CREDIT REPAIR, DEBT & FINANCIAL RESCUE
Real Life.
Real Results.
Compliance-based dispute work, CFPB filing, Metro2 factual disputing, legal referrals for FCRA violations — and the financial education to make sure your score stays built.
💳
Credit Repair
🎓
Financial Education
💻
Money Tools
👥
Community
⭐
Get Started
1
Sign Up & Onboard
Choose your plan, sign your agreement, and complete your 5-day onboarding
2
Round 1 Disputes Out
We dispute every negative item across all 3 bureaus with Metro2 and factual disputing
3
Results & Progress
Scores update in 30–45 days. We send your full progress report every round
4
Repeat Up to 12×
We go up to 18 months of dispute rounds — with legal escalation for stubborn items
CHOOSE YOUR PLAN
Three Plans. One Goal.
Rebuild Your File.
Every plan includes the same dispute process — up to 18 months of rounds, CFPB filing, and full credit building access. The difference is how much hands-on support you get and whether you need couples/family coverage.
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Up to 18 Months of Disputes
Bureau disputes every round, all 3 bureaus
🏛️
CFPB Complaint Filing
We file on your behalf for stubborn items
📊
Metro2 & Factual Disputing
Compliance-based, not template letters
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14 Vetted Partners
Credit building, investing, banking, legal & funding resources
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Money Hub — Financial Counseling
$19.97/mo · included with Restore & Elevate
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Learning Portal
academy.millenniumbudget.com — challenges & courses
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24/7 Client Portal
Disputes, scores, documents, messaging
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Community & Workshops
Monthly money challenges and accountability
BLUEPRINT
Guided DIY — you stay in the driver's seat with our full system behind you
$97/mo
$307/quarter · $627/6 months
What's Included
Up to12 dispute roundsper year — all 3 bureaus
Metro2 & factual disputing— not template letters
CFPB complaint filing on your behalf
Interactive credit building portal — all 14 vetted partners
Money Hub add-on — $19.97/mo (included Restore & Elevate)
MBC Learning Portal — courses, challenges, releases
24/7 client portal with document upload
Community access — monthly money challenges
Single personfile coverage
MOST POPULAR
RESTORE
Done-for-you — we handle everything while you focus on building
$197/mo
$637/quarter · $1,267/6 months
Everything in Blueprint, Plus:
Done-for-you— full service, we manage your file
Dedicated account manager assigned to your file
FCRA legal referral evaluation —LegalShield + local attorney
Section 623 creditor-level escalation for stubborn items
Notarized Power of Attorney viaNotaryFox($49.95 one-time)
Mid-program assessment at Round 6 — full file review
Progress report with every score update
Priority client portal messaging
Single personfile coverage
ELEVATE
DFY coverage for couples and families — two files, one mission
$297/mo
$937/quarter · 1,907/6 months
Everything in Restore, Plus:
Couples / family coverage— two files worked simultaneously
Customized financial plan for your household
1:1 accountability sessions with your account manager
Money Hub Premium — full household financial view
Private community access — elevated tier
All legal referral and escalation services included
Coordinated dispute strategy across both files
Full FCRA documentation package for both parties
How billing works: Your first month's plan fee serves as the enrollment/admin fee, collected on Day 5 of onboarding after your documents are verified and your agreement is signed. Monthly billing continues on the same date each month. You may cancel at any time with written notice. Right to cancel within 3 business days of enrollment as required by the Oklahoma Credit Services Organization Act (Title 24 O.S. §§ 131–148).
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REQUIRED ADD-ON ALL PLANS
SmartCredit Score Monitoring
$19.95
/month
Real-time 3-bureau score monitoring, score simulator, and credit alerts. Required for all active clients — this is how we track your progress round by round and catch score movement the moment it happens. Billed separately, cancel anytime.
$19.95
/month
FINANCIAL EDUCATION
Learn What School
Never Taught You.
Two ways to access MBC's financial education ecosystem — a self-paced standalone subscription, or full access included with every credit repair plan.
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MBC Learning Portal
Included with all credit repair plans
Your Learning Portal is your starting point — and it's included with every MBC credit repair plan at no additional cost. Log in at academy.millenniumbudget.com and get immediate access to courses, monthly challenges, and a community of people on the exact same journey.
Full course library — credit, budgeting, investing, debt payoff
Monthly money challenge — join the current challenge and track progress with the group
New content and challenge drops every month
Win board — celebrate score jumps, deletions, and money milestones
Financial literacy content dropped weekly
Included at no additional cost with Blueprint, Restore, and Elevate
🎓
MBC Academy — The Upgrade
$49.95/mo
Ready to go deeper? MBC Academy is the full standalone platform — everything in the Learning Portal plus premium audio, visual, and activity-based courses that go further than what's covered in the included tier. The financial education you should have gotten in school. On your schedule, in your own way.
Everything in the Learning Portal, plus premium course catalog
Audio, visual, and activity-based — not dry lectures or textbooks
Deep-dive courses: credit mastery, investing, business funding, wealth building
Workshop recordings, live session replays, and exclusive masterclasses
Monthly money challenges with premium accountability features
Available standalone — no credit repair plan required
No contracts — cancel anytime
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Budgeting That Works
Zero-based budgeting, cash flow management, and spending plans that don't make you miserable
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Credit Mastery
How scoring works, utilization strategy, tradelines, and building positive history the right way
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Debt Payoff Strategy
Avalanche vs. snowball, negotiating with creditors, and breaking the paycheck-to-paycheck cycle
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Investing Basics
Stocks, index funds, retirement accounts — building wealth that outlasts you
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Homeownership Prep
What lenders actually look at, first-time buyer programs, and how to get ready before you apply
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Business & Side Income
Business credit, funding basics, and turning side hustles into sustainable income streams
THE PROCESS
Up to 18 Months Disputes.
Every Legal Option Available.
Most credit repair companies stop at 3–4 rounds. We run up to 12 — with escalating strategies at every stage. The further we go, the more powerful our tools become.
1-4
Bureau disputes every round, all 3 bureaus
5
Deeper strategy · FCRA legal intro
6
Halfway · Mid-program assessment
7-8
Section 623 creditor-level escalation
9-11
Legal referrals active · FCRA docs prepared
12
Final round · Legal action continues
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Metro2 & Factual Disputing
Compliance-based disputes — not the generic template letters most companies send. Every dispute is built on your actual file data.
🏛️
CFPB Complaint Filing
We file complaints with the Consumer Financial Protection Bureau on your behalf for items that bureaus and creditors are mishandling.
⚖️
FCRA Legal Referrals
Items that survive disputes and show violation patterns are referred to LegalShield or local consumer rights attorneys — often with the violating party paying legal fees.
.📬
Full Documentation Package
12 months of dispute letters, bureau responses, CFPB records, and creditor correspondence — your complete legal file, built round by round.
MONEY TOOLS
Your Financial Dashbaord.
Built Into the Program.
Every MBC plan includes access to tools that keep your financial picture sharp between dispute rounds — so you're not just removing negatives, you're actively building wealth at the same time.
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MBC Money Hub
millenniumbudget.moretomoney.com · $19.97/mo — included with Restore & Elevate
Money Hub is MBC's financial counseling tool — the place where budgeting, debt tracking, cash flow management, and savings goals all come together. Think of it as having a financial coach sitting next to you every time you look at your money. $19.97/mo, included with Restore & Elevate, available as an add-on for Blueprint clients.
Budget tracker — categorized spending, monthly targets, and real-time tracking
Account monitoring — all your bank and credit accounts in one synchronized view
Savings goals — set a target (emergency fund, down payment, vacation) and track your progress
Net worth tracker — assets minus liabilities, updated automatically
Cash flow analysis — see where money is going and where to redirect it
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SmartCredit Monitoring
$5.97 to Start · Required for all active clients
Real-time 3-bureau credit monitoring so you and your account manager can track your score movement the moment it happens — not just when a round closes. This is how we know our dispute work is landing.
3-bureau score tracking — Equifax, Experian, and TransUnion all in one dashboard
Real-time alerts — know the moment a score changes, an account opens, or an inquiry hits
Score simulator — model what paying down a card or removing an item will do before it happens
Identity monitoring — alerts for suspicious activity across your file
Cancel anytime — billed directly at $19.95/mo, separate from your plan fee
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Credit Building Resource Library
14 vetted partners · Available in your portal Resources tab · Included with all plans
Removing negative items is only half the equation. While we dispute, you build. Your portal Resources tab gives you direct access to all 9 of our vetted credit building partners — vetted tools that add positive history to your file while we strip away the negative.
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Credit Builder
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Rent Reporters
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Tradelines
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Self
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Business Funding
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Credit Card
EVERYTHING YOU GET
Built for the Long Game.
Your MBC program isn't just dispute rounds. It's a complete financial ecosystem — tools, education, community, and support that keep working long after the disputes are done.
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Money Hub
millenniumbudget.moretomoney.com
Compliance-based disputes — not the generic template letters most companies send. Every dispute is built on your actual file data.
🎓
MBC Learning Portal
academy.millenniumbudget.com
On-demand financial education — credit, budgeting, investing, debt payoff, and wealth building. New challenges, course releases, and content drop regularly. Check in every round for what's new.
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Credit Building Resources
14 vetted partners in your portal
Access all 14 vetted credit building partners directly through your portal Resources tab: Credit Builder, Ava, Acorns, Griffen, Rent Reporters, Tradelines, Self, Business Funding, and Credit Card Resources. Removing negatives and adding positives at the same time.
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Community & Money Challenges
Monthly challenges, wins, accountability
Join a community of people on the same journey. Monthly money challenges — savings sprints, spending freezes, utilization goals — run alongside your dispute rounds. Your wins get celebrated here. Your accountability partners are here.
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SmartCredit Monitoring
3-bureau real-time score tracking
Real-time score alerts across all three bureaus. Score simulator to model what paying down a card or removing an item will do to your score. Required for all clients — this is how we track your progress round by round.
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NotaryFox — Remote Notarization
14 vetted partners in your portal
Your Power of Attorney document must be notarized before we can begin disputing on your behalf. We use NotaryFox for fast, secure remote online notarization — typically completed in under 9 minutes. One-time fee of $49.95.
COMMUNITY
You're Not Doing This Alone
Every MBC client is part of a community of people on the exact same journey — building credit, paying off debt, learning to budget, and creating wealth for their families. The community is where accountability becomes real.
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Monthly Money Challenges
Every month we run a new challenge — savings sprints, spending freezes, debt payoff tracking, utilization goals. Join the current challenge, post your progress, and finish the month stronger than you started.
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Win Celebrations
Post your score jumps. Announce your deletions. Share your first $1,000 saved. The community celebrates every win — big and small — because progress is progress and it deserves to be recognized.
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Debt Payoff Strategy
Tips, strategies, and education dropped weekly. From credit building tactics to investing basics to side income ideas — the content keeps you growing between dispute rounds.
🤝
Accountability Partners
Connect with people who are exactly where you are. Same goals. Same process. Same commitment to change. Accountability in community hits different than going it alone.
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New Course Releases
New courses, workshops, and content drop regularly in the Learning Portal. Every month brings new material — check in at academy.millenniumbudget.com to see what just dropped.
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Generational Wealth Focus
This isn't just about your score. It's about building something that outlasts you — habits, knowledge, and a financial foundation your kids and their kids inherit. That's the real mission.
COMMON QUESTION
Answer Before You Start
How many rounds does the program run?
When does billing start?
Do I need SmartCredit separately?
What if items won't move after multiple rounds?
What's the difference between Blueprint and Restore?
Can couples or family members enroll together?
Ready to Start Fighting Back
Pick your plan, complete your onboarding, and let us start building your case. Twelve rounds of tools, strategy, and advocacy — all in your corner.
Millennium Budget Consulting
Build Wealth. Break Cycles. Leave a Legacy.
©2026 Millennium Budget Consulting - A GSA Financial Literacy Foundation Company | All rights reserved
Millennium Budget Consulting provides financial education and coaching services. We are not licensed financial advisors, attorneys, or credit repair organizations as defined by federal or state law. Results may vary.