Simple monthly pricing.
Real results.
Flat monthly billing — charged only after your first 30 days of active work. No advance fees, no setup costs, no surprises. CROA compliant.
Choose your path to
a better score
All monthly plans require Smart Credit monitoring (~$30/mo, billed directly to you). Service fees are billed in arrears — after each 30-day period of active work.
DIY Credit Repair Toolkit
- 20 professional dispute letter templates
- Credit utilization calculator
- Bureau pull chart — 40+ cards
- Know your FCRA & FDCPA rights
Credit Repair — Standard
- Full 3-bureau credit report audit
- FCRA § 1681i dispute letters — we send them
- Bureau + creditor correspondence handled throughout
- FDCPA § 1692g debt validation requests
- Escalation when an item is verified but the record does not support it
- Monthly written status update
- Credit education & score rebuild guidance
- Client portal access (CreditFixrr)
Credit Repair — Priority
- Everything in Standard, plus:
- Priority dispute processing & faster turnaround
- Higher monthly dispute volume
- Direct furnisher disputes & escalation
- Method of verification follow-ups
- Credit rebuild plan — secured cards, builder loans, AU positioning
- Dedicated case manager
Business Credit Building
- EIN & DUNS registration guidance
- Business entity & compliance review
- Net-30 vendor roadmap (Tier 1–3)
- Paydex score building strategy
- Business credit card qualification path
- Funding readiness assessment & lender matching
- Funding application preparation
- Monthly progress reporting
Required for all monthly plans
You must keep credit monitoring active for the entire duration of your service. Monitoring (approximately $30/mo, billed directly to you by the provider — not by We Not Me Financial Group) is how we access your reports, file disputes, and verify results. If your monitoring subscription lapses or is cancelled while work is in progress, we cannot continue working your file and your service will be terminated.
No fees are charged in advance. All service fees are earned only after contracted services are fully performed for that billing period. Read the CROA disclosures →
Side-by-side breakdown
| Feature | DIY Toolkit | Standard | Priority | Business Credit |
|---|---|---|---|---|
| Monthly fee | Free | $50/mo | $100/mo | $199/mo |
| Advance fees | None ✓ | None ✓ | None ✓ | None ✓ |
| Billed after service performed | ✓ | ✓ | ✓ | ✓ |
| Full 3-bureau audit | ✓ | ✓ | ✓ | — |
| We Not Me Financial Group sends letters | You send | ✓ | ✓ | — |
| Full dispute process | ✓ | ✓ | ✓ | — |
| FDCPA debt validation | ✓ | ✓ | ✓ | — |
| Escalation on verified items | — | ✓ | ✓ | — |
| Monthly written status report | — | ✓ | ✓ | ✓ |
| Priority processing | — | — | ✓ | — |
| Business credit building | — | — | — | ✓ |
| Net-30 vendor roadmap | — | — | — | ✓ |
| Paydex score strategy | — | — | — | ✓ |
| Funding readiness assessment | — | — | — | ✓ |
| Client portal access | — | ✓ | ✓ | ✓ |
Exactly how you
get charged
Step 1 — Sign Your Agreement
You receive a CROA-compliant service agreement and consumer rights disclosure. You have 3 business days to cancel with no charge — ever.
Step 2 — We Work Your File
We Not Me Financial Group audits your reports, prepares dispute letters, and begins the first round. You get a monthly update showing every action taken.
Step 3 — Billed After 30 Days
After each completed 30-day service period, your monthly fee is charged. No payment is ever collected before work is performed — that is federal law and our standard.
Your first step
costs nothing.
Book a free 30-minute consultation. Our team will review your credit situation, identify every disputable item, and tell you exactly what to expect — no pressure, no obligation.