Credit Repair Memberships — Pretty Basic Consulting Co.
Membership Plans

Find the Plan That Fits You

Stay flexible month to month, or choose a 3- or 6-month membership with one onboarding payment that covers your full term. Same care, same team, same results-focused process.

No Commitment

Month-to-Month

Full credit repair support with the freedom to cancel anytime.

$99/ month

+ $197 onboarding work fee.
Billed monthly after onboarding. Cancel anytime.
Credit monitoring required, billed separately.

  • Full 3-bureau credit report review
  • Personalized credit restoration plan
  • Monthly dispute rounds (Equifax, Experian, TransUnion)
  • Client portal with progress tracking
  • Credit education resources
Start Month-to-Month
Most Popular
3-Month Membership

The Reset

A focused 90-day push to clean up your report and build real momentum.

$367onboarding

Covers your full 3-month membership.
Credit monitoring required, billed separately.

  • Everything in Month-to-Month
  • Collections, charge-offs & late payment challenges
  • Hard inquiry & personal info cleanup
  • Monthly progress check-in call
  • Credit building roadmap
Start the 3-Month Plan
Best Value
6-Month Membership

The Full Glow-Up

Deep restoration plus credit building, so you're ready for your next big approval.

$647onboarding

Covers your full 6-month membership.
Credit monitoring required, billed separately.

  • Everything in the 3-Month plan
  • Priority dispute processing
  • Tradeline & credit mix strategy
  • Funding & approval readiness review
  • Bi-weekly check-ins with your specialist
  • Budget & debt payoff planning session
Start the 6-Month Plan
Credit monitoring is required

An active credit monitoring subscription is required for the full length of your membership, on every plan. It's billed separately from your membership and lets us pull updated reports from all 3 bureaus to track your progress and plan each dispute round.

Every Membership Includes

Real Work.
Real Transparency.

Your credit score is not your identity — but it is affecting your opportunities. No matter which plan you choose, you get a team that explains what we're doing, why we're doing it, and what to expect next.

  • Dedicated credit specialist who knows your file
  • All 3 bureau dispute management
  • Secure client portal to upload documents & track updates
  • Credit monitoring guidance
  • Education so you can keep your credit strong after we're done
From Stuck
to Stellar
Real results, realistic timelines — no gimmicks, no gatekeeping.
3
Bureaus Covered
1:1
Dedicated Specialist
24/7
Portal Access
50
States Served
How It Works

Your First 30 Days, Step by Step

Here's exactly what happens after you join — no guesswork.

01

Choose your plan

Sign up online and complete your onboarding forms in your client portal.

02

We review your reports

Your specialist pulls apart all 3 bureau reports and flags every item worth challenging.

03

Get your plan

We walk you through your personalized restoration plan and realistic timeline.

04

Disputes begin

Dispute rounds go out and you track every update and response in your portal.

Compare Plans

See It Side by Side

Feature Month-to-Month 3-Month 6-Month
Onboarding$197 work fee$367$647
Monthly membership$99IncludedIncluded
Membership lengthCancel anytime3 months6 months
Credit monitoring (required)Billed separatelyBilled separatelyBilled separately
3-bureau disputes✓✓✓
Personalized restoration plan✓✓✓
Client portal & tracking✓✓✓
Inquiry & personal info cleanup✓✓✓
Specialist check-insMonthlyMonthlyBi-weekly
Credit building roadmap✓✓✓
Funding readiness review——✓
Budget & debt payoff session✓—✓
Questions

Before You Join

Which plan should I choose?
If you have a few negative items and want flexibility, start month-to-month. Most clients see the most value from the 3-month plan. If you're preparing for a big purchase like a home or car, the 6-month plan gives you time to repair and build. Not sure? Book a free consultation and we'll tell you honestly.
When will I be charged?
Month-to-month members pay a $197 onboarding work fee, then $99 per month. The 3-month ($367) and 6-month ($647) memberships are paid at onboarding and cover your full term. Credit monitoring is billed separately by the monitoring provider.
Why is credit monitoring required?
We need up-to-date reports from all 3 bureaus to see what's changed, confirm results, and plan each new dispute round. Your monitoring must stay active for the full length of your membership. It's billed separately and isn't included in your membership price.
Can I cancel?
Month-to-month can be canceled anytime. 3- and 6-month memberships are paid at onboarding and cover your full term. Every client also has the right to cancel within 3 business days of signing, at no cost.
How long until I see results?
Bureaus generally have 30 days to respond to each dispute, so most clients start seeing updates after the first one or two rounds. Every credit file is different, and we'll give you a realistic timeline after reviewing your reports.
Can you guarantee my score will go up?
No one can legally guarantee a specific result, and you should be wary of anyone who does. What we guarantee is the work: accurate reviews, consistent disputes, clear communication, and education to keep your credit healthy.
Can I upgrade my plan later?
Yes. You can move from month-to-month to a 3- or 6-month membership at any time and we'll walk you through the switch.

Ready to Get Started?

Choose your membership today, or book a free 30-minute strategy session and we'll help you pick the right plan.

Choose Your Plan Book A Consultation

Disclosure: Pretty Basic Consulting Co. does not guarantee any specific outcome or increase in credit score. Results vary based on each client's credit history. You have the right to dispute inaccurate information on your credit report yourself, at no cost, by contacting the credit bureaus directly. You may cancel your contract without penalty or obligation within 3 business days of signing. Credit monitoring is required for the duration of your membership and is billed separately.