A different kind of credit repair
One price. Paid once. No subscription.
Straightforward, honest credit repair — a single transparent fee based on your actual file. No monthly billing, no surprise renewal, no case that drags on to run up your tab. We tell you what to dispute and what to leave alone.
- Midland FundingCollection · Experian
Charged off 2026 — act now
$1,284ACT NOW - Capital OneCharge-off · TU
Unverified balance — dispute
$2,140ACT NOW - Chase BankCharge-off · TU
Charged off 2022 — aging out, leave alone
$3,120LEAVE ALONE - Old medical billCollection · EX
Near statute of limits — leave alone
$240LEAVE ALONE - Ally Auto LoanInstallment · All bureaus
On-time history — protected, don't touch
—PROTECTED
How it works
Four steps. One flat price.
- 01
Upload
Pull your 3-bureau reports from annualcreditreport.com and upload the PDFs.
- 02
Preview
We break down every item with color-coded guidance. Free.
- 03
Approve & pay
Pick a tier. Your card is only charged when your letters are ready.
- 04
Mail the letters
You get the full package as PDFs. Print, sign, mail.
annualcreditreport.com is the only site authorized under federal law to give you free credit reports — weekly, from all 3 bureaus, permanently. Watch out for lookalike sites — several “free credit report” sites are paid upsells in disguise, including freecreditreport.com, which is not the official one.
Why we're different
The honest thesis behind SwiftCredit.
The credit reporting timeline is on your side. Most negative items must fall off your report after seven years. Statutes of limitations on old debt vary by state, but they run out too.
A blanket "dispute everything" strategy can wake sleeping debts — a collector who verifies an old item may start reporting it again, or sell it to someone who does. We won't do that to you.
"The most valuable line in your plan is often the one that says: leave this alone."
We only help you dispute items that appear inaccurate, unverifiable, or improperly reported. Accurate negative information cannot legally be removed, and we don't pretend otherwise.
What each color means
- Act nowRecent, disputable, or inaccurate. Worth challenging with a letter.
- Leave aloneAging out on its own soon. Touching it risks restarting reporting or legal timelines.
- ProtectedActively helping your file. Don't close, don't dispute — let it work.
Individual results vary — we don't guarantee a specific score outcome.
Pricing
One-time. Never a subscription.
Simple Cleanup
1–3 negative items, single bureau
- Custom dispute letters
- Bureau addresses & instructions
- Leave-alone guidance
Standard Package
4–7 items, up to 3 bureaus
- Everything in Simple
- Settlement letters included
- Prioritized action order
Full Restoration
8+ items, 3-bureau, full negotiation
- Everything in Standard
- Settlement negotiation scripts
- Rebuild plan
Extra items beyond your tier cap: +$20 each. Your exact price is shown before you pay.
Individual results vary — we don't guarantee a specific score outcome.
Your rights, spelled out.
Under the Credit Repair Organizations Act, you have the right to cancel your contract without penalty within three business days. You can dispute inaccurate information yourself, for free, at any time. We'll never charge you before your work is ready.