Your credit score
Where you stand today, on both bureaus, no guessing and no obligation.
Pricing
One price.
Written down.
Guaranteed.
Two plans, one-time fee, three-month term. Monthly payment plans on both. No hidden fees, no subscription that runs for years, and a money-back guarantee written into your agreement.
The credit analysis is free with no obligation. You see the price before you pay anything.
The plans
Choose your credit sweep
The difference is not the quality of the work — it is volume and speed. A heavy file or a tight deadline needs the Aggressive plan.
Regular Credit Sweep
$599
One-time · 3-month term
Best for: mild to moderate issues — a few collections, some late payments, reporting errors and general file cleanup.
- 6 dispute rounds (Equifax & TransUnion)
- Personal information cleanup: name, addresses, employers
- Disputes on inaccurate, incomplete or unverifiable items
- Review of hard inquiries on your file
- Strategic, compliant dispute timing
- Monthly progress reports
- Email & SMS support
- Guidance and education throughout
- INCLUDED: our Budget & Debt Payoff Calculator
- INCLUDED: the credit guide, 10 Mistakes Costing Thousands
First updates: typically 30–45 days
Get started — $599
Most popular
Aggressive Credit Sweep
$899
One-time · 3-month term
Best for: heavy files and urgent goals — home purchase, auto loan, business funding, or several negative items at once.
- UNLIMITED dispute rounds during the term
- Rapid, escalated strategy on every item
- Direct communication with your creditors
- Advanced dispute techniques and sustained follow-up
- Priority personal information cleanup
- Priority handling on your file
- One-on-one strategy guidance
- Detailed monthly progress reports
- INCLUDED: our Budget & Debt Payoff Calculator
- INCLUDED: the credit guide, 10 Mistakes Costing Thousands
First updates: typically 10–20 days
Get started — $899
Results vary by individual file. Your personal information is protected at all times.
Side by side
The difference at a glance
| Feature | Regular · $599 | Aggressive · $899 |
|---|---|---|
| Dispute rounds | 6 total | Unlimited |
| Bureaus covered | Equifax + TransUnion | Equifax + TransUnion |
| First updates | 30–45 days | 10–20 days |
| Term length | 3 months | 3 months |
| Personal info cleanup | ✔ | ✔ Priority |
| Inquiry review | ✔ | ✔ |
| Direct creditor communication | — | ✔ |
| Creditor escalation | — | ✔ |
| One-on-one strategy | — | ✔ |
| Monthly reports | ✔ | ✔ Detailed |
| Support | Email & SMS | Priority — you go first |
| Budget & Debt Payoff Calculator | ✔ Included | ✔ Included |
| Credit guide (10 Mistakes) | ✔ Included | ✔ Included |
| Money-back guarantee | ✔ | ✔ |
| Payment plans | ✔ | ✔ |
Not sure which plan? Do not guess. The free analysis tells us exactly how many items are on your file and which ones are challengeable — and we recommend accordingly. Sometimes it is the $599, even when the client expected otherwise.
Payment options
Pay at once, or spread it out.
The price does not change with the option you pick. Monthly amounts are approximate and confirmed at sign-up.
| Option | Regular · $599 | Aggressive · $899 |
|---|---|---|
| Pay in full | $599 one-time | $899 one-time |
| 2 monthly payments | approx. $300/mo | approx. $450/mo |
| 3 monthly payments | approx. $200/mo | approx. $300/mo |
Included with both plans
We don't just clean the file. We hand you the tools.
The cleanup is our half of the work. Your half is paying on time and getting balances down — and both come down to cash flow. So we give you what you need to get there, at no extra cost.
The Budget & Debt Payoff Calculator
A spreadsheet built for Canada. You enter your numbers, it shows what's left over each month, then ranks your cards and loans to tell you which one to attack first. Send the tab back to us and we build your paydown order around it.
The credit guide
10 Credit Mistakes Costing Canadians Thousands — and the fix for each one. Statement date versus due date, the card you must not close, how to rate-shop without damaging the file, and the five Equifax tiers that decide the price of your money.
Both are yours to keep, whether you stay with us or not. The guide arrives when you enroll and the calculator lands after your first two weeks in the program.
Our guarantee
No item removed in 180 days? You get money back.
If we are unable to remove any negative item from your credit report within 180 days of enrolling, you receive a partial refund. There is also a Fair-Use Guarantee: if we cannot improve your profile or successfully challenge at least one item, you are eligible for a partial refund or service credit.
Three conditions, and they are reasonable
- 1. No new credit inquiries during the 180-day period.
- 2. No maxed-out credit cards during the 180-day period.
- 3. No new negative items caused by your own actions after enrolling.
These conditions exist because one new application or one maxed card can undo weeks of work. Failing them forfeits the guarantee. Full terms are in your service agreement, which you read before you pay.
Before you pay
Three things are free. Always.
01
02
Your negative item summary
The full list of what is costing you points, with what is challengeable and what is not.
03
Your recommended plan + the guide
Which plan fits your file, plus the free credit guide — and sometimes the answer is that you do not need us at all.
Client reviews
What people who already started say
★★★★★ Verified Google Reviews
Money-back guarantee
Payment plans available
Pricing questions
What people ask about cost
Are there hidden fees or a subscription?
No. It is a one-time fee of $599 or $899 for a three-month term, paid at once or across two or three payments. There is no monthly fee that runs indefinitely, no separate setup fee and no per-item charge.
What happens after the three months?
The term ends. If there is still useful work to be done on your file we will tell you, and you decide whether to continue. Nothing renews automatically.
Can I start at $599 and move up to $899?
Yes. If your file turns out heavier than expected or a deadline appears, you pay the difference and we switch to the aggressive approach. You do not pay for the plan twice.
Why pay if I can dispute for free myself?
You can, and for some files that is the right call. If you have two clear errors and time on your hands, do it yourself and keep your money — we will tell you so during the free analysis. What you pay for here is triage, documentation, tracking the regulated response windows, and following up with two bureaus who are in no hurry.
Is the payment secure?
Yes. Payments go through our secure processor and we never store your card details. You receive a receipt and a written service agreement.
Does this include car or mortgage financing?
Credit repair and financing coordination are separate services. Once your file is clean we connect you with our auto, mortgage and business funding partners — ask about the 90-Day Home Buying path if ownership is the goal.
Start with the free part
You do not have to pick a plan today. Take the free analysis, see what is actually on your file, then decide.