Simple pricing.

Important: All pricing is proposed and remains subject to legal and compliance review under the Credit Repair Organizations Act, California's credit-services laws, and applicable advance-fee and payment-timing restrictions before any fees are offered or collected. Results first: you won't be billed a dime until our initial work is done. We spend 2 to 7 days reviewing your full credit profile, finding the reporting inaccuracies, and building a custom dispute strategy. If we find no errors, no questionable reporting, and nothing to improve, we tell you straight and you don't pay a penny. We only take on clients we can actually help. Your $99 monthly membership only starts after that work is complete (usually 24 hours to 7 days). Then it's $99 a month. You pay per deletion, only when items actually come off. It fixes the credit reporting. The reporting gets blocked or deleted. But it doesn't erase the underlying debt, and you can still be sued on it. That comes with education at each juncture: what's happening legally, how the errors persist, and how the investigation and verifying (or the lack of it) is why valid FCRA claims hold up. IdentityIQ (about $29/month, paid directly to IdentityIQ) is recommended for peace of mind and monitoring during the process, or you can pull your reports free from AnnualCreditReport.com and upload all three. No "credit sweep," and we never claim identity theft. Anyone promising 48-72 hours is selling identity theft, and that will hurt your credit down the road. We use trusted, true methods done right through the FCRA. We pull all three reports, find the errors and inaccuracies, and dispute the right way, which makes them verify the information. If they can verify it, we keep the account prepared and preserve the arbitration or litigation avenue. They have a duty to properly investigate a dispute. What they do, or don't do, matters in our process. Most items come off in 30-90 days, sometimes 120. The $2,500 Full Court Press presses one account from every angle. It's for when a lawsuit is being threatened. Built around your situation, start to finish. We figure out the right approach together and we're with you the whole way. Not legal advice — just info and assistance. The Full Court Press is ideal if you've just been served (within 30 days) or threatened with a lawsuit. The first 30 days after being served is crucial. It's best if you respond within 30 days. If you haven't, we can still help. The $2,500 is a business-service price, not an attorney's fee, court cost, or guarantee of any particular outcome. Point Guard Credit does not guarantee any particular outcome.