Before We Talk About What We Cost, Let's Talk About What Bad Credit Is Already Costing You.
Most people think of credit repair as an expense. By the time you finish reading this page, you will understand why it is the opposite.
The average home price in the Phoenix metro area is $425,000. On a 30-year fixed mortgage, the difference between a 580 credit score and a 720 credit score is roughly 1.5 percentage points in interest rate. That does not sound like much. Run the numbers and it is $142,000 in additional interest paid over the life of that loan. One hundred and forty-two thousand dollars. Paid to a lender. Because of a number on a screen that did not have to stay where it was.
That is $394 every single month — every month, for 30 years — that goes directly to the bank instead of your family.
The average State 48 Credit client saves a minimum of $47,000 in mortgage interest alone over the life of their home loan as a direct result of their score increase. Our most comprehensive package is $849. That is a 55-to-1 return on investment.
Simple, Flat-Rate Pricing. No Monthly Fees.
Every plan is a one-time investment. You pay once. We work until the job is done.
One and Done
Targeted removal on one bureau. For clients with a contained, single-bureau issue.
- Single-bureau dispute and removal — your choice of Equifax, Experian, or TransUnion
- Unlimited negative item disputes on the selected bureau
- Custom dispute letters for every item on that bureau
- Direct bureau communication handled by us
- Dedicated credit specialist assigned to your file
- 90-Day Money-Back Guarantee
Total Freedom
The complete credit restoration. Every bureau. Every database. Everything included.
- Full 3-bureau dispute and removal — Equifax, Experian, and TransUnion
- Unlimited negative item disputes — collections, late payments, charge-offs, repossessions, foreclosures, bankruptcies
- Inquiry removal across all three bureaus
- ChexSystems removal — banking record cleared
- Innovis removal — secondary database cleared
- Dedicated credit specialist assigned to your file
- Custom dispute letters for every single item — zero templates
- Direct bureau and creditor communication handled entirely by us
- 90-Day Money-Back Guarantee
Full Sweep
Complete 3-bureau removal. No secondary databases. No inquiry removal.
- Full 3-bureau dispute and removal — Equifax, Experian, and TransUnion
- Unlimited negative item disputes — collections, late payments, charge-offs, repossessions, foreclosures, bankruptcies
- Custom dispute letters for every item — zero templates
- Direct bureau and creditor communication handled entirely by us
- Dedicated credit specialist assigned to your file
- 90-Day Money-Back Guarantee
Not Sure Which Plan Fits Your Situation? Let Us Tell You — For Free.
Every consultation is free. We look at your report, tell you exactly which items are removable, recommend the right plan for your specific situation, and give you a realistic timeline — all before you commit to anything.
One flat fee. No monthly charges. No contracts. No pressure. 90-day money-back guarantee on every single plan.