Operation True 3 Month Plan
Includes:
- 3 Bureau Fast Track Repair
- Inquiry Removal
- 24/7 Client Portal
- Credit Education
- Rebuilding Plan
The Real Underdog Exceeds.The Real Underdog Exceeds.The Real Underdog Exceeds.The Real Underdog Exceeds.
More Approvals.
Lower Rates.
Zero Excuses.
Collections, charge-offs and reporting errors are the reason the approvals keep coming back no. We challenge every item that can't be verified across Experian, Equifax and TransUnion — three full months of work for one payment of $147.
- 3 Bureau Fast Track Repair
- Inquiry Removal
- 24/7 Client Portal
Requires a credit monitoring subscription, billed by the monitoring provider.
What We Do
We go after what moves the score fastest:
- Collections and charge-offs
- Late payments reported in error
- Repossessions and deficiency balances
- Unauthorized hard inquiries
- Medical debt outside reporting rules
- Public records and mixed-file errors
This service is for people ready to:
- Stop getting denied
- Qualify for a mortgage or auto loan
- Get approved for business funding
- Cut the interest rate they're being offered
- Stop paying $99 a month forever
We do not remove accurate, current, verifiable information — and no company legally can.
Choose Your Plan
The Real Underdog Exceeds.The Real Underdog Exceeds.The Real Underdog Exceeds.The Real Underdog Exceeds.
How It Works
Step 1:
Enroll, set up credit monitoring, and send us access. That's everything you have to do.
Step 2:
We audit all three reports, mark every challengeable item, and file with the bureaus and the furnishers reporting the debt.
Step 3:
Bureaus have 30 days to verify or delete. You watch removals land in your dashboard, and whatever survives gets escalated next round.
Frequently Asked Questions
Is $147 really the entire cost?
Yes. One payment covers all three months. The only other expense is the credit monitoring subscription, which you pay directly to that provider.
Can you remove all negative items?
No, and nobody can legally promise that. What we commit to is a full review of all three reports and a challenge on every item eligible under consumer protection law.
When will I start seeing results?
Every file is different. Once a dispute is filed, the bureaus have 30 days to respond, and changes show up in your portal as they come back.
Will disputing hurt my credit?
No. Filing a dispute doesn't lower your score. Removing or correcting inaccurate negative information usually helps it.
What do I need to provide to start?
A valid photo ID, proof of address, and access to your credit monitoring. That's it.
Real Clients. Real Results.
Actual client screenshots. Individual results vary based on the contents of each credit file.
Two collections and a repossession came off in the first round. I stopped dreading the notifications.
I spent a year paying another company $99 a month for nothing. This cost less than two of those payments.
They told me which accounts weren't going anywhere instead of selling me a fantasy. Closed on the house in March.
Ready To Clean It Up?
Better credit is the difference between being told no and choosing between offers.
- More approvals
- Better rates
- Real leverage
- Room to move