Equifax · Experian · TransUnion

Finely CredPersonal credit restore

Restore the file lenders actually read.

Personal credit is the file attached to a Social Security number. We dispute what the bureau screenshots actually show, keep letters and evidence in one vault, and track every reply. Done-for-you runs from Starter through Dynasty.

Sample dispute reasonEquifax

As you can see here on Equifax, this collection is reporting with no matching account on the file.

Written from the Equifax file — not a generic “please verify.”

The software reads the bureau screenshot. The letter names what you can see.

Documented path3 bureaus

Every dispute names what appears on the screenshot — never a generic “please verify.”

First review45 days

A typical first-review window after intake. Bureau and furnisher timing still varies.

Done-for-you ladder7 tiers

Starter through Dynasty, plus a written Custom scope when the file is past a public price.

The bureau file

We dispute the reason you can see.

The system reads each bureau screenshot and writes a factual line for that file — Equifax, Experian, or TransUnion — instead of a generic please-verify letter.

Equifax

What we document

Tradelines, collections, and addresses as they appear on Equifax. Screenshots stay in the vault with the letter they support.

Already in motion

Already in a dispute? We start at your next round.

If another company already mailed Round 1, bring those letters. We pick up the file you have and open the next round. We do not pretend you never started.

Start at the next round

If Round 1 already went out, we open Round 2 on that same matter.

Protect the bureau read

We do not send a fresh first letter that the bureau treats as an entirely new file.

Keep the timeline you earned

Dates, replies, and evidence stay on the record you already have.

Restore runway

Four beats on one personal file.

Upload the reports, dispute what they show, track every reply, then escalate when a furnisher stalls. Open a beat to see the work.

01 · Upload

Upload and analyze

Import the bureau reports. We map tradelines, collections, and the targets that matter on your file.

  • Report upload + parsing
  • Tradeline targeting
  • Identity + address docs

Drop the bureau file in chat. We read it and return a short snapshot. The full credit analysis opens with a free partner account.

Packages

Choose the depth the file actually needs.

Letter, Vault, and Runway are the three most-chosen starts. Open the ladder below to compare every done-for-you price.

Quick tier preview

Vault
Most chosen
$500 a round
3 rounds · $1,500 total · billed after each round's work
Fast track available: same total, done sooner

Pro

Deeper restore + stronger positioning

  • All Credit Starter features
  • 3 dispute rounds, billed one at a time
  • Evidence vault & organization
Runway
Elite
$500 a round
6 rounds · $3,000 total · billed after each round's work
Fast track available: same total, done sooner

Elite

Maximum restore + high-touch support

  • All Credit Restore features
  • Dedicated case manager
  • Quicker follow-up on every bureau reply
Letter
Starter
$250 a round
3 rounds · $750 total · billed after each round's work
Fast track available: same total, done sooner

Starter

Entry DFY restore package

  • Restore workflow setup + roadmap
  • Guided negative item strategy (case-dependent)
  • Evidence organization + templates

Premium restore

Above Elite: Supreme, Premier and Dynasty.

For heavier files: 8 rounds, more room in every round, and more hands on your file. Still billed one round at a time, only after the work. Fast track on every one.

Supreme$625 a round8 rounds · $5,000 total · billed after each round's work
  • 8 rounds instead of 6, so more of a heavy file gets disputed
  • A second check on every letter before it is mailed
Fast track: 4 rounds of $1,250
Premier$875 a round8 rounds · $7,000 total · billed after each round's work
  • Room for more items in each of the 8 rounds
  • A written update from your case manager after every round
Fast track: 4 rounds of $1,750
Dynasty$1,250 a round8 rounds · $10,000 total · billed after each round's work
  • The most room for items in each round, with priority handling
  • Follow-up letters when a company stalls, and our longest support window
Fast track: 4 rounds of $2,500

Compare all done-for-you tiers

Select a tier on the left. The inspector shows who it is for and what you purchase.

Selected tier
$500 a round
3 rounds · $1,500 total · billed after each round's work
Fast track available: same total, done sooner

Advanced Credit Restore — Pro

Deeper restore + stronger positioning

Best fit

A multi-account file that needs recurring rounds and active tracking.

3 rounds of $500, each billed after its letters are mailed. $1,500 total.

  • All Credit Starter features
  • 3 dispute rounds, billed one at a time
  • Evidence vault & organization
  • Progress tracking dashboard
  • Priority support
Custom quote

Advanced Credit Restore — Custom

Beyond Dynasty, there is no artificial public ceiling. We review the file, document the deliverables, and then scope the engagement around the work actually required.

Custom engagement, scoped after intake
File architectureTradelines, collections, bureau variance, and evidence load are mapped first.
Execution depthRounds, quality cadence, documentation, and escalation readiness are written into scope.
Support windowTimeline and specialist touchpoints are sized to the actual file, not a generic tier.
Approved termsPricing and payment timing are confirmed only after deliverables are documented.

A written scope is required. Payment terms follow approved deliverables.

Not sure which tier fits? — we will match your file to Starter, Pro, Elite, Supreme, Premier, Dynasty, or Custom.

Questions

Straight answers before you start

Done-for-you or do-it-yourself — which should I pick?

Choose done-for-you if you want our team to run disputes, tracking, and escalation. Choose do-it-yourself if you prefer templates, letter packs, and platform tools while you drive the workflow.

What are the done-for-you restore tiers?

Starter, Pro and Elite, then the premium plans Supreme, Premier and Dynasty for heavier files, with a written Custom scope beyond Dynasty. Every tier is billed per round: a round is billed only after its letters are mailed and logged, and nothing is charged up front.

Can the work go faster if I pay more at a time?

Yes, with Fast track: fewer, bigger rounds for the same total. Each Fast track round disputes about twice the items and is still billed only after its letters are mailed, never in advance. The bureaus still take about 30 days to look into each dispute, so the time saved comes from needing fewer rounds. You choose your pace when you sign, and you can speed up your next round later.

How fast will I see movement?

Bureau and furnisher response times vary. Many partners see movement in the first review window after intake.

Is this legal advice?

No. Finely Cred provides an educational dispute workflow and document tools. A licensed attorney handles legal advice when you need one.

I already paid another company — do I start over?

No. If Round 1 already went out, we open the next round and inherit the letters you already mailed. We do not pretend you never started.

Ready to restore your file?

Start with the free guide, compare the restore ladder, or book a session. Credit building is a different product — utilization and tradelines after the file is clean.

Personal credit restoreA free restore sheet: the process, the page counts, and no signup required.Personal credit buildUtilization and tradelines after the file is clean.

Results vary · not legal advice · funding subject to underwriting

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