Repair · Counsel · Rebuild · Rise
Start with a free Credit Review: we read your whole picture and tell you honestly whether you need repair, counseling, or neither. Written rights before any enrollment; work performed and documented before any charge.
Done-for-you dispute rounds against information you believe is inaccurate, incomplete or unverifiable — organised, written and followed through on a roughly 45-day cycle, with a written progress summary every month. Billed monthly in arrears, only for work actually performed.
One-on-one budget and credit guidance, education-first: a counselor reads your whole picture — reports, balances, income, goals — and builds the plan with you. The free Credit Review & Repair Consultation is the front door, and for many people counseling is the whole answer.
Prefer to run your own disputes? A guided letter library, a monthly group walkthrough and one human file review every quarter — the system and the checkpoints, without the done-for-you price.
For files where the information is accurate and the answer is a rebuild: a 90-day sprint covering utilisation, payment architecture and builder-product sequencing — plus one-off analysis sessions with a written action plan.
Current three-bureau data is what makes dispute rounds verifiable. Monitoring is provided and billed by specialist partner companies — never by us — and we explain the options, including the free federal reports.
Six plain-English guides — dispute letters, scoring mechanics, collections, bankruptcy recovery, business credit and the truth about tradelines — written to the same honesty rules as everything else we sell.
A coaching-led track for owners: entity and record hygiene, D-U-N-S, Net-30 vendor sequencing and business bureau files — foundations first, no funding promises.
Optional add-ons from specialist providers that can put rent payments and small builder tradelines on your reports — sequenced inside your plan, never sprayed at you as links.
The federal Consumer Credit File Rights statement in plain English, our red-line commitments, and the free federal path for identity-theft victims. Read this page before you pay anyone in this industry — including us.
Credit services are regulated state by state. We serve states as our registrations and each state's requirements are completed, and we will tell you up front if we cannot serve your state yet — you will be waitlisted, never enrolled. (Georgia is excluded: for-profit credit repair is prohibited there.) Suspect identity theft? Do not enroll in anything — start with the free federal recovery plan at IdentityTheft.gov, and see Your Rights.
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.