The Credit Lab logoThe Credit Labby Jaz
Pricing & Plans

Simple, honest pricing

Choose the plan that fits your goals — month-to-month or a discounted multi-month plan. Start with a $50 consultation.

$50 Consultation Fee

A full tri-bureau review with Jaz where we map your plan and recommend the right program. Credited toward your start.

Monthly

$125/ month

Flexible, month-to-month credit repair with no long-term commitment.

  • Tri-bureau analysis & action plan
  • Strategic, compliant disputes each cycle
  • Progress updates every round
  • Cancel anytime
Save vs Monthly

3 Months

$350/ 3 months

A focused sprint to clear negatives and build early momentum.

  • Everything in Monthly
  • Three full dispute rounds
  • Priority handling
  • Works out to ~$117 / month
Most Popular

6 Months

$500/ 6 months

Our most popular plan — enough time to see real, lasting change.

  • Everything in 3 Months
  • Six full dispute rounds
  • Credit-building guidance
  • Best balance of time & value (~$83 / month)
Best Value

12 Months

$800/ 12 months

The full transformation — maximum rounds at the best monthly value.

  • Everything in 6 Months
  • A full year of dispute rounds
  • Ongoing credit coaching
  • Lowest monthly cost (~$67 / month)
Premium

Sweep Method

$1,350one-time

Our most aggressive, all-in approach for heavy reports that need fast, comprehensive action.

  • Comprehensive tri-bureau sweep
  • Aggressive, high-volume disputes
  • Personal & collections strategy
  • Priority, hands-on attention from Jaz

Not sure which fits? Start with a $50 consultation and we'll build the right plan together.

Real Client Reports

The proof is in the reports

Actual tri-bureau and progress reports from real rounds — deletions, score jumps and clean-ups. Names and personal details removed for privacy.

SmartCredit tri-bureau report showing scores of 783, 792 and 783

+159 / +163 / +158

Tri-bureau jump into the 780s

Experian progress report showing a 641 score, up 156 points with 16 items deleted

16 items deleted

Experian +156 with collections & inquiries removed

SmartCredit tri-bureau report showing scores of 759, 722 and 757

759 · 722 · 757

Climbing into the high-700s across all three

TransUnion progress report showing a 610 score, up 130 points

+130 points

TransUnion +118 total with multiple deletions

SmartCredit tri-bureau report showing 48 disputes deleted

48 disputes deleted

One round, real deletions across the board

Equifax progress report showing a 636 score and items deleted

Equifax progress

Tradeline cleaned up and utilization addressed

IdentityIQ tri-bureau report with Experian up 115 points

Experian +115

Early-round movement across the bureaus

Tri-bureau report showing scores up over 100 points each

+104 · +105 · +106

Steady triple-digit gains, all three bureaus

MyFreeScoreNow tri-bureau report with 31 disputes deleted

31 disputes deleted

Clean import with negatives falling off

Results vary by profile · No specific score increase is guaranteed

FAQ

Your questions, answered

Everything you need to know before booking your free consultation.

Now booking new clients

Your consultation is the first step to a new financial life

In your $50 consultation we'll review your three reports together, map your plan and recommend the program that fits your goals and budget.

100% confidential · CROA compliant · Cancel anytime