Invest in Your Financial Future
Choose the plan that fits your credit repair needs. All plans include full TSR & CROA compliance, 90-day money-back guarantee, and Rick Jefferson's personal expertise.
No hidden fees. No upfront charges. Cancel anytime.
Choose the plan that fits your credit repair needs. All plans include full TSR & CROA compliance, 90-day money-back guarantee, and Rick Jefferson's personal expertise.
Perfect for 1-5 negative items
No upfront fees • Instant access
Best for 6-15 negative items
Most clients choose this plan
Ideal for 15+ items or mortgage goals
Best value for complex cases
Already a client? Login to your client portal →
If we don't remove at least one negative item from your credit report within 90 days, we'll refund 100% of your money. No questions asked.
Try our service risk-free
Pay monthly, cancel anytime
95% of clients see improvements
See exactly what's included in each plan
| Feature | Basic $99/mo |
Professional $149/mo |
Premium $199/mo |
|---|---|---|---|
| 3-Bureau Credit Report Analysis | ✓ | ✓ | ✓ |
| Monthly Disputes | Up to 15 | Up to 30 | Unlimited |
| Bureau Dispute Letters | ✓ | ✓ | ✓ |
| Creditor Direct Disputes | ✗ | ✓ | ✓ |
| Collection Agency Disputes | ✗ | ✓ | ✓ |
| Monthly Progress Reports | ✓ | Bi-weekly | Weekly |
| Credit Education & Resources | ✓ | ✓ | ✓ |
| Email Support | ✓ | ✓ | ✓ |
| Phone Support | ✗ | Priority | VIP |
| Creditor Negotiations | ✗ | ✓ | ✓ |
| Goodwill Letter Campaigns | ✗ | ✓ | ✓ |
| Pay-for-Delete Negotiations | ✗ | ✓ | ✓ |
| Credit Building Guidance | ✗ | ✓ | ✓ |
| Identity Theft Recovery | ✗ | ✗ | ✓ |
| Mortgage Ready Program | ✗ | ✗ | ✓ |
| Legal Document Preparation | ✗ | ✗ | ✓ |
| Direct Access to Rick Jefferson | ✗ | ✗ | ✓ |
| Business Credit Building | ✗ | ✗ | ✓ |
| Rapid Rescore Services | ✗ | ✗ | ✓ |
| 90-Day Money-Back Guarantee | ✓ | ✓ | ✓ |
| TSR & CROA Compliant | ✓ | ✓ | ✓ |
| Choose Basic | Choose Professional | Choose Premium |
Everything you need to know about our pricing and services
No. Under the Credit Repair Organizations Act (CROA), we cannot charge any fees until services are fully performed. You pay monthly, and you can cancel anytime without penalty.
Yes. You can upgrade, downgrade, or cancel your plan at any time. If you cancel, you'll have access to services through the end of your current billing period. No cancellation fees apply.
If we don't successfully remove at least one negative item from your credit report within 90 days of enrollment, we'll refund 100% of your fees paid. No questions asked. This guarantee demonstrates our confidence in our proven process.
Most clients see initial results within 45-60 days. Complete credit repair typically takes 3-6 months depending on the number and complexity of negative items. The Mortgage Ready Program averages 90-180 days.
Basic ($99/mo): 1-5 negative items, limited budget
Professional ($149/mo): 6-15 items, most popular choice (45% of clients)
Premium ($199/mo): 15+ items, identity theft, or mortgage goals
Not sure? Schedule a free consultation and we'll review your credit report together.
Yes! Pay annually and save 20%:
Basic: $950/year (save $238)
Professional: $1,430/year (save $358)
Premium: $1,910/year (save $478)
Contact us to set up annual billing.
We accept all major credit cards (Visa, Mastercard, American Express, Discover), debit cards, and ACH bank transfers. All payments are processed securely through our encrypted payment system.
Couples discount: Add a second person to any plan for only $50/month additional (50% off). Both individuals get full service on their own credit reports.
Yes. Under federal law, you have the right to dispute inaccurate information directly with credit bureaus for free. Visit AnnualCreditReport.com or call 1-877-322-8228. However, our service provides expert strategy, legal knowledge, and proven tactics that significantly increase success rates.
All clients have direct access to our support team via email, phone, or our client portal. Professional and Premium clients get priority/VIP support with faster response times. Premium clients can contact Rick Jefferson directly.
Book a time to discuss your credit repair goals and get personalized plan recommendations
Fully licensed and compliant with all federal regulations
Pay monthly, no hidden charges or setup fees
100% money-back if no items removed in 90 days
Over 10,000 negative items successfully removed
Industry-leading results with proven strategies
No contracts, no commitments, no penalties
Choose your plan and start rebuilding your credit today. No upfront fees, no risk, just results.