850 FICO CLUB
Credit Is King & Cash Is Power
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4.9 / 5 Rating
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✦ MONTHLY PLAN

850 Club Membership

Full-Service Credit Restoration

Full-service credit restoration, round after round, until you reach your goal.

Disputes sent to Equifax, Experian & TransUnion every 30–35 days
Unlimited items challenged: late payments, collections, charge-offs, inquiries & public records
Debt validation & goodwill letters sent to your creditors
Monthly progress report + score review
Rent reporting setup to add positive payment history
Authorized user tradeline strategy guidance
Lender handoff when you're mortgage or auto ready
24/7 client portal access
MONTHLY MEMBERSHIP
$149/mo

per month · + $34.95/mo SmartCredit monitoring

$0 to get started. No setup fee. Your first payment runs only after your first dispute round is mailed.

SmartCredit monitoring ($34.95/mo) is billed separately by the monitoring provider and is not included in the advertised price.

Membership: $149.00/mo
No charge before the contracted work is performed

Order & Payment Information

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Official Policies:Service AgreementPrivacy PolicyTerms of ServiceNotice of Cancellation

850 FICO Club does not guarantee specific results or score increases. We challenge information on your credit reports that you believe is inaccurate, incomplete, or unverifiable; accurate, timely information cannot be removed. In accordance with the Credit Repair Organizations Act, no fees are charged before services are performed. You have the right to dispute information on your credit report yourself at no cost, and you may cancel your contract within 3 business days of signing without penalty or obligation. Smart Credit monitoring is billed separately by the monitoring provider.