Rise Up Credit's 3-Month Credit Repair Program gives us the time and access to work your file aggressively, consistently, and thoroughly — across all 3 bureaus — so your credit profile is truly transformed, not just patched.
* Individual results vary. Timelines are not guaranteed. We dispute inaccurate, unverifiable, or outdated items only.
Rise Up Credit — 3-Month Program
One-time flat fee · + $29.90/mo credit monitoring required (120 days)
📊 Credit Monitoring Required: An active My Free Score Now monitoring subscription ($29.90/mo) is required for the full 120 days. This gives us live access to your reports and tracks every bureau response in real time.
💳 Buy Now, Pay Later — Available at Checkout
Split your $397 into smaller payments at checkout. Select your preferred option when you arrive at the payment page.
🔒 Secure checkout · You'll hear from us within 24 hrs
Low credit scores aren't just embarrassing — they're expensive. Here's what they're quietly costing you:
Denied for apartments even when you can afford the rent
Paying 20–30% interest on loans when you should be paying 6–8%
Stuck with secured cards, tiny limits, and no real credit building
Job applications flagged or rejected because of your credit history
Higher insurance premiums in many states tied to your credit score
Feeling stuck — like the system wasn't built for people like you
Three months gives us the time to dispute multiple rounds, track bureau responses, adjust strategy, and build real lasting results on your credit profile.
Full 3-bureau analysis, monitoring setup, personalized dispute strategy built, and first round of aggressive dispute letters filed across Equifax, Experian, and TransUnion simultaneously.
Bureau responses reviewed and tracked. Items removed or corrected are noted. Second round of disputes filed targeting remaining negatives and any new inaccuracies discovered. Score-building roadmap activated.
Final dispute round completed. Your finished credit profile is cross-matched against our lender and credit card network so you know exactly which doors are now open to you. Full wrap-up and next steps delivered.
No mystery, no runaround. Here is the exact process from Day 1 through Day 120.
You receive your welcome email within 24 hours. We walk you through setting up your My Free Score Now monitoring subscription ($29.90/mo) and collect your required documents — photo ID, SSN proof, and address verification.
We conduct a complete review of your Equifax, Experian, and TransUnion reports. Every inaccurate, unverifiable, and outdated item is identified and a customized dispute strategy is built specifically for your file.
First round of aggressive, legally grounded dispute letters filed across all 3 bureaus simultaneously. Bureaus are required by law to investigate within 30 days. Many clients begin seeing first results — deletions, corrections, status changes — within this window.
Bureau responses reviewed and documented. Items successfully removed are noted. Round 2 disputes filed targeting any remaining negatives, items that came back verified, and newly discovered inaccuracies. Score-building roadmap delivered and activated.
Final dispute round completed. Additional bureau responses reviewed. Your credit-building plan is assessed and adjusted based on real progress. Profile positioning begins — we evaluate where your score and profile now stand.
Your finished credit profile is cross-matched against our curated lender and credit card network. You receive a full wrap-up summary, your lender match results, and a clear roadmap for what to do next to keep your score growing long after the program ends.
Complete review of Equifax, Experian, and TransUnion with a plain-English breakdown of exactly what is hurting your score and why.
Up to 3 rounds of aggressive, legally grounded dispute letters across all 3 bureaus — we do not stop after one cycle the way most companies do.
A personalized step-by-step plan to add positive history and grow your score — designed for real budgets and real life.
Direct access to our team for the full 120 days — ask questions, get updates, and stay on track as your reports change.
Once your profile is repaired we cross-match it against our lender and credit card network so you know exactly what you now qualify for.
Our comprehensive guide on how credit actually works, what to avoid, and how to protect and grow your score going forward. Yours to keep forever.
Your My Free Score Now monitoring subscription notifies you the moment a bureau updates your file — so you never miss a win.
Split your $397 into smaller payments at checkout using Afterpay, Klarna, or Zip — making this program accessible no matter your budget right now.
An active My Free Score Now monitoring subscription is required for the full 120 days. This is not included in the $397 flat fee — it is a separate $29.90/mo plan billed directly by My Free Score Now. It gives us live access to your 3-bureau reports, dispute responses, and score changes throughout the entire program. We will help you set it up within 24 hours of enrollment.
We use an aggressive, legal dispute process under the Fair Credit Reporting Act (FCRA). With 3 full months and multiple dispute rounds, we have significantly more time and opportunity to work your file than a standard 60-day program.
That said, we will never overpromise. Credit repair results depend on what is actually on your report, how the bureaus respond, and how consistently you follow the credit-building plan. We dispute inaccurate, unverifiable, or outdated items only — we cannot remove accurate, verified negative information.
What we can promise: a real strategy, multiple dispute rounds, consistent support, lender matching on the back end, and a team that works hard every step of the way.
One flat fee. Multiple dispute rounds. Lender matching on the back end. No surprises.
One-time · Flat rate · No recurring fees from Rise Up Credit
💳 Buy Now, Pay Later — Available at Checkout
Split your $397 into smaller payments at checkout. Select your preferred option when you arrive at the payment page. Subject to approval by respective providers.
🔒 Secure checkout · We'll reach out within 24 hours to get you started
Three months. Multiple dispute rounds. Real support. Lender matching on the other side. And now you can split the cost at checkout. This is the full program — and it starts today.
Start My 3-Month Program →Questions before enrolling? Email us at [email protected]