Programs & pricing

Choose the right program for your goals.

Q: Are there other costs?

The only other required cost is the SmartCredit® Premium membership ($49.99/month), billed directly by SmartCredit while you're enrolled. There are no other required fees.

Clear pricing and honest expectations. Every program includes done-for-you disputes, updated reports after each round, your Credit Tracker dashboard, and our 90-Day Money-Back Guarantee.

Silver

$1,500program fee

or 6 × $250/mo ($1,500 total)

Plus SmartCredit^® Premium membership (opens in a new tab), required for all programs ($49.99/month, billed directly by SmartCredit).

Affordable professional credit consulting and dispute assistance at our most accessible price.

90-Day Money-Back Guarantee · see policy

Included

Full credit analysis
Credit monitoring setup
Negative item review
Credit strategy plan
Monthly progress tracking
Dispute processing handled by our team
Collections review
Charge-off review
Inquiry challenges
Personalized credit roadmap
Mobile app access

Enroll in Silver or Book a Free Consultation

Gold

$2,500program fee

or 6 × $417/mo ($2,502 total)

Plus SmartCredit^® Premium membership (opens in a new tab), required for all programs ($49.99/month, billed directly by SmartCredit).

A fully managed credit consulting experience with ongoing support throughout the restoration process.

90-Day Money-Back Guarantee · see policy

Included

Full-service credit consulting
Unlimited negative items reviewed
Collections review
Charge-off review
Repossession review
Late payment review
Inquiry challenges
Bankruptcy review
Monthly strategy updates
Dedicated support team
Mobile app access
Priority processing

Enroll in Gold or Book a Free Consultation

Platinum

$3,500program fee

or 6 × $584/mo ($3,504 total)

Plus SmartCredit^® Premium membership (opens in a new tab), required for all programs ($49.99/month, billed directly by SmartCredit).

The highest level of personalized support: advanced optimization, funding and mortgage preparation, and direct access to Junior.

90-Day Money-Back Guarantee · see policy

Everything in Gold, plus

Personally managed by Junior Rangel
Priority VIP processing
Direct access to Junior
Monthly private strategy calls
Advanced credit optimization
Funding preparation strategy
Mortgage preparation
Business funding preparation
Access to lending network
Funding opportunities for qualified clients

Enroll in Platinum or Book a Free Consultation

Secure checkout. Questions first? Book a free consultation.

Required for all programs: active credit monitoring. All clients keep an active SmartCredit^® Premium membership ($49.99/month, billed directly by SmartCredit) throughout the program. This lets our team securely view your reports, analyze updates, and process disputes without impacting your score. Sign up with our partner link (opens in a new tab).

Stay The Course Society is not a law firm, does not provide legal advice, and is not affiliated with any credit bureau or government agency. You have the right to dispute inaccurate information on your credit report yourself at no cost. Results vary; we cannot guarantee any specific outcome, score increase, or removal of accurate, timely information.

Compare

Compare programs.

Features included in Silver, Gold and Platinum
Feature	Silver $1,500	Gold $2,500	Platinum $3,500
Full credit analysis & strategy plan	Included	Included	Included
Dispute processing handled by our team	Included	Included	Included
Collections & charge-off review	Included	Included	Included
Inquiry challenges	Included	Included	Included
Credit Tracker dashboard & mobile app access	Included	Included	Included
Monthly progress tracking	Included	Included	Included
Unlimited negative items reviewed	Not included	Included	Included
Late payment, repossession & bankruptcy review	Not included	Included	Included
Monthly strategy updates	Not included	Included	Included
Dedicated support team	Not included	Included	Included
Priority processing	Not included	Included	Included
Personally managed by Junior Rangel	Not included	Not included	Included
Monthly private strategy calls	Not included	Not included	Included
Advanced credit optimization	Not included	Not included	Included
Funding, mortgage & business funding preparation	Not included	Not included	Included
Access to lending network	Not included	Not included	Included
90-Day Money-Back Guarantee	Included	Included	Included

The Stay The Course Guarantee

90 Days. Real Results.
Or Your Money Back.

Every credit repair plan comes with our 90-Day Money-Back Guarantee. If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports within 90 days of enrollment, you can request a full refund of the program fees you paid.

No runaround: email us within 30 days after your 90-day period ends, and approved refunds go back to your original payment method within 10 business days.

Book a Free Consultation Read the full guarantee terms

All three plans

Silver, Gold and Platinum credit repair programs are all covered.

90 days from enrollment

If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports, you can request a full refund of program fees paid.

In writing

It's part of your contract, alongside your right to cancel within 3 business days of signing.

The guarantee doesn't promise a specific score increase or the removal of accurate information, and it doesn't cover SmartCredit^® fees, which are paid directly to SmartCredit. Full terms.

Program terms

What to expect

Timeline: dispute rounds take about 30–45 days each. Some clients see updates after the first round; more complex files may take 3–6 months.
Month 1: onboarding, full audit of your three-bureau reports, and your first round of disputes.
Each following round: an updated report showing what was deleted, and an adjusted strategy.
Payment: Your total cost, payment terms, services, and timeline are spelled out in your written contract.
Cancel: without penalty within 3 business days of signing (see Notice of Cancellation), or contact us any time to stop services.

Your rights

Before you sign, you'll receive the written Consumer Credit File Rights Under State and Federal Law disclosure required by the Credit Repair Organizations Act.

FAQ

Pricing questions

What does the 90-day guarantee cover?

If no inaccurate, unverifiable, or outdated negative item is removed from any of your credit reports within 90 days of enrollment, you may request a full refund of program fees paid. It applies to Silver, Gold, and Platinum. It doesn't cover SmartCredit fees, which are paid to SmartCredit, and it doesn't promise a specific score increase. Full policy.

Can I cancel?

Yes. You can cancel without penalty or obligation within 3 business days of signing your contract, for any reason. See your right to cancel. You can also contact us at any time to stop services.

Do you offer payment plans?

Yes. Every plan can be paid in full or in 6 monthly payments: Silver 6 x $250 ($1,500), Gold 6 x $417 ($2,502), Platinum 6 x $584 ($3,504). Choose your option at checkout.

Are there other costs?

The only other required cost is the SmartCredit^® Premium membership ($49.99/month), billed directly by SmartCredit while you're enrolled. There are no other required fees.

Which program is right for me?

That's exactly what the free consultation is for. We'll review your credit report together and recommend the level of support that fits your goals.

Free consultation

Not sure which program fits?

Book a free consultation and we'll review your credit report together and recommend the right level of support. No obligation.

Book a Free Consultation Call (510) 205-7587

Choose the right program for your goals.

Silver

Gold

Platinum

Compare programs.

90 Days. Real Results.Or Your Money Back.

All three plans

90 days from enrollment

In writing

What to expect

Your rights

Pricing questions

Not sure which program fits?

90 Days. Real Results.
Or Your Money Back.