You are welcome to contact us for a free consultation with no obligation. When you decide to move forward, your fee schedule is listed below.

We prepare an in-depth credit analysis to calculate and indicate areas of improvement for your credit score. With our specialized programming, we fine-tune individualized plans to improve current credit score in as little as 30 days! After your consultation we can start the process of your credit restoration and education and protect your newly acquired credit with our program options.

You will be required to maintain a credit monitoring service. We recommend Identity IQ. You’ll get your reports from all three credit reporting agencies as well as your score for a $1 seven day trial.

We look forward to working with you, Sincerely, Joan Kearns.

Detailed Credit Audit & Analysis – $Free (Normally $149)	Monthly Service with Client Portal $99.00*
Review your credit report for inaccurate items. Review of outdated accounts. Review your credit report for inaccurate personal information. Review accounts that can be made current. Review accounts with high credit utilization. Build a plan on how to fix information. Build a plan to raise your credit score. Build a plan to rebuild your credit score. Provide you with a detailed report of everything listed above. Consult with you over the phone regarding your detailed plan. Video training on how to raise your credit score. Training to rebuild your credit score.	Analysis and review of client file status. Receiving and processing manual updates. Respond and receive correspondence by mail or phone. Review client’s credit report updates to determine next steps. Create a strategic plan to assist clients in meeting their goals. Create and send dispute letters to creditors. Assist with budget and credit question/process. Provide ongoing credit education. Provide ongoing budget and spending recommendations. Provide clients with access to educational portal sites. Update clients with educational materials. Provide debt relief options.

* First Responders, Law Enforcement, and Military – 80.00 per month.

* Married Couple – $180.00 per month.

NOTE:  We do not charge for postage unless we have to send Certified Mail to 3rd Party Debt Collectors not original creditors.