Credit Builders Credit Services & Plan Options
Credit Recovery, Credit Education & Mortgage-Rediness Support
At Credit Builders, we believe credit recovery should begin with a clear understanding of your file — not guesswork.
Every credit profile is different. Some clients need a lighter structured plan, while others need deeper review, guided recovery strategy, collection and charge-off analysis, utilization planning, or mortgage-readiness support.
Our plans are designed to meet clients where they are while giving each file the level of attention it actually needs.
Restore. Revive. Thrive!
Most clients are not sure which plan is right at the beginning — and that is normal.
A credit file with one or two minor issues may not need the same level of strategy as a file with collections, charge-offs, late payments, repossessions, public records, high utilization, or an urgent lending goal.
That is why Credit Builders reviews your credit profile before making a recommendation. If your file shows multiple moving parts or deeper reporting concerns, Thrive Advantage may be the stronger starting point.
Not Sure Which Plan Fits? Start Here.
Thrive Advantage
Advanced Credit Recovery + Score Optimization
Recommended for complex files, mortgage-readiness goals, and clients who need deeper guidance.
Initial Services Fee: $269.95
Monthly Investment: $199.95/month
Credit Monitoring: Included
Thrive Advantage is our advanced credit recovery and strategy plan for clients who need more than basic dispute processing.
This plan is designed for credit files involving collections, charge-offs, late payments, repossessions, public records, high utilization, debt-buyer reporting, bureau inconsistencies, or lending-readiness concerns.
Thrive provides a deeper level of review, stronger strategy, and ongoing file guidance.
Thrive Advantage may be the best fit if you have:
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Multiple collection accounts
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Charge-offs or debt-buyer reporting
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Recent or repeated late payments
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Repossession or foreclosure history
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Public record concerns
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High revolving credit utilization
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Bureau-to-bureau reporting differences
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Mortgage, auto, or lending goals
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A lower score with meaningful recovery potential
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Tried to work on your credit alone and need guidance
Thrive Advantage includes:
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Credit monitoring included
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Executive credit file review
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Credit recovery strategy
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Score-optimization planning
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Utilization review and guidance
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Collection and charge-off review
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Account-by-account priority review
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Mortgage-readiness guidance when applicable
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Monthly progress review
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24/7 client portal access
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Mobile app access
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Priority-level support
Best Fit
Thrive Advantage is best for clients who need deeper review, guided recovery, and ongoing strategy — especially when the file has several issues working against the score at the same time.
Core Credit
Structured Credit Recovery
A steady, lower-cost option for standard credit recovery files.
Initial Services Fee: $169.95
Monthly Investment: $99.95/month
Credit Monitoring: Required and billed separately through the monitoring provider
Core Credit is designed for clients who need structured credit recovery support at a lower monthly cost.
This plan uses a priority-batch approach, beginning with onboarding, personal information review, and the highest-impact reporting concerns first.
Core Credit is a good option for clients who need steady monthly progress but do not require the deeper strategy, closer file guidance, or priority-level support included with Thrive Advantage.
Core Credit may be the best fit if you have:
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A standard credit recovery file
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A limited number of negative accounts
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No urgent mortgage or lending deadline
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A need for monthly structure and accountability
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A budget-sensitive starting point
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Basic credit education and file review needs
Core Credit includes:
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Standard credit recovery support
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Personal information review
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Priority-batch dispute process
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Monthly progress review
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Credit education and recovery guidance
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24/7 client portal access
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Mobile app access
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Standard support
Important Note
Core Credit is not designed to move every issue at once. If your file has multiple collections, charge-offs, late payments, public records, or active delinquency, Thrive Advantage may be the better fit.
Elite Credit Analysis
Elite Credit Analysis
Standalone Written Credit Roadmap
One-Time Investment: $69.99
The Elite Credit Analysis is designed for serious prospects who want a deeper written review before choosing a monthly plan.
This written analysis may include score observations, utilization review, negative-account findings, recovery opportunities, risk factors, and recommended next steps.
Elite Credit Analysis may be the best fit if you:
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Want a written review before enrolling
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Are not ready for a monthly plan yet
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Need a better understanding of your credit file
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Want to know which Credit Builders plan may fit best
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Prefer a roadmap before making a decision
Important Note
If you enroll in Thrive Advantage, the deeper review may be included as part of your Initial Services Phase. In that case, you may not need to purchase the Elite Credit Analysis separately.
Which Option Should You Choose?
Choose Thrive Advantage if:
Your credit file has multiple serious issues, you need closer guidance, or you are working toward a larger goal such as mortgage readiness, auto financing, or major score improvement.
Thrive is the stronger fit for files involving collections, charge-offs, public records, late payments, high utilization, or bureau reporting inconsistencies.
Choose Core Credit if:
You need structured credit recovery support at a lower monthly investment and your file does not require advanced strategy or priority-level review.
Core is best for standard files where steady monthly progress is appropriate.
Choose Elite Credit Analysis if:
You are not ready to enroll yet but want a professional written roadmap before deciding your next step.
Quick Comparison
Important Notice:
Credit results vary by individual file, bureau response, creditor reporting, account history, and client participation. Credit Builders does not guarantee a specific score increase, deletion, approval, or lending outcome.
