Repair Your Credit.
Pay Almost Nothing.
Start your 3-bureau credit monitoring for just $1 (7-day trial, credit or debit card required). After the trial it converts to $49.95/month — and our full credit repair service is included free the whole time.
How can we do it? We're an affiliate of the monitoring service — they pay us, not you. That's why the repair work costs you nothing extra.
A dollar to start. Almost nothing after that.
One dollar on your credit or debit card starts a 7-day trial of the monitoring service — Equifax, Experian, and TransUnion, reviewed with a real KC consultant.
The trial converts to $49.95/month on the same card. Real-time alerts, dashboard access, cancel anytime.
AI-drafted, consultant-reviewed disputes every cycle — bundled in at no additional cost to you.
We're an affiliate partner of the credit monitoring service. When you sign up through us, the affiliate pays us — not you. That's how we're able to offer the full credit repair service at no additional cost. You cover the $1 trial and the $49.95/mo monitoring; we cover the rest.
CROA-compliant: we do not charge upfront fees for credit repair work. You have a three-day right to cancel any service agreement. Monitoring subscription can be cancelled at any time through your dashboard.
AI-drafted disputes. Human review. Real results.
Software alone doesn't fix credit. Neither do generic template letters. Our dispute engine drafts every letter against three things at once — the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and Metro 2 reporting standards — then a real KC-based consultant reviews it before it ships.
- FCRA §611 dispute rights and reinvestigation timing
- FDCPA §809 debt validation on collections and charge-offs
- Metro 2 field-level format checks that catch furnisher errors
- Human consultant review on every letter before it leaves
- Real-time alerts on inquiries, balances, and new accounts
While we're working your file — do these, avoid those.
- Pay every bill on time — even minimums. Payment history is 35% of your score.
- Keep credit card balances under 30% of the limit (under 10% is better).
- Keep your oldest accounts open — length of history matters.
- Forward every letter, email, or bureau response to your consultant.
- Check your monitoring dashboard weekly for new alerts.
- Ask your consultant before applying for anything new.
- Don't close old credit cards — it shortens your history and spikes utilization.
- Don't apply for new credit, autos, or a mortgage without telling us first.
- Don't co-sign for anyone while we're actively disputing.
- Don't pay old collections without calling your consultant — it can reset the clock.
- Don't dispute directly with the bureaus on your own during our cycle.
- Don't cancel monitoring mid-cycle — that's what keeps the repair service active.
A clean credit file = the keys in your hand.
We measure success the way Kansas City families do — approvals, better rates, and the ability to say yes to the next chapter. Whether that's a first home in Olathe, a refi in Lee's Summit, or a business line of credit in the Crossroads, an accurate credit report is the foundation.
Meaningful lift in the first 30–90 days for most clients.
Late marks, collections, wrong balances, unauthorized inquiries.
Accurate, verifiable, compliant — line by line.
Four steps, mostly hands-off after step one.
- 01$1 trial + free audit
Start the 7-day monitoring trial for $1 on any credit or debit card. We pull your 3-bureau report and mark every disputable item.
- 02Trial converts to $49.95
After 7 days the monitoring subscription bills at $49.95/mo on the same card — that keeps the full repair service unlocked.
- 03We dispute, on cycle
AI-drafted, consultant-reviewed disputes go out every reporting cycle — at no additional cost to you.
- 04Watch your file clean up
Track progress in your dashboard, get alerts, talk to your consultant anytime. Cancel monitoring whenever you want.
Local to Kansas City — on both sides of the state line.
Headquartered in KC and working with clients across the entire metro — Missouri and Kansas. Same time zone, same lender landscape, same market you're borrowing in.
Straight answers.
How does the $1 trial work?
You start with a 7-day trial of the three-bureau credit monitoring service for $1, charged to any credit or debit card. After the 7 days, the subscription automatically converts to $49.95/month on the same card. You can cancel anytime from your dashboard.
Is credit repair really free with credit monitoring?
Yes. We're an affiliate partner of the credit monitoring service — the affiliate pays us when you subscribe, so we can offer our full credit repair service at no additional cost to you. You pay $1 to start the monitoring trial and $49.95/month after. The dispute and repair work is included.
How long does credit repair take?
Most clients see meaningful movement in the first 30–90 days. A full cycle typically runs 3–6 months depending on how many items we're disputing and how the bureaus and furnishers respond.
Is what you do legal?
100%. Every dispute we draft is grounded in the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and Metro 2 reporting standards. We follow the Credit Repair Organizations Act (CROA) — no upfront fees for repair work, written contract, and a three-day right to cancel.
Can you guarantee a specific score increase?
No ethical credit repair company can promise a specific number, and federal law prohibits it. What we can promise: accurate, aggressive, compliant disputes on every questionable item, and a real human consultant guiding your file from start to finish.
Pay Almost Nothing. Start with $1.
One dollar pulls your three-bureau reports. Keep monitoring at $49.95/mo and the full repair service comes with it. One of the only places you can get free credit repair with the purchase of your credit report monitoring services.