Credit Wellness Inc.
Understanding Our Process Before You Begin
Clear, transparent answers about our services, billing, enrollment, and compliance.
Getting Started
Schedule your free 20–30 minute strategy call. During the call, we review your 3-bureau credit report live and determine next steps.
• 3-bureau overview review
• Identification of key reporting concerns
• High-level strategy guidance
• Determination of fit
The call is limited to 20–30 minutes.
Documents & Access:
• 3-bureau credit report
• Completed intake forms
• Signed service agreement
• POA (if applicable)
Financial Commitment:
• $125 onboarding fee
• $149 monthly service fee (if enrolled by May 31, 2026)
Client Participation:
• Active communication
• Timely document submission
• Responsible financial behavior
Enrollment is voluntary. No guarantees are provided.
Ongoing structured credit strategy services are currently offered at $149 per month.
This rate is available to clients who enroll on or before May 31, 2026. Clients who enroll by this date retain the $149 monthly rate as long as services remain active and in good standing.
Future pricing for new enrollments may vary. All pricing is clearly disclosed prior to signing your service agreement.
Before You Book
• A full 3-bureau credit report is required for your strategy call.
• Detailed instructions and the approved monitoring link will be sent after booking confirmation.
• The strategy call is limited to 20–30 minutes
• No guarantees are provided
• Active participation is required
• This is not legal representation
About Our Services
We are an education-first credit strategy company. Clients submit dispute correspondence in their own name. No deletions or score increases are guaranteed.
No. Results depend on reporting accuracy, creditor response, utilization, and financial behavior.
No. Clients remain responsible for their lawful financial obligations.
Timelines vary depending on individual reporting circumstances. We do not offer overnight results.
Score movement is possible during the process depending on reporting updates and utilization changes.
You will receive ongoing updates throughout your enrollment. Your online portal will reflect your most recent scores and account activity as they update. You may also receive email notifications regarding work in progress. In addition, the credit bureaus will mail official correspondence directly to you. If you prefer to speak with someone, you may contact our office support team to discuss your account and any questions you may have.
Billing & Payments
Written notice must be submitted at least 7 days prior to your next billing date. Clients remain responsible for any services already rendered prior to cancellation.
Refund requests are reviewed according to your signed service agreement. The onboarding fee may be non-refundable once administrative processing has begun.
The strategy call is free. The $125 onboarding fee is due at enrollment. Monthly billing terms are outlined clearly in your signed agreement.
Yes. Payments are processed through encrypted and secure platforms. We do not manually store card information.
Digital Educational Products
Yes. The free 25-page Credit Wellness Starter Guide is an educational resource available on our homepage and does not require service enrollment.
The $17 bundle includes downloadable educational credit guides designed for structured, self-paced learning. Bundle contents may expand as additional educational resources are added. Current bundle pricing and included materials are displayed on the product page at the time of purchase.
No. Due to the digital nature of downloadable products, all ebook sales are final and non-refundable.
Legal & Compliance
Our services reference consumer rights under:
• The Fair Credit Reporting Act (FCRA)
• The Fair Debt Collection Practices Act (FDCPA)
Credit Wellness Inc. is not a law firm and does not provide legal advice.
File a report at IdentityTheft.gov, consider filing a police report, and place a fraud alert before proceeding.
You may need licensed legal counsel. We do not provide legal representation.
Legal Disclaimer
Credit Wellness Inc. provides educational and strategic credit guidance only. We are not attorneys and do not provide legal advice. Results vary based on individual credit profiles.