Services overview
A complete toolkit for the credit-driven economy.
Credit Repair, Tradelines, and Business Funding — engineered together. Every strategy is grounded in consumer protection law and lender underwriting standards.
01 / Service
Credit Repair
Built around your rights under the FCRA, FDCPA, and related consumer protection laws. We challenge inaccurate, outdated, unverifiable, and improperly reported items — fast. Most clients see results within 1 to 21 days.
How the program works
01
Consultation & Audit
We pull a full tri-bureau report, sit down with you, and identify every item working against your score. You'll know exactly what we're going after and why.
02
Strategy & Dispute Rounds
We launch coordinated dispute rounds with the bureaus, original creditors, and collection agencies. Each round is tracked, documented, and escalated when needed.
03
Score Building
While we work the negatives, we coach you on building positive history — utilization, payment patterns, account mix, and the right tradelines.
04
Ongoing Monitoring
Credit isn't fixed once and forgotten. We monitor your file, catch re-insertions, and keep your score moving in the right direction.
01.1 / Credit repair
What we target
Every credit report is different. These are the categories we most commonly address — where the law and the data are on your side.
Late Payments
Inaccurate or unverifiable late marks dragging your score
Collections
Third-party debts that can be challenged or negotiated
Charge-Offs
Old delinquent accounts still impacting your file
Repossessions
Vehicle or property losses reported incorrectly
Bankruptcies
Verifiable through proper channels under FCRA
Judgments & Liens
Public records reported beyond legal limits
Hard Inquiries
Unauthorized or unverified pulls on your credit
Identity Theft Items
Fraudulent accounts opened without your consent
Student Loans
Improperly reported balances and statuses
Medical Debt
Subject to new reporting rules and protections
Important to know
We will never make false statements to the credit bureaus, dispute items we know to be accurate and verifiable, or guarantee a specific score increase. What we will do is fight hard, legally, and consistently.
01.2 / Credit repair
Choose your program
Two flagship engagements and three term-based programs. Every plan is paid one time and unlocks your private client portal — onboarding checklist, document center, dispute tracker, and direct messaging with our team.
Flagship
Essential
$1,500
One-time
Our signature open-ended repair engagement. We work your file until the results are real. Most files complete in 14–21 days.
- ·Full tri-bureau dispute rounds
- ·Bureau & creditor correspondence
- ·Score-building coaching
- ·Progress check-ins
- ·Typical completion: 14–21 days
White-glove
VIP
$2,500
One-time
Everything in Essential — plus tradelines, funding prep, and priority handling end-to-end. Most files complete in 7–14 days.
- ·Everything in Essential
- ·2 authorized-user tradelines
- ·Business startup & funding prep
- ·Priority handling
- ·Typical completion: 7–14 days
Term-based programs — by approval only
Our 3-, 6-, and 9-month engagements are reserved for strictly qualified clients only. Apply for approval below — no purchase without approval. Read the policy.
3-Month Program
$850
One-time
Expedited, aggressive 3-round cadence for clients who need movement fast.
- ·Expedited tri-bureau disputes
- ·Aggressive 3-round cadence
- ·Score-building roadmap
- ·Priority email support
6-Month Program
$750
One-time
A complete 6-month cycle with steady cadence and monthly reviews.
- ·Full 6-month dispute cycle
- ·Bureau & creditor correspondence
- ·Monthly progress reviews
- ·Credit education + coaching
9-Month Program
$550
One-time
Deep clean-up plus a long-term rebuild plan for a durable credit foundation.
- ·Extended 9-month program
- ·Deep clean-up + rebuild plan
- ·Quarterly strategy sessions
- ·Long-term credit foundation
Nothing in credit repair is guaranteed — it is illegal to guarantee credit results. Our services are conducted under the FCRA and FDCPA. Refunds are not issued after dispute letters are sent.
02 / Service
Tradelines
A tradeline is any account that appears on your credit report. The right tradelines, added at the right time, can dramatically reshape your profile — boosting your score, lowering utilization, and adding the depth lenders want to see.
Option A
Authorized User Tradelines
We place qualified clients on seasoned, high-limit credit accounts as authorized users. When the account reports, the full account history — age, limit, and payment record — typically appears on your file. One of the fastest legal ways to add positive history.
Best for
- ·Clients with thin files who need credit depth fast
- ·Borrowers preparing for mortgage, auto, or business funding
- ·Anyone with high utilization needing immediate relief
Option B
Primary Tradelines
Primary tradelines are accounts opened in your own name that report to the major bureaus. They become a permanent part of your credit history and build long-term score strength.
Best for
- ·Clients building a long-term credit foundation
- ·Entrepreneurs preparing for business credit stacking
- ·Clients who want accounts in their own name, not someone else's
Note — Tradeline placement is a powerful tool, but it's a tool, not a magic trick. We only recommend tradelines that fit your specific credit goal and timeline. Pricing varies by account age, credit limit, and reporting strength.
03 / Service
Business Funding
Most entrepreneurs don't fail because of a bad idea. They fail because they can't access the capital to execute. We solve that.
$50,000 — $250,000+
Unsecured business credit lines, credit cards, and revolving capital — often at 0% intro rates.
The funding process
01
Pre-Qualification
We review your personal credit, business setup, income documentation, and goals. If you're not fundable yet, we tell you — and lay out the shortest path.
02
Profile Optimization
Before any application, we make sure your credit profile, utilization, business entity, and digital footprint are positioned exactly the way lenders want.
03
Strategic Submission
We submit your applications in the right order, to the right lenders, at the right time. Random shotgun applying kills approvals. Strategy wins.
04
Stacking & Scaling
Once your first round closes, we plan the next. The goal isn't one approval — it's a funding stack that scales with your business.
The Workshop
The 52-Week Workshop — Choose Your Path
A complete year-long program covering credit, business credit, capital, and asset protection. Pick the tier that matches how you want to engage.
Foundation
Self-paced learning
or $470/year
- ✓All 52 weekly workshop replays
- ✓The Credit & Capital Playbook (ebook)
- ✓All worksheets, primary sources, sample artifacts, case law
- ✓Read-only community access
- ✓Cancel anytime
Workshop
The full live experience
or $970/year
- ✓Everything in Foundation
- ✓LIVE access to all 52 weekly workshops
- ✓Full community participation (post, comment, share)
- ✓Live Q&A every workshop
- ✓Monthly office hours
- ✓Submit questions in advance
Inner Circle
Direct access tier
or $2970/year
- ✓Everything in Workshop
- ✓Monthly 1-on-1 strategy call (30 min)
- ✓Private Inner Circle community channel
- ✓Priority support (24-hour response)
- ✓Quarterly Hot Seat sessions (small group)
- ✓First access to new products
- ✓10% off Guided Business Credit Build, 15% off Elite Build
- ✓1% off Capital Stack success fee
- ✓Annual event invitation
Inner Circle is application-based. After approval you receive a private checkout link.
Compare every feature
| Feature | Foundation | Workshop | Inner Circle |
|---|---|---|---|
| 52 weekly workshop replays | ✓ | ✓ | ✓ |
| Full ebook (Credit & Capital Playbook) | ✓ | ✓ | ✓ |
| All worksheets and resources | ✓ | ✓ | ✓ |
| Primary Sources Library | ✓ | ✓ | ✓ |
| Sample Artifacts Library | ✓ | ✓ | ✓ |
| Case Law Library | ✓ | ✓ | ✓ |
| Community access | Read-only | Full | Full + Inner Circle channel |
| LIVE workshop attendance | — | ✓ | ✓ |
| Live Q&A participation | — | ✓ | ✓ |
| Monthly office hours | — | ✓ | ✓ |
| Submit questions for Q&A | — | ✓ | Yes — priority |
| Quarterly synthesis workshops (live) | — | ✓ | ✓ |
| Monthly 1-on-1 strategy call (30 min) | — | — | ✓ |
| Private Inner Circle community channel | — | — | ✓ |
| Priority support response time | Standard | Standard | 24 hours |
| Quarterly Hot Seat sessions | — | — | ✓ |
| First access to new products | — | — | ✓ |
| Discount on Business Credit Services | — | — | 10% / 15% |
| Discount on Capital Stack funding fees | — | — | 1% |
| Annual event invitation | — | — | ✓ |
03.1 / Funding
Fees & Structure
Success-fee model. You pay nothing until funding actually closes and the capital is in your hands. No upfront funding fees. No games.
Example · $100,000 in approved funding
Approved Capital
$100,000
Funding Partner Fee (15%)
$15,000
Financial Freedom 101 Service Fee (5%)
$5,000
Total Fees
$20,000
Net Capital to You
$80,000
Fees are deducted at closing. You will not be asked to pay anything out of pocket.