Credit Repair

How it Works

Credit Analysis

Sign up for a free credit analysis. During your credit analysis, we will explore your current financial goals and identify your credit repair needs. Our trained staff will discuss the services that we offer and come up with a plan that leads you towards your financial health goals. We will also answer any questions that you may have.

Sign Up

If you qualify, you can sign up for our services after your free credit analysis. Our trained staff will walk you through how to use our online tools to ensure that you receive the full benefits of all we have to offer. Once you have been onboarded and have access to your secured client portal, our trained staff will go through your credit report line by line and make sure that every error is caught so that it can be challenged properly.

The Challenge Process

During this step, we contact the credit bureaus and start the challenge process on your behalf. Our trained staff will use their experience to ensure that every inaccurate piece of information is removed from your report. We will work with each of the credit bureaus to make sure your credit report doesn’t contain any inaccurate, erroneous false or obsolete information.

Credit Score Improves

The last step is the most fun: sit back and watch your credit score improve! Our online tracking tools give you the ability to see inaccurate and erroneous information come off of your reports in real time. These tools will also help you make wise decisions that will have a positive influence on your overall credit profile and will improve your financial health for the future. Walking you through the challenge process is only the first step in our process. We want to stay by your side to make sure your credit profile is built strong going forward.

How it Works

Credit Analysis

Sign up for a FREE credit assessment. During your credit analysis, we will explore your current financial goals and identify your credit repair needs. You will receive a pre-recorded video from one of our credit repair experts going over your credit report and your FICO credit scores. You will also receive a FREE action plan to help you with your financial goals as well as access to our FREE 30 day homeownership course.

Sign Up

After your assessment, you can sign up for our program on our website. Once you are onboarded to our program, our trained experts will walk you through how to use our online tools, provide you access to your secured client portal, and answer any questions that you may have during your Client Success Call.

The Challenge Process

During this step, we contact the credit bureaus and start the challenge process on your behalf. Our trained experts will use their experience to ensure that every inaccurate piece of information is removed from your report. We will work with each of the credit bureaus to make sure your credit report doesn’t contain any inaccurate, erroneous false or obsolete information.

Credit Score Improves

The last step is the most fun: sit back and watch our experts do their amazing work! Our online tracking tools give you the ability to see inaccurate and erroneous information come off of your reports in real time. These tools will also help you make wise decisions that will have a positive influence on your overall credit profile and will improve your financial health for the future.

To comply with federal regulations, we can only hold phone conversations with clients currently enrolled in our program. If you're a prospective client with questions before signing up, please reach out through our website chat, send us an email, or connect with us on any of our social media platforms. We’re happy to help and look forward to answering your questions!

Request your FREE Credit Analysis Today!

Why Us

Having great credit is more important than ever.
But why work with us?

Program Information

Hybrid Program

$50monthly
$99 First Work Fee
  • We create the challenge letters on your behalf and you send them out to the bureaus
  • Individualized Letters
  • Unlimited Disputes
  • Credit Education and Building
  • 24/7 Client Portal Access
  • Access To Our Client App
  • Monthly Progress Reports
  • Monthly Action Plans
Most Popular

Standard Program

$149monthly
$249 First Work Fee
  • Unlimited challenges of: Inquiries, Personal Information, Collections, Charge Offs, Repossessions, Medical Bills, Student Loans, Late Payments, Bankruptcies, Tax Liens, Evictions, Foreclosures, Child Support and ChexSystems
  • Challenges Sent Certified Mail, Faxed and Uploaded Directly to the Credit Bureaus
  • Individualized Letters
  • Credit Education and Building
  • Access to Our Client App
  • 24/7 Client Portal Access
  • Credit Monitoring Included
  • Monthly Progress Reports
  • Monthly Action Plans
  • Monthly Coaching Calls

Family Program

$229monthly
$349 First Work Fee
  • Unlimited challenges of: Inquiries, Personal Information, Collections, Charge Offs, Repossessions, Medical Bills, Student Loans, Late Payments, Bankruptcies, Tax Liens, Evictions, Foreclosures, Child Support and ChexSystems
  • Challenges Sent Certified Mail, Faxed and Uploaded Directly to the Credit Bureaus
  • Individualized Letters
  • Credit Education and Building
  • Access to Our Client App
  • 24/7 Client Portal Access
  • Credit Monitoring Included
  • Monthly Progress Reports
  • Monthly Action Plans
  • Monthly Coaching Calls

Pricing

Individual Tax Preparation

$350+
Starting Price
  • IRS Authorized E-File Provider
  • Secure Client Portal
  • File Now, Pay Later Option Available
  • Service most states

DIY Academy

So you want to fix your own credit? We have a product for you! prices for products vary
  • Self-Paced Online Course
  • DIY Credit Planner
  • How to Remove Bankruptcy Guide
  • How to Remove Repossession Guide
  • and MORE!

Small Business Tax Preparation

$600+
starting price
  • Individual & Small Business Preparation
  • IRS Authorized E-File Provider
  • Secure Client Portal
  • Service most states
  • Profit & Loss Statement Required
Most Popular

Premium Plan

$ 149
Monthly
$199 Processing Fee/Credit Audit & Analysis (Non-refundable)
  • Everything in the Basic Package PLUS
  • Unlimited challenges of: Late Payments, Student Loans, Bankruptcies, Repossessions, Evictions, Foreclosures, Child Support
  • Money Back Guarantee if No Results in 120 Days
Most Popular

VIP Plan

$ 199

monthly
$250 Processing Fee/Credit Audit & Analysis (Non-Refundable)
  • Everything in the Basic and Premium Packages PLUS
  • Lifetime access to join our Exclusive Credit Repair Facebook Group Community
  • Exclusive offers on products and services
  • Money Back Guarantee if No Results in 120 days

Celebrity Package

$ 249

monthly
$499 Processing Fee/Credit Audit & Analysis (Non-Refundable)
  • Everything in the Basic, Premium and VIP Packages PLUS
  • The CEO/Founder of Charm City Financial Group, LLC handles your challenges directly
  • Charm City Financial Group, LLC Swag Bag
  • Money Back Guarantee if No Results in 120 days
Limited Availability

Get Started Today For FREE!

Terms and Conditions  

* The price of credit monitoring is $29.95 monthly and is subject to change. Please note that credit monitoring with our preferred partner is required in order to be a client of Charm City Financial Group.

Our 100% Guarantee and Return Policy: 

You are entitled to a 100% refund on all payments and fees, if: 

You do not have any deletions on any items on your credit report that we challenge.

You have retained our services for a minimum of 120 days consecutively with no billing issues. 

You have at least four negatives on your credit report at the time of sign-up.

▪ You have not used a credit-consulting agency nor attempted to repair your credit within the past 12 months prior to signing up for our services. 

You agree to send updated reports from the three credit bureaus to us within 5 days of receipt. You should receive updated credit reports every 30-45 days and make us aware if updated  reports have not been received.

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