CREDIT OPTIMIZATION
Build a stronger credit profile with structure.
We focus on compliance-first credit optimization, education, and clear next steps. The objective is simple: help you position your profile to support your real goals — without noise, gimmicks, or guesswork.
Common goals
- • Home purchase / refinance readiness
- • Auto approval positioning
- • Removing negative items & inaccuracies
- • Profile building & utilization strategy
- • Business credit direction (when applicable)
What we look at
- • Credit report structure & account mix
- • Payment history & dispute readiness
- • Utilization patterns
- • Negative accounts count & recency
- • Goal timeline and constraints
How it works
- 1) Submit intake
- 2) We review your goals and situation
- 3) You receive next-step direction by email
- 4) If qualified, we move into structured execution
Minimum Engagement Period
Due to the compliance-driven nature of credit optimization, all engagements operate on a minimum 3-month term. This allows for proper sequencing, bureau response timelines, and structured follow-through.
PRICING
Credit Optimization Plans
Foundation
$149
per month
- • 1–3 derogatory accounts
- • Compliance-based dispute strategy
- • Up to 3 accounts worked per cycle
- • Monthly progress updates
- • Email support
Momentum
$229
per month
- • 4–7 derogatory accounts
- • Escalated dispute sequencing
- • Up to 6 accounts worked per cycle
- • Priority email support
- • Multi-round bureau follow-ups
Intensive
$299
per month
- • 8+ derogatory accounts
- • High-complexity profiles
- • 10+ accounts worked per cycle
- • Multi-round dispute logic
- • Highest priority handling
Billing & Service Policy: All credit services operate on automatic monthly billing. A 3-month minimum commitment is required. Services are provided only while accounts are in good standing. If a payment fails, services pause automatically until the account is brought current. Credit repair timelines vary by profile and complexity. No guarantees are made regarding deletions, score increases, approvals, or outcomes.