Know Exactly What's Hurting Your Credit. Know Exactly What to Do About It.
You've been staring at that score for months. You know something is wrong. You don't know what to fix first, what you can legally challenge, or what actually moves the needle.
We do. $97 $47 founding rate — first 10,000 clients only.
Use code FOUNDING47 at checkout. No subscription. Full refund if we can't find an actionable item.
Founding Rate — First 10,000 Clients
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Preparing to buy a home?
Most lenders require 620+. The gap between 620 and 740 can cost $40,000+ in interest over 30 years. We help you close that gap before you apply.
What You Get
Shadow Bureau Freezes
5 specialty bureaus most people have never heard of — LexisNexis, SageStream, Innovis, ARS, ChexSystems. We tell you exactly which to freeze and how. Free. Takes 30 minutes.
Negative Item Analysis
Every item on your report ranked by how fast it can be removed, resolved, or disputed — with a plain-English explanation of what it is and what you can do.
Pre-Written Dispute Letters
FCRA-compliant letters ready to print and mail. You sign, you send. No middleman charging $100/month to do what you can do yourself for free.
Pay-for-Delete Templates
Ready-made settlement letters that protect you before you pay a single cent. Never pay a collector without a written deletion agreement.
Authorized User Strategy
One of the fastest legal score boosts available. We tell you if it applies to your situation and exactly how to do it the right way.
90-Day Action Plan
Week-by-week milestones so you always know exactly what to do next. Not a generic checklist — built around your specific profile.
Every plan is reviewed by Devon White.
Licensed MN real estate advisor. I've sat across from buyers who couldn't close because of a reporting error they didn't know they had. I built this to fix that.
This is not a bot. I look at every report. I sign off on every plan.
Licensed MN Realtor · CreditFX · (218) 232-7635
How It Works
Sign up and pay $97
One-time flat fee. 60 seconds.
Tell us about your credit
A 5-minute intake form covers your negative items, goals, and timeline.
Receive your plan in 48 hours
AI-powered analysis, personally reviewed by Devon before it ships.
Questions
Is this legal?
Yes. You have the right to dispute inaccurate information under the Fair Credit Reporting Act (FCRA) at no cost. We help you understand your rights and build a plan to exercise them. We are educational consultants — not a credit repair organization.
Will my score definitely improve?
We don't guarantee specific score improvements — no one legally can. What we do is identify every item hurting your profile, tell you which ones you can legitimately dispute, and give you a prioritized action plan. Results depend on your situation and creditor responses.
What's the difference between this and Credit Karma?
Credit Karma shows you a number. We tell you exactly what's hurting it, what you can legally do about it, and walk you through each step. Credit Karma makes money recommending credit cards. We make $97 once and want you done as fast as possible.
What if I haven't pulled my credit report yet?
No problem. After signing up we'll tell you exactly how to pull your free reports at AnnualCreditReport.com. You can fill the intake form once you have them — takes about 10 minutes total.
What's your refund policy?
If we can't identify at least one actionable improvement opportunity in your credit profile, we'll refund your $97. No questions asked.
Stop guessing. Start fixing.
$47 founding rate for the first 10,000 clients. No subscription. No gimmicks. A real plan built for your specific situation, reviewed by a human before it ships.