Start with a free credit analysis. If you decide you want help putting a plan into action, choose the level of support that fits — these are optional.
DIY Path
5-Day Masterclass
$47 one time
A guided DIY system with your 5-day masterclass, bonus day, and affiliate resource stack. Free for new clients who subscribe within 48 hours of first touch.
- Full 5-day curriculum + bonus wealth day
- DIY roadmap to credit, business credit, and financial freedom
- Affiliate tools and recommended resources
- Client portal access for education tracking
Join the Masterclass
+ applicable taxes & processing fees. One-time charge billed at signup. Educational product — see
Masterclass Terms.
Done With You
Essential
$150 after first round
Nothing today. Your first work fee is billed only after your first round of disputes is prepared and sent — then $75/month, billed after each month's work. Cancel anytime.
- Initial file review and priority map
- Client portal access
- AI coaching plus human coaching support
- Dispute workflow visibility
- No charge until your first round of work is delivered
Start with Essential
White-Glove Service
Premium
$447 after delivery
Full white-glove engagement — guidance on disputing inaccurate items, escalation support, help preparing FTC + CFPB filings, and direct coach access. Billed only after your first full dispute round is delivered — nothing upfront.
- Everything in Essential, fully managed
- Priority sequencing for higher-impact negatives
- Help preparing and tracking FTC + CFPB filings
- Direct coach access plus Cesar AI agent
- No charge until your first round of work is delivered. We do not guarantee specific score changes or deletions.
Start Premium
Family
$300 after first round
Nothing today. $300 first work fee after your first round is sent, then $95/month billed after each month's work, for households covering more than one profile. Cancel anytime.
- Shared planning for multiple household members
- Progress visibility through the portal
- Coordinated rebuild and dispute support
- Ideal for couples or family financial recovery
Ask About Family Plan
How & when you're billed
Free credit analysis — $0
The credit analysis happens before any payment is requested. There is no charge and no card required to receive it.
5-Day Masterclass (education) — billed at signup
The Masterclass is an educational digital product, charged once at signup with immediate access. Refunds follow the Masterclass Terms (7-day window, subject to content accessed).
Done-with-you / White-glove (support services) — billed after work is performed
Paid support plans are optional and begin only if you choose to continue after your free analysis. Consistent with the Credit Repair Organizations Act (CROA), you are not charged at signup:
- Nothing due today. You sign a written Service Agreement and we begin work — no payment is collected up front.
- First work fee is charged only after your first round of disputes has been prepared and sent.
- Monthly fee is billed in arrears — after each month's work is performed, never in advance.
- Cancel anytime, including your three (3) business-day right of cancellation under CROA. You are never billed for work that has not yet been performed.
- No specific credit score, item removal, or other outcome is guaranteed. You may dispute inaccurate information yourself, for free, under the Fair Credit Reporting Act (FCRA).