Stop Paying For Credit Repair. Start Getting Results.
Everything you need to fix your credit, build your score, and take control of your financial future — all in one place.
The Transformation
A done-for-you program, built around your results.
You won't be filing disputes, chasing creditors, or decoding bureau letters. That's my job. Here's exactly what happens once you're enrolled.
Full 3-Bureau Audit
A line-by-line review of your Experian, Equifax, and TransUnion reports to identify every inaccurate, outdated, or unverifiable item.
Disputes Filed For You
Every dispute is drafted and mailed on your behalf with certified mail documentation — you keep the receipts, we do the work.
Monthly Progress Reports
Clear, plain-English updates showing what was removed, what's pending, and what's next. No guessing, ever.
Creditor Negotiation
Direct outreach to creditors and collectors to negotiate removals, pay-for-delete offers, and goodwill adjustments.
24/7 AI Agent Access
Have a question mid-program? My AI agent is on every page — tap the chat in the bottom-right to get answers instantly, day or night.
Graduation Call
We close out with a 1-on-1 call to review your progress and map your next 12 months of score building.
Real Clients
Results, not promises.
A few of the wins from this past year. Results vary — yours depend on your file.
"I had 9 collections and a charge-off from 2021. Six months in, 7 of those are gone and my score jumped from 542 to 660. Just closed on my first house."
Darius M.
St. Louis, MO
"Tried two other 'credit repair' companies and got ghosted both times. This was different — monthly updates, real removals, and I could actually call and get a human."
Jasmine R.
Florissant, MO
"Worth every dollar. They removed a repo I thought would haunt me until 2027. My auto loan rate dropped from 19% to 7% on the refi."
Andre C.
East St. Louis, IL
Investment
Simple, transparent pricing.
Pay as you go, or pay once and save. Either way, I work your file until the program is complete. No hidden fees, no upsells, no long-term contracts.
Startup Fee
Covers your full 3-bureau audit, onboarding, and the first round of disputes filed via certified mail.
- Full 3-bureau credit audit
- Personalized dispute strategy
- Certified mail sent within 7 days
- Onboarding call & client portal access
Monthly Retainer
Billed monthly until your program is complete. Cancel anytime once results are delivered.
- Ongoing disputes & creditor negotiation
- All certified mail covered
- 24/7 AI agent + direct email access
- Monthly progress reports + 30-day guarantee
Pay in Full
One payment, no monthly billing. I work your file from day one until the program is complete.
- Everything in Startup + Retainer
- No recurring monthly charges
- Priority queue placement
- 30-day results guarantee included
Not ready for the full program?
Start smaller. Still win.
Two lighter ways to take action today — even if you're not ready to enroll.
DIY Credit Audit Kit
Everything you need to dispute your own report — without the monthly retainer.
- Recorded 30-min audit of your 3-bureau report
- Plug-and-play dispute letter templates
- Step-by-step certified mail walkthrough
- Credit-builder game plan PDF
- Credit toward the full program if you upgrade in 60 days
Delivered to your inbox within 24 hours.
Free Credit Score Roadmap
The exact 7-step framework I use to lift scores 60-100+ points. No call required.
- The 5 items to dispute first (and why)
- Utilization sweet spot most people miss
- How to negotiate a pay-for-delete
- Authorized-user shortcut explained
- What never to do during repair
Just your email. No spam, unsubscribe anytime.
The Truth Capital Guarantee
If I don't remove at least 2 negative items in 30 days, you get $200 back.
No fine print, no runaround. I put real skin in the game because I know what the program delivers — and because your trust is worth more than any fee.
Questions
Everything you're wondering, answered.
Apply
Tell me about your credit.
I personally review every application. Expect a reply within 24 hours.
Disclaimers
Results vary. Truth Capital Services does not guarantee any specific credit score increase or outcome. Individual results depend on the accuracy of items on your credit report, the responsiveness of bureaus and creditors, and your own financial behavior during and after the program.
Not a law firm. Truth Capital Services is not a law firm and does not provide legal advice. Nothing on this site constitutes legal, financial, tax, or accounting advice. For legal questions, consult a licensed attorney in your state.
Your consumer rights. You have the right to dispute inaccurate information on your credit report directly with the credit bureaus and creditors yourself, at no cost, under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). You are not required to use a credit repair service.
Cancellation & guarantee. The $200 guarantee applies only when fewer than 2 negative items are removed within the first 30 days of active enrollment, provided you have submitted all requested documentation on time. The guarantee does not constitute a full refund. You may cancel your contract within 3 business days of signing, in writing, at no cost.
No affiliation. Truth Capital Services is not affiliated with, endorsed by, or sponsored by Experian, Equifax, TransUnion, or any government agency.