For clients with 3 or fewer negative items, we offer a simplified, pay-per-deletion option — designed for those who don't need a full program but want targeted help removing specific items.
$197 one-time setup fee required to begin the process
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Audit & Review
We review your report and identify eligible items that qualify
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Escrow Funds
Per-deletion fees placed in secure escrow — protected while work is performed
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Pay for Results
Funds applied only as items are successfully removed — limited to 3 or fewer items
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This service is limited to 3 or fewer negative items. It is a focused, targeted approach — not a full credit strategy program. For more than 3 items or goal-based improvement, our full Credit Optimization Programs are recommended.
Per Item · Per Bureau
Pricing Per Item (Per Credit Bureau)
Pricing applies per item, per bureau (Equifax, Experian, TransUnion)
Item Type
Per Deletion / Per Bureau
Personal Information (Incorrect / Outdated)
Misspelled names, incorrect addresses, etc.
$10
Late Payments
$50
Medical or Unsecured Collection Accounts
$50
Charge-Off Accounts
$50
Note: Not all items may qualify — eligibility is determined during audit. This option does not include full credit-building strategy, coaching, or optimization planning.
Peace of Mind
Secure Escrow Protection
All pay-per-deletion funds are placed in a secure escrow account — ensuring payment is protected while work is being performed.
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Funds Held Securely
Funds are securely held at the start of service — only applied as items are successfully removed.
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Results-Based Payment
You only pay for verified results. Work begins immediately while your funds remain protected.
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6-Month Window
Process designed to complete within 6 months. Unapplied funds returned minus mailing and processing costs.
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Continuation Option
Clients may continue beyond 6 months if needed — continuation terms outlined prior to extension.
Important Notes
•Mailing, processing, and admin costs are non-refundable
•Not all items qualify — all subject to audit and compliance review
•Client participation may impact timelines and outcomes
•Pricing based on per item, per credit bureau
Common Questions
Pay-Per-Deletion & Escrow FAQ
It's a simplified service for clients with 3 or fewer negative items who want targeted removal without enrolling in a full credit optimization program. You pay a $197 setup fee upfront, and per-deletion fees are only charged when items are successfully removed.
Per-deletion funds are placed in a secure escrow account before work begins. As items are successfully removed, those funds are applied. This ensures you only pay for verified results while giving us the ability to start immediately.
Escrow protects both parties. Your funds are held securely while work is being performed, and you can trust that payment will only be collected for actual, verified removals.
Any funds associated with items not removed within the 6-month service window are returned to you, minus applicable mailing and processing costs.
Yes. Clients may continue beyond the initial 6-month window. Continuation terms must be outlined and agreed to before extending the service period.
No — results are never guaranteed. Item removal depends on the accuracy of reporting, bureau response, and compliance eligibility. All items are subject to review before the service begins.
Personal information errors, late payments, medical/unsecured collection accounts, and charge-off accounts may qualify, subject to audit. Items tied to open accounts in good standing typically do not qualify.
Pricing is per item, per credit bureau. For example, one late payment appearing on all 3 bureaus would be $50 × 3 = $150 total for that item.
Yes. The $197 setup fee and any mailing, processing, or administrative costs are non-refundable, regardless of outcome.
This program is limited to 3 or fewer items. If you have more than 3 negative items — or if you're working toward a goal like homeownership or funding — we strongly recommend our full Credit Optimization programs for stronger, faster, and more complete results.
If you have a small number of specific items to address and don't need a full strategy, this is a great fit. If you have multiple items, a score goal, or are working toward approval for a home or funding, a full program will serve you much better. Our team can guide you during the initial consultation.
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Have More Than 3 Items — or a Bigger Goal?
If more than 3 items are reporting — or if you're working toward homeownership or funding — our full Credit Optimization programs deliver stronger, faster, and more complete results.
