Monthly Plans
Plans Built Around Your Situation
No cookie-cutter plans. The right package depends on how many tradelines, lates, and collections are on your report. Start with a free consultation and Michael will tell you exactly which plan fits.
Start With a Free Consultation
Bronze Plan
Best for: A few late payments, building a plan
Monthly credit monitoring and coaching. Ideal for clients with a few late payments who need a clear plan and light ongoing support.
- 3-bureau credit monitoring
- Monthly strategy check-in call
- Dispute letter templates
- Score tracking & reporting
- Email support
Silver Plan
Best for: Multiple lates or a few collections
Full dispute management, monthly strategy sessions, and ongoing credit coaching.
- Everything in Bronze
- Done-for-you dispute letters
- Monthly 1-on-1 with Michael
- Creditor follow-up tracking
- Debt utilization coaching
- Priority email & phone access
Gold Plan
Best for: Heavy collections, mortgage readiness
Comprehensive hands-on credit restoration with priority access, done-for-you disputes, creditor negotiation, and mortgage readiness coaching.
- Everything in Silver
- Creditor negotiation support
- Mortgage readiness preparation
- Unlimited credit report reviews
- Bi-weekly strategy sessions
- Dedicated case management
Platinum — Custom Pricing
For complex cases — heavy collections, multiple tradelines, mortgage readiness, or situations that need a fully custom approach. Pricing is determined after the full 60-minute report review so Michael can scope the work accurately.
Not Sure Which Plan Is Right for You?
Bronze
A few late payments, no collections, score above 580
Silver
Multiple lates, 1–3 collections, score between 500–580
Gold
Heavy collections, judgments, or mortgage readiness needed
Still not sure? Start with the free consultation and Michael will tell you exactly which plan fits your situation.