point of credit repair is to remove inaccurate or outdated and unverifiable items on your credit report. Increases in your credit score is a by-product of those items being removed.

Here’s the breakdown of your FICO score:

  1. Payment History – 35%
  2. Credit Usage – 30%
  3. Age of Credit – 15%
  4. New Credit Accounts – 10%
  5. Mix of Credit Accounts – 10%

As you can see, payment history and credit usage (balances of your accounts vs credit limit) are the highest ranking factors in your credit score.

Sometimes creditors on the credit bureau have done absolutely everything right and we have no case against them.

In this case, our best option is to arrange payment in exchange for deletion. Depending on the age of the account, we may be able to negotiate a lower payment.

This depends on the package that you choose to go with. Most of our clients are with us 6-9 months. We’ve seen some finish our program in less than 6 months, but most fall between the 6-9 month benchmark.

In the extremely rare case that any of our clients are with us longer than 12 months, you will no longer be charged for services rendered, but we will still continue to work on your behalf.

For most Americans, yes. Credit Bureaus and borrowing institutions would rather you stay ignorant, but credit training does work in most circumstances if you are getting the right advice from an experienced professional.

If you have less than a 720 credit score, I’m willing to wager that Fiscal Literacy would help you build healthy credit habits that you can also pass down to your children.

We do our best to provide as many tools and as much education on building and maintaining great credit to help you keep your great credit for many years to come!

Yes, credit repair is legal and our credit education and document processing services will help you to use the law in your favor. That law is called “The Fair Credit Reporting Act.”

The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports.

Therefore most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed.

Sometimes the furnisher will say it has been verified but will not offer proof. It is our job to prepare documents that challenge this and we are very skilled at that.

Yes. It is now mandatory to keep credit monitoring when utilizing our credit repair services. Because we know that a-la-carte services tend to add up after a few months, we’ve created packages that include credit monitoring for you.

Many times, we find our clients do not send us correspondance they receive in the mail and that slows up our ability to send things out in a timely manner. Credit monitoring helps provide a monthly update as to what changes may have taken place on your credit report.

It’s possible that instead of needing credit repair, you need to build your credit. In that case, we offer free training on where to start and how to build your credit faster.

Whether you realize an immediate need for having great credit or not, it will be affecting many aspects of your life. Things like:

  • Employment: Many employers check credit before making a job offer. They use your credit report as a reference for how responsible you are.
  • Buying A Home: Banks rely heavily on your credit profile to determine if they will lend to you. The lower your credit score, the higher risk you will be. This will keep you in the circle of denial. If for some reason you DO get approved, you will pay thousands of dollars more for the same loan in interest that you could’ve avoided.
  • Insurance Premiums: Insurance companies determine how much to charge you based on your credit scores. The lower your score, the higher your premium will be.

Our goal is to help Christians become good stewards of the Lord’s abundance and that includes taking care of your credit. Are you really a good steward if you’re paying thousands of dollars more than you should be for the same items?