Simple, honest pricing

Start free. Pay only when you're ready for a tradeline. No contracts, no surprises — and guidance every step of the way.

Three ways to work with us

Whether you're just starting, ready to accelerate, or looking to earn from your good credit, there's a place for you here.

Free — always
$0
Upload your report, get your full analysis, and start taking real action — no payment needed, no waitlist.
  • Full AI credit report analysis
  • Personalized action plan with urgency tiers
  • AI-drafted dispute, goodwill, and validation letters — ready to print and mail
  • One upload per month after your sprint to track progress
  • Waitlist position with referral queue-jumping
  • Authorized user tradeline access
  • Sprint coaching and check-ins
Get started free
Most popular
1-Tradeline Sprint
$200/mo
For scores in the 650–700 range with a reasonable credit history. One established account adds the history your profile needs to break into the 700s — fast.
  • Everything in Free
  • 1 established AU tradeline (5+ years, low utilization)
  • Score moves on next bureau reporting cycle — typically 30–45 days
  • 3-month coaching window — AI guides you to build your own accounts while the boost is active
  • Monthly progress comparison — see exactly what moved and why
  • Tradeline replaced immediately if utilization changes
  • Provider graduation invite if your profile qualifies after sprint
Join waitlist — get analyzed free

Free analysis first. Payment starts when your tradeline is assigned.

2-Tradeline Sprint
$300/mo
For thin files, scores below 650, or profiles with multiple negative items. Two established accounts create the combined history and credit depth needed for bigger jumps.
  • Everything in Free
  • 2 established AU tradelines — double the positive history added
  • Score moves on next bureau reporting cycle — typically 30–45 days
  • Recommended when score gap to 680 is over 30 points or file is thin
  • 3-month AI coaching — dispute letters, account-building checklist, monthly check-ins
  • Either tradeline replaced immediately if anything changes
  • Provider graduation invite if your profile qualifies after sprint
Join waitlist — get analyzed free

Your free analysis tells you which plan you actually need.

Not sure which plan? Your free analysis tells you exactly which tier your profile needs — no guessing, no upsell.

What the 3 months actually buys you

You could technically get a score boost in one reporting cycle and cancel. The 3-month window exists because that's how long it takes to build enough of your own credit that the gains stay when the boost accounts come off.

1

Month 1 — The boost lands

Your tradeline reports to all 3 bureaus. Score moves on the next cycle. You get your updated analysis and the AI starts your coaching checklist — open a secured card, address high utilization, identify disputable items.

2

Month 2 — Your own accounts start reporting

The secured card or credit-builder loan you opened in month 1 now has a payment history. Your own accounts are being built. Disputes sent in month 1 may resolve. Your score is climbing from both directions.

3

Month 3 — You're ready to stand on your own

At day 75, your AI advisor runs a readiness check. Are your own accounts strong enough to sustain the gains? If not, you get specific actions to close the gap before the boost accounts come off.

Why this matters

Most people who just rent a tradeline for a month see their score jump — then slide right back when it comes off. The number changed, nothing else did.

The 3-month window is enough time to open 1–2 of your own accounts, get a payment cycle on record, and resolve at least one negative item. That's what makes the gain permanent.

We built the pricing around what actually works — not what sells.

A few things we want you to know upfront

We'd rather lose a sale than overpromise. Here's what's real.

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Results vary. Starting score, negative items, utilization, and how diligently you follow the action checklist all affect your outcome. The gains shown are from clients who followed the full strategy.

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We are not a credit repair organization. We provide educational guidance and prepare documents for you to review, sign, and send yourself. You are exercising your own rights — we're just making it easy.

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Your report is never stored. We read it, extract the insights, and it's gone. The analysis JSON is what we keep — never the document itself.

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The boost is a scaffold, not a solution. If you don't build your own accounts during the sprint, your score will soften when the tradelines come off. We tell you this upfront and coach you through it.

How we compare

Most tradeline companies sell you the boost and disappear. We built the guidance layer that makes the boost actually stick.

Feature Optimized Credit Typical tradeline co. Credit repair co.
Free credit analysis✓✗✗
AI-personalized action plan✓✗✗
Dispute & goodwill letters✓ you send them✗✓ they send them
Authorized user tradelines✓✓✗
Coaching to sustain gains✓ 90-day guided window✗✗
Monthly progress tracking✓✗Sometimes
Credit report ever storedNeverUsuallyYes
Typical monthly cost$0–$300$150–$1,500+$79–$199+

Common questions

How fast will I see my score change?
Once you're added to a tradeline, it reports to the bureaus on that card's monthly statement closing date. Most clients see the change reflected within 30–45 days — one reporting cycle. The exact timing depends on when in the month your tradeline's statement closes.
Is being added as an authorized user legal?
Yes. Being added as an authorized user to someone else's credit account is completely legal and has been a common credit-building strategy for decades. Spouses, parents, and family members do this routinely. We've structured the platform to match responsible cardholders with people who need a credit boost — nothing about it is questionable.
What happens when the tradeline is removed after 3 months?
If you've followed your action checklist during the 90-day window — opened your own accounts, addressed negative items, built payment history — your score should hold most of the gain. Your AI advisor runs a readiness check at day 75 and flags anything you still need to do before the tradeline comes off.
How do you decide which plan I need?
Your free analysis does the math. It looks at your current average score, how far you are from the 680 "prime" threshold, whether your file is thin, and what negative items are present. If the gap is under 30 points, you likely need one tradeline. Over 30 points or a thin file, you need two. The analysis gives you a specific recommendation, not a sales pitch.
Do you store my credit report?
No. Your report is uploaded, read by our AI in memory, and the file is immediately discarded. We store only the JSON analysis that was extracted — your scores, account summary, and recommended actions. The document itself is never written to disk.
What's the waiting list about?
We maintain a small, carefully managed portfolio of tradelines to ensure quality. When you sign up, you get full access to the free tools immediately. You're placed in the queue for a tradeline slot. Each person you refer moves you one position forward. When a slot opens, you'll be notified and can activate your sprint.
Can I cancel mid-sprint?
Yes. There's no long-term contract. If you cancel, your tradeline access ends at the close of the current billing month. Your free dashboard, analysis history, and letters remain accessible indefinitely.

Start with the free analysis

See exactly what's holding your score back and which plan — if any — your profile actually needs. Takes 60 seconds. Nothing stored. No commitment.

Get my free credit analysis