One-Time Payment90 Day Credit Reset
A focused, three-month credit repair program designed to remove what's holding you back and set your score on the right path.
- Full audit of all three bureaus
- Aggressive disputes for 90 days
- Your personal 90 Day Action Plan
- 1What you get
- 2How it works
- 3Your plan
- 4Join us
What You Get
90 Days of Credit Repair
A full three months of dedicated dispute work on your credit file.
Full File Audit
I review all three bureaus and identify every item holding your score down.
Aggressive Disputes
Inaccurate, outdated, and unverifiable items challenged across all bureaus.
Ongoing Guidance
Step-by-step coaching so you know exactly what to do and when.
Re-Dispute Warranty
If a deleted item reappears during your term, we dispute it again at no extra cost.
Credit Monitoring Required
Active $29.95/mo credit monitoring is required so we can track and respond to changes on your file.
Real Results
Built on the same process that has helped clients reach 700+ scores.
Here's exactly how this works
No mystery and no disappearing act. You will always know where you stand and what happens next.
- 1
You enroll
Secure your spot with the one-time $299 payment and we get your 90 days started.
- 2
We schedule your onboarding call
Once you pay, we book a call to go over your file, your goals, and exactly how we work together.
- 3
You get your 90 Day Action Plan
A personalized plan that shows the accounts to pay off, how to rebuild your profile, and which items we are going after.
- 4
You get monthly updates
Every month you see what moved, what is still in progress, and what to do next. No guessing.
I will never ghost you
Text me or reach me in Skool, Monday - Friday, 10am to 6pm (ET). Anything that comes in after hours gets answered the next business day. Let's get your 90 Day Reset started.
How Long Each Item Takes
These are the ranges I see most often. Disputes are mailed in rounds and every bureau answers on its own clock, so the clock starts when the first round goes out.
Collections and hard inquiries
About 90 days
Late payments
3 to 6 months
Excessive late payments (open accounts)
6 to 12 months
Bankruptcies
6 to 12 months
High balances
3 to 12 months
Repossession
3 to 12 months
Foreclosures
3 to 12 months
Ready to start your 90 days?
Your spot includes the audit, disputes, and your personal action plan.
Your personalized 90 Day Action Plan
After your onboarding call, I build you a plan like this one. This is a sample, your plan will be built from your own credit reports.
CREDIT WITH KESHA
Prepared For
Jane Doe
Your Agent: Roselyn David
ACTION
PLAN
Oct 22, 2026
Credit Scores & Overview
Equifax
Oct 22
Experian
Oct 22
TransUnion
Oct 22
Avg Score
Oct 22
Category
Impact
Total Late Accounts
4Poor, heavily impacted
Cards Over Limit
22 cards over the limit
Credit Utilization
81%Overused, reduce balance
Derogatory Marks
7Collections reported
Credit Mix
1Healthy mix of accounts
Total Inquiries
2Moderate, past 12 months
Action Plan Summary
Setting and achieving your goals.
Your credit health is a habit, not an event. Small consistent moves on balances and payments do more for your score than anything else on this page.
Special Note from Your Agent:
Text me before you apply for anything new. Every hard inquiry counts while we clean up the file.
Boom - Rent Reporting
Add your rent payments to your credit file and build history every month.
Click Here for DetailsThings you can do to help your score
Account Over Credit Limit
Reduce usage immediately.
Min Goal
Under Limit
Balance of $731.00 is over the $700.00 limit. Pay at least $31.00 to get back under it.
Credit builders to add
Self
Builder loanMonthly payments report as an installment account.
Cred.ai
Debit cardNo credit check. Reports low usage while you spend your own money.
Chime Credit Builder
Secured cardSpend from your deposit and build payment history.
Add one or two, not all at once. Ask me first.
Things we can help you with
Disputable Accounts
Fix incorrect account details so reporting is accurate.
Item
Type
Collection Account
Collection
Late Payment 30 days
Installment
Hard Inquiry
Inquiry
Bureau initials show where each item is being challenged.
Sample report. Your plan is built from your own credit reports.
You also get my community
Your 90 days is about more than disputes. You learn, ask questions, and grow alongside me.
Daily gems in my free group
You get into my free group where I show up every day and drop gems.
Homebuyer class
A mini class that walks you through buying a home, from contract to closing.
Another stream of income
A mini class on building another stream of income.
Credit basics
A mini class that breaks down how credit really works.
A look inside my group
This is what I post and share with members, so you know exactly what you are getting access to.
Ready to Reset Your Credit?
Enroll today for a one-time payment of $299 and get 90 days of dedicated credit repair. A $29.95/mo credit monitoring subscription is required to participate.