Built for the 700+ goal.
A real 90-day engagement — not a subscription that bills forever. Three dispute rounds, bi-weekly coaching calls, a score-tracking dashboard, and a clear finish line.
The whole engagement, $249 flat.
3 dispute rounds across all bureaus
Custom letters every 30 days. Round 1 opens disputes. Round 2 escalates. Round 3 closes out remaining items with method-of-verification challenges.
Bi-weekly check-ins
30-minute calls every two weeks. Review what came back, decide next moves, build the score forward.
Score-tracking dashboard
Live tracker showing score change, items in dispute, items removed, utilization, account age — the levers that actually matter.
Score-build playbook
Beyond disputes: utilization plan, strategic new credit, account-age preservation, and the moves that keep the score holding past day 90.
Plain calendar. Plain checkpoints.
Week 1 — Map
Pull all 3 reports. Map every account, every negative mark. Set the 90-day score target with you.
Weeks 2–4 — Round 1
First dispute round mailed. Utilization fix. First check-in call.
Weeks 5–8 — Round 2
Bureau responses reviewed. Round-2 letters mailed where needed. Account-age and new-credit moves layered.
Weeks 9–12 — Round 3
Final escalation round. Method-of-verification challenges. Final score push.
Day 90 — Wrap
Final report. Score-hold playbook for the next 6 months. You leave with the system, not a dependency.
Optional · Maintenance
Optional $49/month maintenance after day 90 — only if you want it. Not bundled, not auto-billed.
Built for a deadline.
🏠 Closing on a home
You need 700+ for the rate that actually saves money. 90 days is enough — if we start today.
🚗 Buying a vehicle
Move from sub-prime to prime. The monthly-payment difference pays for the plan ten times over.
💼 Funding a business
Personal credit gates LLC funding. Clean it, get the line, grow.
$249 flat. No subscriptions.
Chime
$SafeArbor — note "90-day plan" + your name.
Zelle
safearborconsulting / SafeArbor Consulting LLC
Checking ending in 6613
Split into two payments available — $149 to start, $100 at day 30. Just ask.
90 days from now, what's your score?
Most clients move 60–120 points in a 90-day plan. Real ones do the work. Real plans get them there.