Transparent, Fair Pricing
Choose the credit repair option that fits your budget and needs. No hidden fees, no surprises.
Free DIY Guidance
Perfect for self-motivated individuals
- Access to educational resources
- Home-Ready Journey roadmap
- Basic progress tracking
- Sample dispute letter templates
- Community forum access
Guided Service
Professional support and guidance
- Everything in Free plan
- Professional dispute letters
- Monthly coaching sessions
- Creditor negotiations
- Gamified progress dashboard
- Priority customer support
- Townful.com referral bonus
Victory-Fee Structure
Only pay when we succeed
- $0 monthly fees
- $99 per successful deletion
- Professional dispute process
- Creditor negotiations
- Progress tracking
- No payment until results
Your Rights & Our Compliance
We operate in full compliance with federal and state regulations to protect your rights.
Federal CROA Protection
- No upfront fees until services are performed
- 3-day right to cancel after signing
- Written contract with all terms disclosed
- Right to cancel anytime without penalty
- Full disclosure of your rights
Michigan Compliance
- No state license required for credit repair companies
- Full compliance with Michigan CSPA
- Transparent pricing and fee structure
- No escrow or payment forwarding
- Consumer protection guarantees
Pricing FAQs
Are there any hidden fees?
No, we believe in complete transparency. All fees are clearly disclosed upfront, and there are no hidden charges or surprise fees.
When do I start paying?
Federal law prohibits upfront fees for credit repair. You only pay after we complete work on your behalf, such as sending dispute letters or completing coaching sessions.
Can I switch between plans?
Yes, you can upgrade or downgrade your plan at any time. Changes take effect at your next billing cycle.
What if I'm not satisfied?
We offer a satisfaction guarantee. If you're not happy with our service, we'll work to make it right or provide a refund for unused services.
How does the victory-fee structure work?
With victory-fee pricing, you pay $99 only when we successfully remove a negative item from your credit report. No removals = no fees.
Ready to Start Your Credit Journey?
Choose the plan that works for your budget and goals. No upfront fees, no long-term contracts.