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This program is designed for clients who want an accelerated path to credit restoration combined with financial education.

YOU'LL RECEIVE

  • Credit & Financial Education – Learn how credit works, factors affecting your score, and proven strategies to build long-term financial stability.

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  • Personalized Credit Analysis – A detailed review of your three-bureau credit report to identify errors, outdated items, and opportunities for improvement.

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  • Dispute Assistance – As part of your educational plan, we assist in preparing and sending dispute letters to the credit bureaus on items that appear inaccurate, outdated, or unverifiable.

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  • Coaching & Consulting – Guidance on debt management, budgeting, and strategies to build and maintain positive credit.

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  • Ongoing Support – Continuous resources and updates to help you stay on track after your disputes are submitted.

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Disclaimer: All fees collected are for financial education, consulting, and report analysis. Credit dispute support is included as part of your educational package. We do not charge solely for credit repair services, and results vary depending on your unique credit history.

PACKAGE 1:
Credit Education &
Restoration Program (Flat Fee)

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This package is designed for individuals who want focused assistance with addressing credit challenges, while also gaining tools to better manage their financial future.

WHAT'S INCLUDED
 

  • Review of your credit reports from all three major bureaus (Equifax, Experian, and TransUnion

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  • Preparation and submission of dispute letters for up to 5 credit items each month (based on information you identify as inaccurate, unverifiable, or incomplete)

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  • Assistance with requesting investigations into items such as collections, charge-offs, late payments, and inquiries 

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  • Educational resources on building and maintaining healthy credit habits

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  • Ongoing monthly updates to track your progress

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Important Disclosure: Results will vary depending on your individual credit history and the responses of credit bureaus and creditors. One Chance Financials does not guarantee specific outcomes such as the removal of items, score increases, or loan approvals. Our services are intended to assist you in exercising your rights under the Fair Credit Reporting Act (FCRA) and to provide financial education so you can make informed decisions moving forward.

PACKAGE 2:
Basic Credit Education Package – Essential Support

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This plan is ideal for clients who prefer a flexible monthly option with ongoing support.

YOU'LL RECEIVE​

  • Step-by-Step Financial Education – Learn at your own pace with ongoing resources and coaching sessions.

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  • Monthly Credit Report Reviews – Regular check-ins to track progress and identify new opportunities for improvement.

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  • Dispute Assistance – Continued support in preparing and sending dispute letters for items that appear inaccurate, outdated, or unverifiable.

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  • Coaching & Strategy Calls – Ongoing one-on-one guidance to help you strengthen your financial foundation and credit profile.

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  •  Client Portal Access – 24/7 access to resources, updates, and educational tools.

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Disclaimer: All payments are for credit education, consulting, and credit monitoring guidance. Dispute assistance is provided as part of the overall program. No specific outcome or score increase is guaranteed.

PACKAGE 3:
Credit Wellness Monthly Plan

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Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute inaccurate, outdated, or unverifiable information on their credit reports.

 

Some of the most common types of items clients review for potential dispute include:

• Foreclosures

• Student loans

• Late payments

• Bankruptcies

• Collections

• Judgments

• Repossessions

• Child support

• Charge-offs

• Medical bills

• Public records

• Hard inquiries

Disclaimer (FTC & CROA-Compliant):

 

Disclaimer: One Chance Financials assists clients in understanding and exercising their rights under the Fair Credit Reporting Act (FCRA). We cannot guarantee the removal of any specific item. Results vary based on each individual’s credit history and the accuracy of reported information. We do not offer legal advice or make false or misleading claims as defined by the Credit Repair Organizations Act (CROA).

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