CredX is software-led: platform access helps you understand your profile, organize next steps, and track progress. Education and optional professional support are separate choices. Initial review happens before paid support is selected.
DIY Path
5-Day Masterclass
$47 one time
A guided DIY system with your 5-day masterclass, bonus day, and affiliate resource stack.
- 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 analysis review
Nothing today. Your first work fee is billed only after your completed analysis review — then $75/month, billed after each month's work. Cancel anytime.
- Initial file review and priority map
- Client portal access
- Cesar AI guidance plus optional human review
- Dispute workflow visibility
- No charge until your analysis review is delivered
Start with Essential
Optional Professional Support
Premium
$447 after analysis review
Higher-touch professional support for review, organization, and follow-through. Billed only after your completed analysis review — nothing upfront.
- Everything in Essential, with higher-touch review
- Priority sequencing for higher-impact negatives
- Direct coach access plus Cesar AI agent
- No charge until your analysis review is delivered. We do not guarantee specific score changes or deletions.
Start Premium
Family
$300 after analysis review
Nothing today. $300 first work fee after your completed analysis review, 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
- Shared report organization and planning
- Ideal for couples or families coordinating financial goals
Ask About Family Plan
How & when you're billed
Pre-plan intake review
The initial review happens before paid support is selected. It is not a recurring access tier and does not unlock a separate platform plan.
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).
Optional professional support — billed after work is performed
Paid support plans are optional and begin only if you choose to continue after intake review. 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 analysis review has been delivered and confirmed.
- 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).