Did you know that
8 out of every 10 people
have errors in their credit report?
Then Credit
Fix what’s hurting your credit. Build what comes next.
Clear options, honest expectations, and a step-by-step plan that makes sense—even if credit feels confusing right now.
Start in the right order
Three simple steps. You stay in control.
Monitoring gives us the reports we need. Then you can schedule an analysis—or skip the analysis and sign up directly if you already know what you want.
Step 1
Start monitoring
Choose a service below so your three-bureau reports are ready to review.
Step 2
Schedule a $25 analysis
After monitoring is active, we review the reports and explain what to tackle first.
Step 3
Choose your support
Pick guided monthly support, pay per delete, or a do-it-yourself option.
MyScoreIQ
$1 for 7 days, then $34.99/month
Uses FICO scores and gives access to your three-bureau reports.
Start MyScoreIQCreditHeroScore
$1 for 7 days, then $27.99/month
Uses VantageScore and gives access to your three-bureau reports.
Start CreditHeroScoreScoreFusion
$24.99 per month, no trial period
A straightforward monitoring option when you prefer to skip the trial.
Start ScoreFusionIDIQ / IdentityIQ
$29.86 per month after a 7-day trial
Three-bureau monitoring with Spanish enrollment available for Spanish-speaking customers.
Start IDIQMonitoring is provided by independent third parties. Some links are affiliate links, which means Mr Then Consulting may receive compensation if you enroll, at no additional cost to you.
Ready for your credit analysis?
The 25-minute analysis is $25. We will review what is reporting, explain the priorities in plain language, and recommend the best next step.
Already know which plan you want?
You can skip the analysis and go straight to enrollment.
Guided support
Pick the amount of help you want.
Every plan focuses on accurate documentation, practical coaching, and a strategy built around your reports. Monitoring is separate unless the plan says it is included.
Standard
$85 / month
$150 one-time setup / first work fee
- Up to 5 eligible accounts per month
- Quarterly strategy meeting
- Standard fact-based dispute strategy
- Chat and email support
- Monitoring purchased separately
See everything included
Best for: a smaller group of eligible accounts and steady quarterly guidance.
- Up to 5 eligible accounts reviewed in each monthly cycle
- No inquiry disputes included
- One strategy meeting every quarter
- Standard fact-based review and documentation
- Chat and email support
- Three-bureau monitoring is purchased separately and must stay active
Professional
$105 / month
$250 one-time setup / first work fee
- Unlimited eligible accounts per month
- Up to 5 inquiries per month
- Monthly strategy meeting
- Custom fact-based strategy
- Chat, email, and text support
See everything included
Best for: more accounts, some inquiries, and monthly guidance.
- Unlimited eligible accounts per monthly cycle, based on what is reporting and the strategy
- Up to 5 inquiry disputes per month
- One strategy meeting every month
- Custom fact-based review and documentation
- Power of Attorney support when appropriate
- Chat, email, and text support
- Three-bureau monitoring is purchased separately and must stay active
Elite
$155 / month
$400 one-time setup / first work fee
- Unlimited eligible accounts and inquiries
- Monthly strategy meeting
- Credit monitoring included
- Custom AI-assisted strategy and factual review
- 24/7 priority support access
See everything included
Best for: the most hands-on support and a broader monthly strategy.
- Unlimited eligible accounts and inquiries
- One strategy meeting every month
- Credit monitoring included
- Custom AI-assisted strategy plus factual review
- Metro 2 reporting review
- Notarized Power of Attorney support when appropriate
- Positive credit-building guidance
- 24/7 priority support access
Accurate, timely negative information cannot be removed simply because it is negative. Outcomes vary, and no specific score increase or deletion is guaranteed.
More ways to work
Want flexibility instead of a monthly coaching plan?
Pay Per Delete
$250 first work fee · no monthly fee
Pay only when an eligible item is deleted. There are no included monthly meetings.
How this option works
Fees apply only as described in your agreement. Accurate, timely information cannot be removed simply because it is unfavorable, and deletions are not guaranteed.
Do It Yourself with CreditScoreIQ
$51.99 per month · no setup fee
Best if you want the tools and monitoring but prefer to manage disputes yourself.
- Three-bureau monitoring
- VantageScore tracking
- AI-assisted dispute tools
- Unlimited DIY disputes
- Cancel anytime
FICO vs. VantageScore
Why you can see two different credit scores.
Your score can change depending on which scoring model is used. Both reward the same healthy habits, but they count each part a little differently.
FICO 8 — what many lenders check
FICO cares most about paying on time and keeping card balances low compared with your limits.
Do you pay every bill on time?
How much of your card limits are you using? Lower is usually better.
How long have your accounts been open?
Have you opened or applied for several accounts recently?
Do you manage different types of credit, like cards and loans?
VantageScore 3.0 — what many apps show
VantageScore is common in credit-monitoring apps and is also used by some lenders.
Have you consistently paid on time?
How old are your accounts, and what kinds do you have?
How much of your available credit are you using right now?
How much debt is showing across all accounts?
How many new accounts or applications appeared lately?
How much unused credit do you still have?
90-day satisfaction guarantee
Know the terms before you start.
The guarantee applies to eligible credit coaching clients. It is a satisfaction policy—not a promise that a certain item will be deleted or that your score will rise by a certain amount.
To qualify, both statements must be true:
- No credit repair work was done by you or another company during the 6 months before starting.
- Your current credit repair process began less than 2 years ago.
If credit work happened in the last 6 months, or the process began more than 2 years ago, you are not eligible for the refund.
Policy language should be reviewed against the signed client agreement and applicable law before final publication.
Your next move
Start with the option that fits where you are today.
Need your reports reviewed? Start monitoring, then book the $25 analysis. Already decided? Go directly to plan enrollment.
7-Day $1 Trial and then $34.99 per month
Provides your FICO score which is what Banks Use!
7-Day $1 Trial and then $27.99 per month
Provides your Vantage score which is what the Bureau’s and Credit Karma Show’s.
A Credit Analysis has a Small $25.00 Fee and allows us to see what is going on with your credit like an x-ray. So we can make best possible recommendation.
7-Day $1 Trial and then $51.99 per month
Provides your Vantage score and helps you dispute errors using AI.
Standard Option
$85/Month
Account Setup / First Work Fee:
$150.00 (one-time fee)
Satisfaction Guarantee:
90-day satisfaction guarantee or your money back (terms apply)
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Up to 5 Disputed Accounts: Assistance with disputing up to 5 accounts per month on 3 Credit Bureaus.
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Inquiries: Not Included.
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Standard Letter: Access to pre-designed letter templates for disputing and intervention.
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Monthly Consultation: One 30-minute meeting per month to review and discuss your credit situation.
-
Factual Disputing: Disputing inaccuracies based on factual errors.
-
Credit Monitoring: Not included.
-
7-Day Trial for Monitoring: $1 trial for 7 days, followed by a monthly fee between $19.95 and $34.99.
-
Online Chat/ Email Support: Response Times within 48 hrs.
Professional Option
$105/Month
Account Setup / First Work Fee:
$250.00 (one-time fee)
Satisfaction Guarantee:
90-day satisfaction guarantee or your money back (terms apply)
-
Unlimited Disputes: No limit on the number of accounts disputed each month.
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5 Inquiries: Help with disputing up to 5 inquiries per month.
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Power of Attorney: Includes not notarized power of attorney for dispute management.
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Custom Letter Templates: Access to customized letters for disputes.
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Monthly Consultation: One 30-minute meeting per month to review and discuss your credit situation.
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Factual Disputing: Disputing inaccuracies based on factual errors.
-
Credit Monitoring: Not included.
-
7-Day Trial for Monitoring: $1 trial for 7 days, followed by a monthly fee between $19.95 and $34.99.
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Email / Online & Text Support: Priority 1-24 hr response time support for quick assistance.
Elite Option
$155/Month
Account Setup / First Work Fee:
$400.00 (one-time fee)
Satisfaction Guarantee:
90-day satisfaction guarantee or your money back (terms apply)
-
Unlimited Disputes and Inquiries: No limit on the number of accounts or inquiries disputed each month.
-
Notarized Power of Attorney: Includes notarized power of attorney for efficient dispute management.
-
Custom AI Letters: Access to custom AI-generated letters for precise and effective disputes.
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Monthly Consultation: One 30-minute meeting per month to review and discuss your credit situation.
-
Factual Disputing: Disputing inaccuracies based on factual errors.
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Metro 2 Disputing: Advanced disputing Creditor Industry Standard method for more complex credit issues.
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Credit Monitoring: Included (Vantage Score 3.0)
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New Credit Line Assistance: Help with applying for new lines of credit to improve credit profile.
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24/7 Support: Priority support available 24/7 for urgent inquiries.
Pay Per Item Dispute Support:
Account Setup / First Work Fee:
$250.00
NO MONTHLY FEES
$0/ Month
Email Support: Response Times within 48 hrs.
7-Day Trial for Monitoring: $1 trial for 7 days, followed by a monthly fee between $19.95 and $31.99.
Pay as you go per Bureau per Item/Account
$0.00 Per Personal Information
$5.00 per Inquiry
$50.00 per Collection/Charge off, Student Loans, Tax Liens, Repossessions, Evictions,
Foreclosures/Child support , Bankruptcies/Civil Judgments, Anything Else
Do it Yourself Option:
Account Setup / First Work Fee:
NO FIRST WORK FEE
$0.00
$50/Month
Credit Monitoring: Included in the fee.
View your 3 Bureau Reports
Dispute Unlimited Items at your Pace
AI Assisted Dispute Process
Cancel at ANY time
