When the file is accurate, the answer is a rebuild
A large share of the people who ask about credit repair do not have a dispute problem — they have accurate late payments, high utilisation and thin positive history. Disputing accurate information is not a strategy. Coaching is the honest product for that file: a structured rebuild of the habits and account architecture that scoring models actually read.
The 90-Day Rebuild Sprint
- Utilisation engineering — per-card and aggregate balances, statement-date versus due-date mechanics (the full method is Guide #2, Utilisation & Scoring Mechanics)
- Autopay architecture so a payment can never be late by accident again
- Builder-product sequencing — at most two builder products at a time, matched to your file (see Rent Reporting & Credit Builders)
- A written 90-day calendar: what to pay, what to open, what to leave alone, and when to re-pull
The sprint is a fixed-scope engagement, billed in monthly instalments in arrears — you are never asked to pay for coaching that has not happened yet.
Analysis + Plan session
The free analysis, upgraded: a 45-minute review of your three reports with a written 120-day action plan you keep whether or not you enroll in anything. The session is billed when it is delivered — performed first, charged second, like everything here.
For employers & groups
Through Legacy Wise, employers, unions and member organisations can offer credit review as a benefit: free analyses for their people, a quarterly education session, and entirely voluntary individual enrollment. The organisation never sees individual data and participation is never reported back person by person. Call (929) 244-0744 to discuss a group arrangement.
The honest fine print — up front
You can dispute credit report errors yourself, for free, without paying any company — the federal AnnualCreditReport.com site and the Consumer Financial Protection Bureau explain how. No credit repair company, including Fiscally Fit, can remove accurate, current, verifiable information from a credit report, and no one can legally promise you a specific credit score, a deletion, or a date by which your credit will change. We sell the work, the organisation and the follow-through of disputing information you believe is inaccurate, incomplete or unverifiable — never an outcome. Fiscally Fit is a credit services organisation, not a law firm, tax advisor, mortgage lender or debt settlement company, and nothing on this site is legal, tax or investment advice.