Monthly Lab Support

Enrollment includes your first month of professional credit repair service and a comprehensive credit analysis with all three major credit bureaus: Equifax, Experian, and TransUnion.

With this month-to-month service, we prepare and submit customized dispute letters to all three credit bureaus on your behalf each month. We work diligently to challenge inaccurate, outdated, incomplete, and unverifiable negative items in accordance with the Consumer Financial Protection Bureau guidelines and the Fair Credit Reporting Act (FCRA). As a complimentary bonus, we may also submit aggressive dispute rounds through the CFPB when appropriate to strengthen your case.

This plan is ideal for clients who need ongoing credit restoration and prefer the flexibility of a monthly membership rather than paying in full upfront.

Ideal For Clients With:

• 1–10 negative accounts that need to be disputed
• Collections
• Late payments
• Student loans
• Charge-offs
• Evictions
• Bankruptcies (dismissed or discharged only)
• Child support reporting issues
• Repossessions

What’s Included Each Month:

• Full credit report analysis with all three credit bureaus
• Custom dispute letters sent to all three credit bureaus
• Monthly dispute support and follow-up
  
• Ongoing account monitoring and strategy adjustments
• Email support throughout your membership

Important Requirements:

⚠️ Active credit monitoring is required and costs $29.99 per month.

Important Disclosure:

We work under the Fair Credit Reporting Act (FCRA). Negative accounts may be updated, corrected, modified, or removed based on the results of our dispute efforts. However, results are not guaranteed and vary from person to person, as we do not control the final decisions made by the credit bureaus or creditors.

After Enrollment:

Upon purchase, you will receive an email with detailed instructions outlining the next steps. Please check your spam or junk folder if you do not see the email in your inbox.

Program Policies:

At The Credit Repair Lab, maintaining active three-bureau credit monitoring is mandatory throughout your enrollment. Clients who cancel or downgrade their credit monitoring service will be suspended from the program without refund.

If you are currently involved in an active bankruptcy, please do not enroll, as we are unable to provide services during an open bankruptcy case. We are, however, able to assist with dismissed or discharged bankruptcies.

Cancellation Policy:

This is a month-to-month membership. You may cancel at any time with written notice prior to your next billing date. No refunds will be issued for services already rendered.