Invest in Your Credit.
Unlock Your Capital.

Three premium tiers. No hidden fees. No long-term contracts. Every plan includes law-based dispute processing, 3-bureau monitoring, and a dedicated client portal.

Compare Plans ↓ Free Assessment

Starter ~$8/day  ·  Accelerator ~$12/day  ·  Elite ~$18/day   —   Less than one cup of coffee per day to fix your credit

Choose Your Plan

Three Tiers. One Mission.

Start where you're comfortable. Upgrade anytime. Your progress carries over.

Essential
Starter
$247/mo
$0 setup. Cancel anytime.
≈ $8/day — less than a coffee run

Core credit repair for individuals. Targeted disputes with FCRA 605B letters sent via certified mail. Perfect for cleanup with specific approval goals.

  • 3-bureau credit report analysis
  • Up to 15 dispute items per cycle
  • FCRA Section 605B dispute letters
  • Certified mail with return receipts
  • Bureau response tracking & escalation
  • Monthly progress reports
  • Client portal access
  • CFPB & BBB complaint filing
  • Unlimited dispute items
  • 8-wave automated progression
  • MOV demands included
  • Score tracking & real-time monitoring
  • Dedicated specialist
  • Attorney referral pipeline

Not sure? Take the free assessment

Most Popular ★ Best Value Accelerator
Accelerator
$347/mo
$0 setup. Cancel anytime.
≈ $12/day — unlock funding capability

Unlimited disputes with 8-wave automated progression, MOV demands, and score tracking. Serious credit rebuilding with dedicated support and full bureau strategy.

  • Everything in Starter, plus:
  • Unlimited dispute items per cycle
  • 8-wave automated dispute progression
  • MOV (Method of Verification) demands — force furnishers to prove items
  • Score tracking & real-time monitoring
  • Personal info cleanup (e-OSCAR disruption)
  • CFPB & BBB complaint filing
  • State AG escalation where applicable
  • Weekly strategy calls with specialist
  • Dedicated specialist — your single point of contact
  • Inquiry velocity management & cleanup
  • Tradeline placement guidance (AU + secured)
  • Capital stacking prep (regional bank targeting)
  • Automated funding partner outreach system
  • Arbitration demand filing
  • Attorney referral pipeline
  • Funding preparation & strategy
  • Automated funding partner calls

Not sure? Take the free assessment

Complete System
Elite
$547/mo
$0 setup. Cancel anytime.
≈ $18/day — full personal + business credit infrastructure

The complete system: unlimited disputes, MOV demands, arbitration, attorney referral pipeline, funding preparation, and AI agents. Maximum leverage for serious results.

  • Everything in Accelerator, plus:
  • Arbitration demand filing — force resolution on stubborn items
  • Attorney referral pipeline — vetted consumer law partners
  • Funding preparation & strategy — bank targeting, inquiry audit
  • Automated funding outreach — outbound call automation system
  • Four Pillar Content Flywheel — automated content generation
  • UCC threshold management & debt rotation
  • 0% credit stacking execution ($15k → $113k+)
  • Application sequencing for minimal inquiry impact
  • Priority regulatory escalation (CFPB, State AG, Federal)
  • Unlimited weekly strategy calls
  • Direct partner introductions (lender network)
  • White-glove onboarding & document prep
  • LLC formation & business credit setup
  • Real-time score tracking & live dashboard

Not sure? Take the free assessment

🤔

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Detailed Comparison

Every Feature, Every Tier

Side-by-side breakdown so you know exactly what you're getting.

Feature Starter
$247/mo		 Accelerator
$347/mo		 Elite
$547/mo
Core Credit RepairIncluded in All Tiers
3-Bureau Report Analysis✓✓✓
Dispute Items per Cycle15UnlimitedUnlimited
FCRA 605B Disputes✓✓✓
Certified Mail (Return Receipt)✓✓✓
Personal Info Cleanup (e-OSCAR)✕✓✓
8-Wave Automated Progression✕✓✓
CFPB & BBB Complaints✓✓✓
State AG Escalation✕✓✓
MOV Demands (Method of Verification)✕✓✓
3-Bureau MonitoringMonthlyReal-timeReal-time + Priority
Progress ReportsMonthlyWeeklyWeekly + Live Dashboard
Client Portal Access✓✓✓
Tradelines & FundingAccelerator & Elite Only
Tradeline Placement (AU + Secured)✕✓✓
Secured Card Laddering ($500→$8.5k+)✕✓✓
Capital Stacking Prep (Regional Banks)✕✓✓
Inquiry Velocity Audit & Cleanup✕✓✓
Internal Blacklist Avoidance✕✓✓
Bank Relationship Deposit Setup✕✓✓
0% Credit Stacking ($15k→$113k)✕✕✓
UCC Threshold Management✕✕✓
Automation & OutreachProgressive
Funding Partner SMS Outreach✕✓✓
Automated Outbound Call System✕✕✓
Four Pillar Content Flywheel✕✕✓
Pixel Conditioning & Disposition Tracking
Business InfrastructureElite Only
LLC Formation & Operating Agreement✕✕✓
DUNS Number Registration✕✕✓
EIN Setup & Business Credit Profile✕✕✓
Vendor Tradelines (Net-30)✕✕✓
Business Credit Cards (Reporting)✕✕✓
Entity Separation Enforcement✕✕✓
Automation & OutreachProgressive
Funding Partner SMS Outreach✕✓✓
Automated Outbound Call System✕✕✓
Four Pillar Content Flywheel✕✕✓
Pixel Conditioning & Disposition Tracking✓✓✓
Support & AccessProgressive
Dedicated SpecialistShared Team✓✓
Strategy CallsMonthlyWeeklyUnlimited Weekly
Direct Lender Introductions✕✕✓
White-Glove Onboarding✕✕✓
IDIQ Credit MonitoringSeparate Signup (All Tiers)
IDIQ Partnership Access✓✓✓
IDIQ Enterprise Monitoring Dashboard✓✓✓
IDIQ Dispute Technology Platform✓✓✓
Our Promise

Zero-Risk Guarantee

We're confident in our process. If we don't deliver, you don't pay.

🛡️

No Deletion, No Fee

If we don't remove at least one negative item in your first 90 days, we refund your last month's payment in full.

📄

No Long-Term Contracts

Cancel anytime with 30 days' notice. No prepayment penalties. No autobilling traps. You're in control.

📊

Full Transparency

Every letter filed, every bureau response, every deletion — visible in your client portal in real time.

Questions

Pricing & Plan FAQ

Common questions about our plans, billing, MOV demands, and IDIQ integration.

Can I upgrade or downgrade my plan?
Yes, anytime. Changes take effect next billing cycle. Your progress and data carry over seamlessly. If you start with Starter and need more firepower, upgrade to Accelerator or Elite with one click.
Are there any setup fees or hidden costs?
No. The monthly price is all-inclusive — certified mail, bureau pulls, portal access, specialist time, automated tools (where included), and all regulatory filings. No surprise charges. Ever.
How does the "No Deletion, No Fee" guarantee work?
If after 90 days of active service we haven't secured at least one verified deletion on your credit reports, request a refund of your most recent monthly payment. Applies to first billing cycles only. We're that confident in our process.
What's the difference between Accelerator and Elite?
Accelerator includes unlimited disputes, 8-wave automated progression, MOV demands, score tracking, and a dedicated specialist. Elite adds arbitration demand filing, attorney referral pipeline, funding preparation, business credit setup (LLC/DUNS/EIN), automated funding outreach, and priority escalation — the complete system for serious funding goals.
What are MOV demands and why do they matter?
MOV (Method of Verification) demands are a powerful legal tool under the FCRA. When a credit bureau or data furnisher claims an item is verified, we send a formal MOV demand requiring them to produce the specific documents they used. If they cannot — and they often can't — the item must be deleted. MOV demands are included in Accelerator and Elite plans and are one of the most effective escalation tools in credit repair.
How does the IDIQ partnership work?
IDIQ is one of the nation's leading credit monitoring and dispute technology platforms. As an Untapped FS client, you get access to IDIQ's enterprise-grade monitoring dashboard, identity theft protection, and dispute processing infrastructure. IDIQ signup is a separate onboarding step after you enroll — it's not included in the monthly price but is offered at a preferred partner rate. All tiers have access to the IDIQ partnership.
Do I need all three bureaus for Starter?
We pull and dispute all three bureaus (Equifax, Experian, TransUnion) regardless of tier. Starter limits the number of items per cycle (15), not bureau coverage.
How do I know which tier is right for me?
Take the free assessment — we analyze your credit profile and goals in under 2 minutes, then recommend the exact tier. No obligation, no credit card needed.

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