PAST
Repair what is wrong on the record
Inaccurate, duplicated, mixed, or outdated items are the ones a dispute can challenge. A true late payment is not one of them.
Credit repair
A plan for the file you actually have.
Start with a free analysis, or sign in and pay for a plan on a secure checkout. Then upload a driver’s license, Social Security card, and a bill. Card numbers are never typed on this site. Nothing here promises a score.
01 — THE WORK
Past, present, and the next file.
The same three jobs, in that order. Disputes come after the reports, not before them.
PRESENT
Steady how the file is used now
Utilization, on-time payments, and which accounts stay open are present-tense decisions. A dispute letter does not replace them.
NEXT
Shape the file you want later
Business credit setup and personal habits are how a cleaner file stays useful. They are not a promise of funding.
02 — WHY A SERVICE
Four things the work is for.
Someone who reads reports
The work is knowing which line is an error, which is a duplicate, and which is accurate and has to age off on its own.
Time you do not spend on follow-up
Bureau and furnisher mail is slow and repetitive. A service can carry that follow-up after a contract is in place.
A score is an outcome, not a product
Removing real errors can change a score. It also might not. Better rates, if they come, come from a lender, not from this page.
Education you keep
On-time payments and a lower balance are the part that still matters after the disputes stop.
01
Free analysis
You tell us the file in front of you. We say which plan fits, and which items you can dispute yourself for free.
02
Pay on the secure checkout
Create an account, then pay on Stripe’s page. The license, Social Security card, and bill stay locked until that payment is confirmed. A written contract still includes a right to cancel.
03
Disputes, then habits
Inaccurate items are disputed with the bureaus and furnishers. Accurate items generally stay. Education is how the file stays cleaner.
FREE ANALYSIS
See the file before you buy a plan.
No card is charged here. The request is saved in this browser so you can copy it or email it.
03 — PLANS
Flexible plans. Posted prices.
A monitoring subscription and one service plan are how this kind of work is usually packaged. You can request either, or both. You can also do the free bureau disputes and never hire anyone.
3-bureau monitoring
$31.99
first month
The first month is collected on the secure checkout. It is not a repeating charge from this website.
- Equifax, Experian, and TransUnion reports
- A score from each bureau
- A new report about every 30 days
- Many providers offer a short trial before the monthly price
Inquiries
$500
one-time fee
For a file whose main problem is hard inquiries.
- Inquiry verification
- Disputes aimed at inquiries that look wrong
- A watch for new inquiries
- Guidance on which inquiries are ordinary
- Credit education for the months after
Business credit
$750
one-time fee
Setup for a business file. No score target and no funding amount is promised.
- Naming the business and choosing a structure
- EIN and D-U-N-S number steps
- Business phone, email, address, and website
- Listing the business
- A look at trade lines that may support financing
Tier 1
$1,000
one-time fee
A lighter personal file: inquiries plus the account items below.
- Everything in the Inquiries plan
- Slow pays on loans and cards
- Collections
- Charge-offs
- Credit education
Tier 2
$1,500
one-time fee
A mixed file. Adds public-record style items that are not a bankruptcy.
- Everything in Tier 1
- Repossessions
- Evictions
- Federal and state liens
Tier 3
$2,000
one-time fee
The thickest personal file, including bankruptcy and foreclosure items.
- Everything in Tier 2
- Bankruptcy, any chapter
- Foreclosures
Monitoring is a third-party subscription for the three bureau reports. The first month is charged on the secure checkout with the plan you pick. Service fees are not typed into a card form on this website.
04 — QUESTIONS
Before you request a plan.
What is credit repair?
It is the work of reading your reports, disputing items that look inaccurate or incomplete, and building habits that keep new damage off the file. It is not a new identity, and it is not a way to hide history you know is true.
How does a service do that work?
Reports first. Then a written list of items to challenge, sent to the bureaus and sometimes to the company that furnished the item. Education sits beside the letters. ABBA Financials will not ask you to dispute an item you know is accurate.
Can you guarantee a deletion or a score?
No. Nobody honest can. Results depend on what the reports actually say and on how the bureaus and furnishers answer. Accurate negative information can stay for the period federal law allows.
How long does it take?
Bureaus generally have 30 days to investigate a dispute. A thin inquiry file can move in a couple of cycles. A file with collections, a bankruptcy, or a foreclosure takes longer, and some items will not move at all.
Is this legal?
Yes. Disputing inaccurate information is a right under the Fair Credit Reporting Act. You can do it yourself for free. Hiring help is also legal when the company follows the credit-repair rules, including a written contract.
Why are there three tiers with different prices?
The price follows how much of the file the plan covers. Inquiries are the narrow plan. Tier 1 adds slow pays, collections, and charge-offs. Tier 2 adds repossessions, evictions, and liens. Tier 3 adds bankruptcy and foreclosure. Business credit is a separate setup, not a personal-file tier.
Do I have to buy the $31.99 monitoring?
You need current reports from all three bureaus. The $31.99 on this site is the first month, taken on the secure checkout. It does not keep charging the card from this website. You can also pull the reports yourself.
Request a plan or a free analysis
Pick the plan the prices above already selected, or leave it on the free analysis. Sending this does not enroll you, does not charge you, and does not guarantee a deletion or a score change.