Your first month's plan fee serves as the enrollment and admin fee, collected on Day 5 of your onboarding — after your documents are verified, your agreement is signed, and notarization is complete (Restore/Elevate). Monthly billing continues on that date each month. You have the right to cancel within 3 business days of enrollment per the Oklahoma Credit Services Organization Act.

Blueprint is guided DIY — you have access to the full dispute system, portal, and we process your rounds, but you manage your own correspondence and file interactions. Restore is fully done-for-you with a dedicated account manager, FCRA legal referral evaluation, Section 623 creditor-level escalation, and the NotaryFox POA required for us to act fully on your behalf. If you want someone to manage your file without you having to think about it, Restore is the move.

SmartCredit is required for all active clients, billed separately directly through SmartCredit. Start with a 7-day trial for $5.97, then from $19.95/mo depending on the tier you choose. It's not included in your plan fee.

SmartCredit is six tools in one — ScoreTracker (Credit, Auto, Insurance, and Hiring Risk scores), ScoreBuilder® 120-day action plan, ScoreBoost™ timing strategy, PrivacyMaster® data removal from websites, Money Manager account hub, and $1 Million Fraud Insurance for your whole household with zero deductible. This is how you and your account manager track every point of movement every round.

Starting at Round 5 we introduce FCRA legal options. By Round 6 we do a full mid-program assessment of every remaining item. Items that show patterns of bureau or creditor non-compliance — improper reporting, failure to investigate, inaccurate data — are referred to LegalShield or local consumer rights attorneys. In many FCRA cases the violating party pays the legal fees, not you. This is available on Restore and Elevate plans.

Yes — Elevate at $297/mo covers two people simultaneously. Both files are disputed in every round with a coordinated strategy, customized household financial plan, and 1:1 accountability sessions. Both individuals receive full legal referral services. It's the most cost-effective option for couples who both need file work.

MBC Academy is your unified financial education platform — on-demand courses (budgeting, credit, investing, debt payoff), monthly money challenges, workshop recordings, and the full resource repository. Included with all credit repair plans. Also available as a standalone at $49.95/mo.

Money Hub ($19.97/mo) is a separate tool — your personal financial counseling dashboard for budget coaching, cash flow management, savings goals, debt tracking, and net worth monitoring. Included with Restore & Elevate plans. Available as an add-on for Blueprint clients.

Yes. You may cancel your plan at any time with written notice (email is acceptable). You have an unconditional right to cancel within 3 business days of signing your agreement per the Oklahoma Credit Services Organization Act (Title 24 O.S. § 137). Monthly billing stops at the end of your current billing cycle. Quarterly and 6-month prepaid plans are non-refundable after the 3-day window.