850 FICO Club — Credit Is King & Cash Is Power

Packages

Choose Your Plan

Every plan includes aggressive 3-bureau disputing — Equifax · Experian · TransUnion

Step 1 · Credit Monitoring

Sign Up for SmartCredit First

Before we begin, set up your SmartCredit account so our team can pull your full 3-bureau credit report, see exactly what's hurting your score, and build your custom dispute plan. This is required to get started — it only takes 2 minutes.

📊 Sign Up for SmartCredit →

Opens in a new tab · Then choose your plan below

Silver Plan

$894

^$697

single program fee

+ $34.95/mo Smart Credit monitoring

SAVE $197

✓Personal information update
✓Late payments challenged
✓Collections challenged
✓Charge-offs challenged
✓Hard inquiries challenged
✓Fast-tracked results in 30–90 days
✓3-bureau dispute letters prepared on your behalf
✓FCRA & FDCPA-based dispute strategy
✓Credit-building guidance after disputes
✓Email & SMS status updates
✓Monthly progress reports + live score tracking
✓24/7 client portal access

Best for:Clients with collections, charge-offs, late payments, or inquiries looking for a clean, fast start.

Apply For Silver

Gold Plan

$1,097

^$897

one-time program fee

+ $34.95/mo Smart Credit monitoring

SAVE $200

✓Bankruptcy records challenged
✓Repossessions challenged
✓Student loans challenged
✓Medical bills challenged
✓Child support challenged
✓Everything in Silver, plus public records coverage
✓FCRA Metro 2 compliance-based dispute strategy
✓Debt validation letters to collection agencies
✓Goodwill letter assistance for paid late payments
✓Credit utilization guidance & score optimization
✓Tradeline strategy consultation
✓Monthly progress reports + live score tracking
✓24/7 client portal access

Best for:Clients with bankruptcies, repos, student loans, or medical debt who need deeper public records work.

Apply For Gold

+ VIP

Platinum Plan

$1,997

^$1,497

white-glove program

+ $34.95/mo Smart Credit monitoring

SAVE $500

✓Everything included — late payments, collections, charge-offs, repossessions, bankruptcy, student loans, medical bills & child support
✓Done-for-you service — we handle everything, you do nothing
✓Dedicated credit specialist assigned exclusively to your case
✓Front-of-line priority disputes — fastest turnaround of any plan
✓Identity theft resolution support
✓Rapid rescore coordination with lenders
✓Access to preferred funding partners & credit lines
✓Direct advisor access during business hours
✓24/7 VIP client portal + real-time score tracking
✓Exclusive lender & funding introductions — not available on other plans

Best for:Clients preparing for a mortgage, major funding, or who want a dedicated specialist handling everything start to finish.

Apply For Platinum

Signature Plan

^$2,000

complete program

+ $34.95/mo Smart Credit monitoring

✓Everything included — full disputes across all 3 bureaus
✓Done-for-you service — we handle everything, you do nothing
✓Public records: bankruptcies, repossessions, student loans, medical bills & child support addressed
✓Dedicated credit specialist assigned exclusively to your case
✓Front-of-line priority disputes — fastest turnaround
✓Monthly progress reports + live score tracking
✓24/7 client portal access + lifetime credit guidance

Best for:Clients who want the most complete, fully done-for-you program with lifetime guidance.

Apply For Signature

850 FICO Club is a credit repair organization as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 et seq. In full compliance with CROA, no fees are collected until after the contracted services have been fully performed.

Real Problems.

8 Common Factors
That Can Impact Your Credit

Your credit report can contain many different types of accounts and reporting details — including collections, charge-offs, bankruptcies, student loans, and medical debt.

At 850 FICO Club, we help clients review their credit reports and identify information that may be inaccurate, incomplete, or unverifiable under consumer protection laws such as the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).

Schedule a Credit Review→

📅

Late Payments

30, 60, or 90-day late payment records that may affect payment history and overall credit profile.

✓ Can Be Challanged

🗂️

Collections

Accounts sent to collection agencies after non-payment that may impact how lenders view a credit report.

✓ Can Be Challanged

💳

Charge-Off Accounts

Accounts written off by lenders after extended non-payment that may still appear on credit reports.

✓ Can Be Challanged

🚗

Repossession Records

Vehicle or asset repossessions reported to credit bureaus that may affect future borrowing evaluations.

✓ Can Be Challanged

⚖️

Bankruptcy Records

Public records such as Chapter 7 or Chapter 13 bankruptcies that may remain on credit reports for years.

✓ Can Be Challanged

🎓

Student Loan Issues

Student loan delinquencies, defaults, or reporting discrepancies that may influence credit evaluations.

✓ Can Be Challanged

👶

Child Support

Unpaid or potentially misreported child support obligations that may appear in consumer reporting records.

✓ Can Be Challanged

🏥

Medical Bills

Unpaid medical balances or healthcare-related collections that may appear on credit reports.

✓ Can Be Challanged

Your Path to 850

Start. Repair. Build.
Improve. Freedom.

Every client follows a structured roadmap — from wherever you are today, toward stronger credit knowledge and financial opportunities.

💰

Start

Free credit analysis. We review the items currently appearing on your credit report.

📈

Repair

Dispute assistance across the three major credit bureaus for information that may be inaccurate, incomplete, or unverifiable.

🏆

Build

Credit-building guidance and strategies designed to help strengthen positive credit activity.

✅

Improve

Ongoing credit education and monitoring guidance to support long-term credit improvement.

🚩

Freedom

Stronger credit positioning that may help with future lending opportunities such as mortgages, auto loans, or business financing.

How It Works

A Clear Process.
Zero Guesswork.

You'll know exactly what's happening with your credit review process at every single step.

Free Credit Analysis

We review your 3-bureau report, identify the items appearing on your credit profile, and provide a clear overview of factors that may be affecting your credit.

Credit Strategy Review

A customized action plan designed around your credit profile, with guidance based on the items that may be having the greatest impact.

Dispute Assistance Process

Dispute assistance across Equifax, Experian, and TransUnion for information that may be inaccurate, incomplete, or unverifiable, with follow-up support throughout the process.

Credit-Building Guidance

As your profile is reviewed over time, we provide guidance on positive credit habits, utilization, and other factors that may help strengthen your credit profile.

Monitor, Maintain & Guide

Ongoing monitoring guidance, account review support, and educational coaching to help you stay informed about your credit profile over time.

Step 01 of 05

Free Credit Analysis

We review your 3-bureau report, identify the items appearing on your credit profile, and provide a clear overview of factors that may be affecting your credit.

✓

All 3 bureaus reviewed

✓

Credit profile item review

✓

Personalized credit guidance provided

Client Examples

Real Clients.
Real Numbers.

Disclaimer: These examples reflect individual client experiences. Results vary based on each consumer’s credit profile and circumstances. No specific score increase or outcome is guaranteed.

Get My Free Analysis →

Sarah M.

Experian

519↑—

TransUnion

524↑—

Equifax

521↑—

⬆Example Score Change: +225 Points

"They helped me better understand my credit profile during my mortgage preparation process."

Timeline Varies by Credit Profile

Jeffrey G.

Experian

441↑—

TransUnion

438↑—

Equifax

443↑—

⬆Example Score Change: +314 Points

"My credit profile improved over time with consistent guidance and support."

Timeline Varies by Credit Profile

Cassidy L.

Experian

394↑—

TransUnion

399↑—

Equifax

397↑—

⬆Example Score Change: +298 Points

"I felt more informed and confident about the steps I could take to improve my credit."

Timeline Varies by Credit Profile

Chris R.

Experian

554↑—

TransUnion

558↑—

Equifax

557↑—

⬆Example Score Change: +156 Points

"The process was organized, professional, and helped me better understand my credit report."

Timeline Varies by Credit Profile

Marcus T.

Experian

476↑—

TransUnion

481↑—

Equifax

479↑—

⬆Example Score Change: +255 Points

"Their guidance helped me better prepare my credit profile for future financing opportunities."

Timeline Varies by Credit Profile

Tanya W.

Experian

412↑—

TransUnion

408↑—

Equifax

416↑—

⬆Example Score Change: +276 Points

"I appreciated having a clearer understanding of my credit profile and next steps."

Timeline Varies by Credit Profile

Devon P.

Experian

503↑—

TransUnion

498↑—

Equifax

501↑—

⬆Example Score Change: +259 Points

"The credit review and guidance process was thorough and helpful."

Timeline Varies by Credit Profile

Renee K.

Experian

537↑—

TransUnion

542↑—

Equifax

539↑—

⬆Example Score Change: +187 Points

"My improved credit profile gave me more confidence when exploring financial options."

Timeline Varies by Credit Profile

Why 850 FICO Club

Why Other Companies Fall Short.

We built 850 FICO Club around a more transparent approach focused on credit education, personalized guidance, and ongoing client support.

⚖️

Consumer Law-Based Credit Review

We review credit reporting issues using applicable consumer protection laws and provide guidance when information may appear inaccurate, incomplete, or unverifiable.

📱

Real-Time Client App Updates

Clients can stay informed throughout the process with portal visibility, account updates, and direct communication when available.

🚫

Transparent Ongoing Support

We focus on clear communication, structured guidance, and continued support throughout the credit review and improvement process.

Feature850 FICO ClubOthers

Personalized credit review✓✗

Ongoing client communication✓✗

Client portal visibility✓✗

Dedicated advisor✓✗

Consumer law-based guidance✓✗

Medical debt reporting review✓✗

Credit-building guidance✓✗

Business credit guidance✓✗

FAQ

Helpful Answers to Common Questions.

We believe in transparency and clear communication. If your question is not covered here, our team is available to help.

Ask Us Directly →

How long can the credit review process take? +

Every credit profile is different, so timelines can vary. Some clients may notice changes earlier, while others may see gradual improvements over time depending on the information appearing on their credit reports.

Can negative items be disputed? +

Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute information that may be inaccurate, incomplete, or unverifiable. We assist clients in reviewing their reports and submitting disputes when appropriate.

Is credit consulting legal? +

Yes. Consumers have the legal right to review their credit reports and dispute inaccurate reporting. Our services focus on credit education, report analysis, and dispute assistance consistent with applicable consumer protection laws.

Does disputing information affect my credit score? +

Submitting a dispute itself does not automatically lower your credit score. However, any changes to your credit report may affect your score depending on the information being updated or verified.

Can I cancel my service? +

Clients can contact our support team to discuss service options, account updates, or cancellation requests. We aim to maintain clear communication and flexible support throughout the process.

About 850 FICO Club

Built to Support Smarter Credit Decisions.

We built 850 FICO Club to help consumers better understand their credit reports, their rights under consumer protection laws, and the steps they may take to address inaccurate, incomplete, or unverifiable information.

Many consumers are unaware that federal laws such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) provide important protections when it comes to credit reporting and dispute rights. Our role is to help clients navigate that process with structured guidance and support.

⚖️

Consumer Law Based Guidance

Credit review support informed by applicable federal consumer protection laws

📡

Clear Communication

Ongoing updates and visibility throughout the credit review process

🚫

Clear Agreements

Professional service agreements with clearly outlined terms

🛡️

Compliance Focused

Services structured around transparency, education, and applicable regulations

Improve Your Credit
With Professional Credit Analysis & Guidance

Choose Your Plan

Sign Up for SmartCredit First

8 Common Factors
That Can Impact Your Credit

Start. Repair. Build.
Improve. Freedom.

A Clear Process.
Zero Guesswork.

What Your Score
Actually Means.

Real Clients.
Real Numbers.

Real Clients. Real Scores. Real Results.

Why Other Companies Fall Short.

Helpful Answers to Common Questions.

Built to Support Smarter Credit Decisions.

Your Credit Profile Can
Change Over Time.

Let's Talk About Your Report.

What's your current credit score range?

How many negative items are on your credit report?

What's your primary goal?

How quickly do you need results?

Get Your Personalized Credit Roadmap

Your Roadmap is Ready! 🎉

Improve Your Credit With Professional Credit Analysis & Guidance

Choose Your Plan

Sign Up for SmartCredit First

8 Common FactorsThat Can Impact Your Credit

Start. Repair. Build.Improve. Freedom.

A Clear Process.Zero Guesswork.

What Your ScoreActually Means.

Real Clients.Real Numbers.

Real Clients. Real Scores. Real Results.

Why Other Companies Fall Short.

Helpful Answers to Common Questions.

Built to Support Smarter Credit Decisions.

Your Credit Profile CanChange Over Time.

Let's Talk About Your Report.

Improve Your Credit
With Professional Credit Analysis & Guidance

8 Common Factors
That Can Impact Your Credit

Start. Repair. Build.
Improve. Freedom.

A Clear Process.
Zero Guesswork.

What Your Score
Actually Means.

Real Clients.
Real Numbers.

Your Credit Profile Can
Change Over Time.