Simple monthly pricing.
Real results.
Flat monthly billing — charged only after your first 30 days of active work. No advance fees, no setup costs, no surprises. CROA compliant.
Choose your path to
a better score
All monthly plans require Smart Credit monitoring (~$30/mo, billed directly to you). Service fees are billed in arrears — after each 30-day period of active work.
DIY Credit Roadmap
- Free consultation included
- Goal-specific plan: home, car, business & more
- Timeline slider — 1 to 12 months
- Dispute letters written for your specific items
- Month-by-month action calendar
- Delivered within 48 hours of consultation
Credit Repair — Standard
- Full 3-bureau credit report audit
- FCRA § 1681i dispute letters — we send them
- Bureau + creditor correspondence each round
- FDCPA § 1692g debt validation requests
- Metro 2 compliance escalation as needed
- Monthly written status update
- Credit education & score rebuild guidance
- Client portal access (CreditFixrr)
Credit Repair — Priority
- Everything in Standard, plus:
- Priority dispute processing & faster turnaround
- Business credit building guidance
- EIN & DUNS setup walkthrough
- Net-30 vendor roadmap (Tier 1–3)
- Paydex score building strategy
- Business credit card qualification path
- Monthly funding readiness check
Business Credit Building
- EIN & DUNS registration guidance
- Net-30 vendor roadmap (Tier 1–3)
- Paydex score building strategy
- Business credit card qualification path
- Monthly funding readiness assessment
- Monthly progress reporting
No fees are charged in advance. All service fees are earned only after contracted services are fully performed for that billing period. Read the CROA disclosures →
Side-by-side breakdown
| Feature | DIY Roadmap | Standard | Priority | Business Credit |
|---|---|---|---|---|
| Monthly fee | $20 once | $97/mo | $149/mo | $199/mo |
| Advance fees | None ✓ | None ✓ | None ✓ | None ✓ |
| Billed after service performed | ✓ | ✓ | ✓ | ✓ |
| Full 3-bureau audit | ✓ | ✓ | ✓ | — |
| ACT Services sends letters | You send | ✓ | ✓ | — |
| 3-round dispute strategy | ✓ | ✓ | ✓ | — |
| FDCPA debt validation | ✓ | ✓ | ✓ | — |
| Metro 2 escalation | — | ✓ | ✓ | — |
| Monthly written status report | — | ✓ | ✓ | ✓ |
| Priority processing | — | — | ✓ | — |
| Business credit building | ✓ roadmap | — | ✓ | ✓ |
| Net-30 vendor roadmap | — | — | ✓ | ✓ |
| Paydex score strategy | — | — | ✓ | ✓ |
| Funding readiness assessment | — | — | ✓ | ✓ |
| Client portal access | — | ✓ | ✓ | ✓ |
Exactly how you
get charged
Step 1 — Sign Your Agreement
You receive a CROA-compliant service agreement and consumer rights disclosure. You have 3 business days to cancel with no charge — ever.
Step 2 — We Work Your File
ACT Services audits your reports, prepares dispute letters, and begins the first round. You get a monthly update showing every action taken.
Step 3 — Billed After 30 Days
After each completed 30-day service period, your monthly fee is charged. No payment is ever collected before work is performed — that is federal law and our standard.
Your first step
costs nothing.
Book a free 30-minute consultation. Tony will review your credit situation, identify every disputable item, and tell you exactly what to expect — no pressure, no obligation.