Pricing
Transparent Pricing, No Surprises
Every engagement begins with a free consultation. No payment is collected until all your questions are answered and you're confident we're the right fit. Our pricing is straightforward — no hidden fees, no recurring charges.
Individual
Credit Optimization
Comprehensive credit optimization across all three bureaus for a single individual.
Couple
Credit Optimization
Optimize both partners' credit profiles together. Ideal for couples preparing for a joint purchase.
Individual
Optimization + Funding
Credit optimization plus capital acquisition assistance. The complete package for individuals.
Couple
Optimization + Funding
The complete package for couples — credit optimization and capital acquisition for both partners.
Our Guarantee
Capital Acquisition — Fully Refundable
If we are unable to help you secure funding through our capital acquisition assistance service, the funding assistance portion of your fee is fully refunded. We believe in earning our fee through results, not promises.
* The refund guarantee applies only to the capital acquisition assistance portion of the fee. Credit optimization fees are non-refundable as the work is performed regardless of funding outcomes. Funding decisions are made by third-party lenders based on their own criteria.
Common Questions
Before You Decide
Do I have to pay before the consultation?
Absolutely not. Your consultation is completely free with no obligation. We answer all your questions first, and you only pay if you decide to move forward.
What's the difference between a rapid rescore and full optimization?
A rapid rescore is a targeted, quick-turnaround service designed for clients in the mortgage pipeline who need to qualify soon. Full optimization is a comprehensive process that addresses all items across all three bureaus for maximum improvement.
Can I start with optimization and add funding assistance later?
Yes. You can enroll in credit optimization first and add capital acquisition assistance at any time during or after the optimization process.
What do I need to get started?
After enrollment, you'll sign up for MyScoreIQ through our link to pull your 3-bureau credit reports. You'll then send those reports to our team so we can begin the analysis and optimization process.
How long does the process take?
Timelines vary based on each individual's unique credit profile. Rapid rescores are designed to work within mortgage timelines. Comprehensive optimization typically takes several months, depending on the complexity of the items being addressed.
Ready?
Your Free Consultation Awaits
No pressure. No obligation. Just a conversation about how we can help you achieve your financial goals.
Schedule Free Consultation