Essential Plan
$149/mo + $99 One-Time Consultation
Tackle Moderate Credit Challenges with Comprehensive Repair Services
If you’re facing more than a few inaccuracies — including multiple collections, charge-offs, or moderate derogatory items — the Essential Plan gives you the expanded services you need. For $149/month, plus a one-time $99 credit consultation fee, you’ll receive a robust, proactive plan and ongoing guidance to accelerate your credit improvement.
What’s Included
Personalized Credit Repair Plan
We’ll carefully review your credit report during your initial consultation and create a unique action plan tailored to your situation.
Live Credit Consultation ($99 one-time)
A thorough analysis of your credit report with actionable recommendations for improvement.
Disputes Sent to All 3 Credit Bureaus
Aggressive challenges to remove errors, outdated items, or unverifiable debts from your reports.
Up to 6 Monthly Creditor Intervention Letters
Proactive letters sent to creditors to resolve multiple negative items each month.
24/7 Online Credit Repair Progress Portal
Real-time updates, secure document uploads, and full visibility into your repair process.
Monthly Credit Score Tracking
Comprehensive monthly updates on your scores with insights on changes.
Responsive Email & Phone Support
Access responsive, friendly support whenever you have questions or concerns.
Satisfaction Guarantee & Cancel Anytime
Stay in control with flexible, contract-free service.
Active credit monitoring required.
Why Choose the Essential Plan?
The Essential Plan is perfect for consumers needing more than basic intervention—ideal if you have several collections, multiple late payments, or moderate credit challenges that require consistent action and deeper strategies.