Credit Repair Programs

Repair Your Credit the Right Way

Our credit restoration programs are built on education, consistency, and accountability. We don't just repair credit — we teach you how to maintain it so you can protect your progress long-term.

Prosperity Foundation

6 Months

  • 6-month tri-bureau dispute strategy
  • Credit builder card setup
  • Monthly progress check-ins
  • Personalized credit action plan
  • Budgeting & financial growth tools

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Prosperity Elite

12 Months

  • 12-month strategic tri-bureau dispute management
  • CFPB-escalated dispute strategy (when applicable)
  • Certified mail disputes & documentation tracking
  • Advanced credit builder & account positioning
  • Monthly executive-level credit reviews
  • Customized Prosperity credit action plan
  • Financial discipline & long-term wealth tools

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Credit Repair FAQs

  • Credit repair is the process of reviewing your credit reports for inaccurate, incomplete, outdated, or unverifiable information and disputing those items with the credit bureaus and creditors when appropriate. It also includes education on building and maintaining healthy credit habits.
  • Credit repair is not instant. Timelines vary depending on your credit profile, the number of negative items, and creditor responses. While some clients may see changes within the first few months, long-term results typically require consistency and patience.
  • No. No credit repair company can legally guarantee the removal of specific items or a certain credit score increase. Results depend on the accuracy of the information reported and creditor responses.
  • Yes. Our services are paid programs that include dispute strategy, education, monitoring, and ongoing support. You also have the right to dispute items on your credit report at no cost on your own.
  • Credit repair can help improve your credit profile by addressing inaccurate or questionable items and strengthening positive credit behavior. Score changes vary based on your overall credit mix, utilization, payment history, and consistency.
  • We work with all three major credit bureaus: Experian, Equifax, and TransUnion.
  • Yes. Active credit monitoring is required to track changes, identify updates, and measure progress throughout the program. Monitoring allows us to adjust strategy as needed.
  • We generally recommend avoiding new credit applications during active credit repair unless advised otherwise. Applying for new credit can slow progress and impact results.
  • CFPB escalation involves submitting complaints to the Consumer Financial Protection Bureau when appropriate. This strategy is used selectively and does not guarantee outcomes, as results depend on regulatory review and creditor responses.
  • Client participation is essential. You must provide accurate information, maintain active monitoring, follow recommendations, and respond promptly to requests. Credit repair is a partnership, not a passive service.

CFPB & DISPUTE STRATEGY DISCLAIMER(Tier 4 / Elite Credit Program Section)

CFPB complaint escalation and certified correspondence are utilized when appropriate and applicable. Submission of complaints or disputes does not guarantee outcomes and is subject to regulatory review and creditor response. score increases. Results vary based on the accuracy of information reported, creditor responses, and client participation. Clients are advised that they have the right to dispute inaccurate information on their credit reports at no cost.

Credit Services Disclaimer

Prosperity 93 Consultants LLC provides credit education and dispute assistance services. We do not guarantee the removal of any specific item from a credit report or specific credit score increases. Results vary based on the accuracy of information reported, creditor responses, and client participation. Clients are advised that they have the right to dispute inaccurate information on their credit reports at no cost.