Choose Your Plan. Take Control of Your Credit.
Explore our credit assistance programs, from essential dispute support to comprehensive, personalized guidance. Choose the level of service that best fits your credit profile and goals.
Sign Up for SmartCredit First
Before we begin, set up your SmartCredit account so our team can pull your full 3-bureau credit report, analyze issues, and build your custom dispute plan. Takes just 2 minutes.
Transparent Pricing. No Surprises.
Select the membership plan engineered for your unique credit goals.
+ $34.95/mo SmartCredit monitoring
+ 4% card processing fee at checkout
- ✓Personal information update
- ✓Late payments challenged
- ✓Collections challenged
- ✓Charge-offs challenged
- ✓Hard inquiries challenged
- ✓Advertised fast-tracked service timeline of 30–90 days
- ✓Three-bureau dispute letters prepared on the client's behalf
- ✓FCRA and FDCPA-based dispute strategy
- ✓Credit-building guidance after disputes
- ✓Email and SMS status updates
- ✓Monthly progress reports and live score tracking
- ✓24/7 client portal access
+ $34.95/mo SmartCredit monitoring
+ 4% card processing fee at checkout
- ✓Bankruptcy records challenged
- ✓Repossessions challenged
- ✓Student loans challenged
- ✓Medical bills challenged
- ✓Child support records challenged
- ✓Everything included in Silver, plus public-record coverage
- ✓FCRA and Metro 2 compliance-based dispute strategy
- ✓Debt validation letters to collection agencies
- ✓Goodwill letter assistance for paid late payments
- ✓Credit utilization guidance and score optimization
- ✓Tradeline strategy consultation
- ✓Monthly progress reports and live score tracking
- ✓24/7 client portal access
+ $34.95/mo SmartCredit monitoring
+ 4% card processing fee at checkout
- ✓Comprehensive coverage of late payments, collections, charge-offs, repossessions, bankruptcies, student loans, medical bills, and child support
- ✓Done-for-you service
- ✓Dedicated credit specialist assigned to the client's case
- ✓Priority dispute handling
- ✓Identity theft resolution support
- ✓Rapid rescore coordination with lenders
- ✓Access to preferred funding partners and credit lines
- ✓Direct advisor access during business hours
- ✓24/7 VIP client portal and real-time score tracking
- ✓Exclusive lender and funding introductions, as described in the source offer
+ $34.95/mo SmartCredit monitoring
+ 4% card processing fee at checkout
- ✓Comprehensive dispute assistance across all three credit bureaus
- ✓Done-for-you service
- ✓Public-record issues addressed, including bankruptcies, repossessions, student loans, medical bills, and child support
- ✓Dedicated credit specialist assigned to the client's case
- ✓Priority dispute handling
- ✓Monthly progress reports and live score tracking
- ✓24/7 client portal access
- ✓Lifetime credit guidance
Required Fee & Cost Disclosures
SmartCredit Monitoring: Active credit monitoring through SmartCredit is an additional $34.95 per month, paid directly to SmartCredit, which is required throughout your dispute and guidance process to track all 3 credit bureaus.
Card Processing Fee: A 4% card processing fee is listed by the source website and assessed at checkout prior to authorizing any payment.
CROA Compliance & Legal Notice:
850 FICO CLUB is a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. Credit repair services cannot guarantee a specific credit score increase or the removal of any item. Results vary based on individual credit profiles and circumstances.
In full compliance with CROA, fees are collected only after contracted services have been fully performed. 850 FICO CLUB does not promise guaranteed deletions, guaranteed score increases, or guaranteed funding approvals.
Helpful Answers to Common Questions
We believe in transparency and clear communication. If your question is not covered here, our team is available to help.
Ready to Take the Next Step?
Choose the program that fits your needs or schedule a free consultation to discuss your credit profile and available options.