Build your credit.
The right way.
Personalized roadmap, dispute letters, and monthly coaching — at half the cost of credit repair companies. No advance fees. No misleading promises.
Three steps to a better score
Start free. Go deeper when you’re ready. No pressure, no contract.
Take the credit roadmap
Answer 4 questions about your starting point. Get a personalized month-by-month timeline showing your projected score range, card unlock milestones, and the exact habits that move the needle fastest.
Get your Credit Audit
A personalized PDF built from your inputs: dispute strategy for your specific negatives, a utilization schedule, card application timing, and your 670 graduation plan. Download instantly.
Stay on track monthly
Monthly check-in emails with that month’s specific actions, dispute letter support, score factor coaching, and priority response. Cancel any time — no contract, no cancellation fee.
See how we compare
Credit repair companies charge $79–$150/month for the same work. We charge less and show you exactly what you’re getting.
| YourBestCreditBuilder | Lexington Law | Sky Blue | Credit Karma | |
|---|---|---|---|---|
| Monthly cost | $0 – $47/mo | $100–$150/mo | $79/mo | “Free” (affiliate) |
| Contract required | No | Yes | No | No |
| Personalized dispute strategy | ✓ | ✓ | Limited | ✗ |
| Score roadmap tool | ✓ Free | ✗ | ✗ | Basic |
| No advance fees | ✓ | ✓ | ✓ | ✓ |
| Transparent pricing | ✓ | ✗ | Partial | ✗ |
Simple, transparent pricing
Start free. Upgrade only when you want more. No hidden fees, no automatic renewals without notice.
- Month-by-month score timeline
- Utilization calculator
- Card unlock progression
- Secured card graduation tracker
- Score factor breakdown
- Everything in Free Roadmap
- Dispute letter guide
- Utilization optimization schedule
- Card application timing plan
- 670 graduation strategy
- Pre-application score checklist
- Everything in Credit Audit
- Monthly check-in email coaching
- Dispute letter support
- Score factor action updates
- Priority response
- No contract — cancel anytime
What we will always do
No advance fees
We never charge for services before they are performed. Credit Repair Organizations Act (CROA) compliance is not optional — it is the baseline.
No score promises
We will never tell you we can raise your score by a specific amount. Your credit profile is unique and results vary. We give you the strategy — you execute it.
Cancel anytime
The Builder Monthly service has no minimum term. Cancel before your next billing date and you will not be charged. Written service agreement provided at signup.
Start with the free tool.
No account needed.
Answer 4 questions and get your personalized month-by-month credit roadmap in under 60 seconds.