Pricing

Clear plans for every credit milestone

Choose the ongoing monitoring that keeps you informed each month, and pair it with one-time or debt-based services when you need focused advocacy. Every option starts with a complimentary strategy session.

One-Time & Debt-Based Support

Focused help when you need a powerful push

Tap targeted services for a specific collection, debt challenge, or upcoming loan. Fees scale with the work required—never a surprise.

One-Time Dispute Sprint

$249 flat

Target a specific bureau error or collection with legal-backed dispute letters and follow-up coaching.

Certified mail dispute packet prepared for you
30-day response tracking & escalation path
Follow-up review to lock in the score gain

Debt Reduction Advocacy

12% of resolved debt

For charge-offs or high balances impacting approval. We negotiate settlements and document compliance.

Strategist-led negotiation with creditors
Payment timeline coordination and reporting
Post-resolution credit rebuilding plan

Homebuyer Fast-Track

$599 flat

Designed with lenders for rapid score improvement when you are inside a mortgage underwriting window.

48-hour file audit & lender communication
Rapid rescore support with documentation
Pre-close monitoring to prevent surprises

Ready when you are

Start your complimentary credit strategy session

Bring your latest reports and we’ll map the first 90 days for you—free. See exactly how Finova would tackle your disputes before you commit.