Transparent pricing. No upfront fees.
Federal law forbids charging for credit repair before services are performed. We comply — and we built the billing model around it from day one. One plan, billed monthly after service, cancellable in writing at any time.
What the law requires — and what we exceed
Every pricing term is compliance-first.
$0 upfront
Federal law (CROA) prohibits charging before services begin.
Monthly in arrears
Your first bill arrives after your first month of service is delivered.
3-day right to cancel
You may cancel within three business days of signing for any reason.
Written agreement
A signed, itemized disclosure of services is required before any work starts.
Pricing FAQ
Still have questions?
Email us at credloom-2@polsia.app — intake reply within one business day.
Ready to start?
Start your file — no card required.
The intake walks you through the CROA disclosures and your three-day cancellation right before anything is signed. We reply within one business day.