Credit Repair Package Options
Simple, transparent, and results-driven credit repair designed to fit your needs and budget. Track progress in your client portal and get personalized follow-ups by appointment.
Program Summary
At The Credit Specialists, our goal is to help you take control of your credit and finances through personalized, transparent programs.
Track Progress
Monitor your credit journey in your Client Portal
Monthly Action Plan
Simple steps to improve your credit each month
Personal Follow-ups
Book phone or Zoom appointments to stay on track
Flexible Options
Choose plans and add-ons that fit your goals
Essential Plan
$150 + $100/mo
Budget Option • 3-6 Months
- Up to 3–5 disputed items per round with all 3 credit bureaus
- Personal info & inquiry corrections
- Monthly Action Plan
- Progress review every 60 days
- Client portal access
- Personalized follow-ups
MOST POPULAR
Credit Builder Plan
$225 + $175/mo
6-9 Months
- Full disputes with all 3 bureaus
- Validation & escalated disputes
- Verification and updates with secondary credit reporting agencies (e.g., Innovis, LexisNexis)
- Pay-for-Delete assistance
- Targeted credit mix strategy
- Monthly Action Plan
- Client portal & follow-ups
- Optional positive payment reporting available to add new payment history to your credit profile
Flex Plan
$225 + $200/mo
Month-to-Month
- Same as Credit Builder Plan
- No long-term commitment
- Client portal access
- Personalized follow-ups
- Optional positive payment reporting available to add new payment history to your credit profile
Add-Ons
Enhance your results with optional tools and coaching to strengthen your credit and financial foundation.
Positive Payment Reporting
Setup Fee
$30 (one-time)
Processing Fee:
3% per reported payment
Your program payments can be reported as positive tradelines to the credit bureaus, helping you build credit while repairing it.
Benefits:
- Builds new positive payment history
- Strengthens credit profile consistency
- Reinforces on-time habits
Optional feature — not required for credit repair.
Tradelines Add-On
Pricing:
Varies per tradeline based on age and limit
Tradelines are existing credit accounts with strong payment history that can help improve your credit mix and age of accounts.
Benefits:
- Adds positive history to your credit report
- Improves credit mix & age of accounts
- Works alongside your credit repair program
Optional add-on, not required for credit repair.
Financial Peace Coaching Program
Pricing:
$99 per session (bundle discounts available)
One-on-one financial coaching built on Dave Ramsey’s 7 Baby Steps, led by a coach trained through Ramsey Solutions’ Financial Coach Master Training to help you eliminate debt, manage your money wisely, and build wealth with confidence.
Independent coaching service. Not investment or tax advice. The Credit Specialists LLC and its coaches are independent and not employees or agents of Ramsey Solutions.
Important Details
- Fees are charged only after your dispute letters are prepared and mailed
- Cancellation requires 30 days’ written notice (applies to all plans — see Cancellation Policy below)
- No long-term contracts or commitments required
- All plans include client portal access for progress tracking
- Personalized follow-ups available by phone or Zoom (by appointment only)
- All services comply with federal regulations
- Results may vary and are not guaranteed
Compliance Notice
The Credit Specialists LLC complies with all state and federal credit repair laws, including the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR).
Enrollment fees are billed only after your first dispute letters are prepared and mailed.
No guaranteed results or specific score increases.
Cancellation Policy: You may cancel within 3 business days of signing your agreement at no cost, as provided under CROA. After that, any plan may be cancelled with 30 days’ written notice. You are charged only for services already performed.
Results vary by individual credit profiles, timely client participation, and bureau responses. Add-ons (tradelines, coaching, positive payment reporting) are optional and not required for credit repair services.
