The Personal Credit Builder Program Monthly Subscription

$250.00 PER MONTH

This is NOT your typical credit repair program. This is a strategic program intentionally designed to help you build and strengthen your personal credit profile and increase your access to funding products by focusing on profile strengthening activity. Detailed program information is available below. Before proceeding, please click HERE to read our privacy policy and HERE to read our terms and disclosures. If you have any questions, please schedule a consultation.

ENROLL FOR ONLY $250 PER MONTH

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WHAT SETS OUR PROGRAM APART?

We focus on helping you leverage your personal and business credit profiles for access to funding by building and strengthening the areas of your credit profile that lenders pay attention to the most. Although we do assist you in disputing incorrect and erroneous reporting, we do not waste time (or your money) in areas with little effect on your overall profile. We use a multifaceted approach that combines STRATEGIC REPAIR with INTENTIONAL BUILDING. Your personal plan will be tailored to your credit profile and your short and long term goals. 

DO YOU NEED TO BUILD YOUR PERSONAL AND BUSINESS CREDIT?

THE BUILDER PACKAGE: BUILD YOUR BUSINESS AND PERSONAL CREDIT

Do You Need to Strengthen Your Personal Credit AND Build Business Credit? The BUILDER Package includes 12 months of the Business Credit Builder Program and 6 months of the Personal Credit Builder Program with savings up to $500.

LEARN MORE ABOUT THE BUILDER PACKAGE

MORE ABOUT THE PERSONAL CREDIT BUILDER PROGRAM

UNDERSTANDING THE COST OF THE PROGRAM

There is an initial set-up fee of $250.00 due at the time of enrollment. There is a monthly program fee of $250.00 per month billed every 30 days after services begin.

HOW LONG WILL IT TAKE TO SEE RESULTS?

Our Program is designed to be 4-6 months. Some clients may require less time. Some may require more. Our program has a dual focus. Our primary focus is sharing strategic guidance on strengthening your credit profile based on where it currently stands. We focus on opportunities for you to build positive history within the data points considered to have the highest impact to lenders.  Our secondary focus is to ensure that information being reported on your profile is accurate, ethical and legal. 

We work strategically and intentional from the start. We strategize a personalized plan of action every 30 days based on the current status of your profile. We do not “slow pace” the process in order to keep our customers in the program and here is why you can trust that. One of the major differences between our personal credit builder program and many credit “repair” programs is that we have no interest or benefit in keeping you in this program longer than necessary. This service was specifically designed to help you increase your access to business funding and business credit products.

Our interests align with yours in wanting you to get to where you need to be in this program as soon as possible so that you can move into our primary services. You will only be in the program as long as it takes for us to support you in getting your personal credit profile where it needs to be. Our team is experienced, talented and hard-working. If you have questions ask. We want you to understand this process. We are in the business of building legacies. The transfer of information is s major part of that process. 

  • WHAT IS THE CANCELLATION POLICY? 

    You can cancel at any time. Service fees are charged after services are performed. There are no refunds on program payments that have already been made. If you choose to cancel, your program services will continue until the end of your current enrollment period and you will no longer be charged.

  • WHAT IS THE REFUND POLICY? 

    After 6 months of ACTIVELY participating in the program, we will provide a full refund if NONE of the following has occurred: If your credit score has not increased OR nothing has been removed from your report, OR your credit utilization has not improved by 10% or more. Failure to comply with the active participation standards immediately forfeits your right to a refund. 

  • ACTIVE PARTICIPATION DEFINED

    Six months of consecutive on-time program payments, maintaining an active credit  monitoring service membership, completing strategic action items within 5 business days, NOT initiating duplicate disputes of items we are working on, NOT initiating credit profile activity without prior consultation from our company. Failure to comply with the active participation standards immediately forfeits your right to a refund. 

     
ENROLL NOW FOR ONLY $250 PER MONTH

WHAT WILL BE EXPECTED OF ME IN THIS PROGRAM?

You will be expected to take action. The majority of this process will be done for you on our end. However, there may be communication, processes or actions that you are required to take, either for effectiveness or based on laws and regulations. Those actions will be clearly communicated to you and the quicker that you take action, the quicker we can move along in the process. 

DEFINITION OF ACTIVE PARTICIPATION 

Actively participating in the program is defined as six months of consecutive on-time program payments, maintaining an active credit  monitoring service membership, completing strategic action items within 60 business hours, NOT initiating duplicate disputes of items we are working on, NOT initiating credit profile activity without prior consultation from our company. Failure to comply with the active participation standards immediately forfeits your right to a refund. 

CREDIT MONITORING SERVICE 

You are also required to maintain a membership with a credit monitoring service that provides a detailed and updated credit reports and FICO scores across all three major credit bureaus every month. This is how we initiate, manage and monitor disputes, receive updated information to create monthly strategies and keep track of when your profile reaches the goal level. We have partnered with a monitoring company that meets the criteria and offers a reduced membership rate to our clients. The information to sign up with this company will be provided to you in your enrollment and onboarding forms. If you choose to use a different company, you must verify that it meets the requirements of the program standards. 

ADDITIONAL COSTS TO PLAN FOR?

The credit monitoring service is likely to have a monthly expense, typically between $29-$39 per month. We have partnered with a monitoring company that meets the criteria and offers a reduced membership rate to our clients. The information to sign up with this company will be provided to you in your enrollment and onboarding forms. If you choose to use a different company, you must verify that it meets the requirements of the program standards. 

DISCLOSURES AND LIMITATIONS

No Guarantee of Specific Results:

Our personal credit program is designed to provide personalized strategies to improve your credit profile. However, we cannot guarantee specific results as each individual's financial situation and credit history are unique. Outcomes may vary based on numerous factors, including but not limited to, the accuracy of information provided, adherence to the program's guidance, and external financial behaviors.

Personalized Process:

There are no typical results with our program due to the highly personalized nature of our services. Each plan is tailored to your specific needs and circumstances, which means that your experience and results may differ from those of other clients.

Effort-Based Fees:

Program fees are charged for the effort and expertise we invest in creating your monthly credit improvement plan. Lack of results does not warrant a refund as fees are based on the time and resources allocated to your plan.

Refund Policy:

Program services are billed one enrollment period (one month) in advance. You can cancel at any time. There are no refunds on program payments that have already been made. If you choose to cancel, your program services will continue until the end of your current enrollment period. At the end of your current enrollment period, your program services will end, and you will no longer be charged.

No Professional Financial or Legal Advice:

We are not financial consultants or attorneys. The information and guidance provided through our program are for educational purposes only and should not be construed as professional financial or legal advice. For specific financial or legal advice, please consult with a qualified professional.

Compliance with Laws and Regulations:

Our program complies with all relevant consumer protection laws and regulations, including the Truth in Lending Act (TILA) and the Fair Credit Reporting Act (FCRA)  (Consumer Financial Protection Bureau). We strive to ensure all disclosures are clear and conspicuous, in line with industry standards.


By agreeing to participate in our program, you acknowledge and accept these disclosures and limitations. 


ENROLL NOW FOR ONLY $250 PER MONTH

Still Have Questions?

If you aren't quite sure which program or service is right for you, we can figure that out together! If you have a few questions on what's best for you right now, this quick 10-15 minute call can help you get the clarity you need.

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