How Credit Repair Works

A Clear, Compliant Process Built Around You

We analyze your credit reports, identify questionable items, and dispute them using a transparent, step-by-step process designed to improve your credit health.

Credit Repair Process
OUR PROCESS

Your Credit Repair Journey

Our proven methodology has helped thousands improve their credit scores. Here's exactly how we do it.

01

Free Consultation Call

Connect with our credit experts for a no-obligation 15-minute consultation. We'll discuss your situation and create a custom plan.

  • No credit card required
  • Expert guidance
  • Quick & easy
02

Deep Credit Analysis

We pull your credit reports from all three bureaus and conduct a thorough analysis of every item affecting your score.

  • All 3 bureaus
  • Dispute roadmap
  • Priority ranking
03

Strategic Disputes Filed

We file compliant dispute letters to challenge inaccuracies directly with credit bureaus and creditors on your behalf.

  • Legally compliant
  • Ongoing disputes
  • Full follow-up
04

Monitor & Celebrate

Track your progress in our secure client portal and watch your credit score improve month after month with real results.

  • Monthly updates
  • Score tracking
  • Results proof

What We Review on Your Credit Reports

  • Late payments and charge-offs
  • Collections and public records
  • Errors in balances, dates, and status
  • Duplicate or unverifiable items
  • Hard inquiries you may not recognize

What You Get With Credit Monkey

  • Dedicated credit specialists
  • Transparent updates and dispute tracking
  • Personalized action plan
  • 24/7 online dashboard access
  • 90-day money-back guarantee

Choose Your Plan

Simple monthly plans with a 90-day money-back guarantee.

Plan A

Negative Items

$99 / month
  • Personalized Credit Repair Plan
  • Challenges to 3 Credit Bureaus
  • Creditor Intervention Letters
  • Score Tracking
  • Challenge Hard Inquiries
  • Email & Phone Support
  • Online Customer Portal
  • 90-Day Money-Back Guarantee
  • Cancel Anytime
Choose Plan A

Plan C

Premium Service

$199 / month
  • Personalized Credit Repair Plan
  • Challenges to 3 Credit Bureaus
  • Creditor Intervention Letters
  • Score Tracking
  • Challenge Hard Inquiries
  • Email & Phone Support
  • Online Customer Portal
  • 90-Day Money-Back Guarantee
  • Cancel Anytime
Choose Plan C

Ready to improve your credit?

Start your consultation today and get a clear plan forward.