What full-service repair is
You authorise us, in writing, to dispute information on your credit reports that you believe is inaccurate, incomplete or unverifiable — with the credit bureaus and, where appropriate, with the companies that furnished the information. Rounds run on a roughly 45-day cycle; each round is verified against a fresh pull of your reports, and you receive a written progress summary every month. Between rounds we coach the rebuild: utilisation, payment architecture and positive history.
What it is not: we cannot remove accurate information, we cannot make a bureau answer faster than the federal investigation clock, and we will not dispute an item you confirm is accurate in the hope of a procedural slip. A service that will dispute anything is not doing you a favour — it is creating a paper trail with your name on it.
The three plans
Tier 1 — Reports & Rounds
Three-bureau dispute rounds on the standard cycle, furnisher disputes, re-disputes supported by new evidence, client portal access and the monthly written progress summary.
Tier 2 — Reports, Rounds & Rebuild
Everything in Tier 1, plus creditor-intervention and goodwill letter work, utilisation coaching and a written positive-history build plan matched to your file (see Rent Reporting & Credit Builders).
Tier 3 — Full File
Everything in Tier 2, plus inquiry challenges, collections-negotiation coaching (coaching and letter support — we are not a debt settlement company and never take possession of your funds), dedicated review calls, and priority handling when you are working toward a dated goal such as a mortgage or auto purchase.
Pricing: your plan, its monthly fee and the total of all payments are stated in your written agreement after your free analysis and before you sign — never after. Plans are month-to-month in structure: a first-work fee (equal to one month) billed only after that work is fully performed and documented, then monthly billing in arrears for work just completed. Total engagement is capped at 12 monthly billings; continuing past that requires a fresh analysis and a fresh agreement. If a month passes with no round or documented work product delivered, that month is not billed.
The 90-day commitment we can make
We cannot promise deletions. What we can promise is about our work: if, in your first 90 days of active rounds, no item is deleted or updated on any of your three reports, you may claim a refund of the fees you paid — the one condition, stated here and in the agreement in plain language, is that you kept three-bureau monitoring active so the rounds could be verified. A refund of fees for work that produced no change is a service commitment. It is not, and never becomes, a score guarantee.
Who should not enroll
- Identity-theft victims, first: start with the free federal recovery plan at IdentityTheft.gov — see Your Rights. We will help with education before anyone talks about a paid plan.
- Open bankruptcy case: talk to your attorney first. We do not enroll clients in an active case.
- Files that are accurate: if the analysis shows your negative information is accurate, the honest product is coaching, not disputes — and the analysis will say so.
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.