Individual, non-refundable (enrollment): $185 first month; $135 each month after Couple, non-refundable (enrollment): $360 first month; $320 each month after Personalized dispute strategy Bureau and creditor challenges (credit analysis) Basic credit-building and utilization guidance Monthly progress updates Comprehensive dispute coverage across bureaus, creditors and collectors Debt validation support Tailored credit-building roadmap Financial habit guidance Advanced challenges for collections, charge offs, inquiries & more Customized credit building blueprint Financial coaching and credit milestone planning Assistance identifying positive tradeline opportunities (legally compliant methods only)