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Our Pricing Plan

$199

$129 Monthly

BASIC

  • Email and phone support
  • Progress dashboard with status updates
  • Monthly disputing
  • Draft and send credit disputes to applicable credit bureaus
  • Track bureau responses and deadlines
  • Escalate with follow-ups and reinvestigation requests as needed
  • No debt settlement included

Sign Up

$200 audit fee, non refundable.

$299

$199 Monthly

PREMIUM

  • Email and phone support
  • Progress dashboard with status updates
  • Monthly disputing
  • Draft and send credit disputes to applicable credit bureaus
  • Track bureau responses and deadlines
  • Escalate with follow-ups and reinvestigation requests as needed
  • No debt settlement included
  • Debt settlement
  • Creditor/collector validation letters when appropriate
  • Verify and validate collection debt
  • Review collection debt and validity of delinquency status
  • Prioritize targets based on risk, age, and settlement potential
  • Negotiate outstanding collection accounts and settle in lump-sum format
  • Obtain written settlement offer before paying and finalizing collection

Sign Up

$200 audit fee, non refundable.

Your Next Step

Right after you sign up to our plan, your next step is to sign up for a credit monitoring tool. This will help us monitor your credit score and plan out for the next steps on your credit repair journey. We have two options for credit monitoring tools you can choose from, please see below:

CREDIT HERO

  • Discover ways to improve your credit by getting access to all three credit reports and credit scores.
  • Monitor - Unlimited access to your credit reports and credit scores from all three bureaus
  • Protect - Daily monitoring alerts you to suspicious activity.
  • Achieve - Help you get approved and lower your interest

Disclaimer: We are not affiliated with Credit Hero. This recommendation is provided solely for your convenience and security awareness.

Sign Up Here

IDENTITY IQ

  • IdentityIQ (by IDIQ) offers identity theft protection and credit monitoring with alerts from major bureaus, dark web monitoring, and dedicated fraud restoration support—useful for proactive protection after breaches or suspected exposure.
  • For Lifeify customers: Consider IdentityIQ for faster alerts and hands-on assistance if unusual activity appears on your credit or personal data.
  • Plans vary (including 3‑bureau monitoring and access to FICO scores via MyScoreIQ). Choose the tier that matches your needs and budget, and review their terms and billing carefully.
  • Payment note: Do not use prepaid cards—IdentityIQ does not accept them for enrollment.

Disclaimer: We are not affiliated with Identity IQ. This recommendation is provided solely for your convenience and security awareness.

Sign Up Here

Build Credit With Confidence.

Move Into What Matters.

Clear, judgment-free guidance to get loan-ready for your next home.

Build Credit With Confidence.

Move Into What Matters.

Clear, judgment-free guidance to get loan-ready for your next home.