We’ve created a simple, Pre-Qualification process – FREE OF CHARGE – to let you know if our credit services are a right fit for you!

Everyone’s credit situation is different and credit repair is not always the answer.

Therefore, before we enroll you in our services, we will review your credit reports to determine if our Credit Dispute Services is the right service to help you Soar Your Credit Scores.

If not, we will recommend the best services for you to begin your journey to better credit.

And best of all, our Prequalification Process is… FREE!

Simply complete the form below and we’ll get started reviewing your credit reports.


  • The “Disputable 5” – Are any items on your credit report Inaccurate, Incomplete, Inconsistent/Questionable, Verifiable, Untimely.
  • No recent late payments within the past 30 days that have not or cannot be brought current prior to being accepted into our program.
*** From the 1000s of credit reports that we review yearly, we’ve seen that many are in need of a credit rebuilding plan or debt payoff strategy versus a credit repair/disputing plan. No worries! We’ll notify you and help you with your next steps for enrolling in either our Credit Rebuilding or Budget Coaching Programs!
  • A willingness to commit to a minimum of 6-9 months of service (service time may vary). Credit improvement takes time. It does not matter if you hire us to dispute for you, or you dispute on your own, six months or more is standard to see the best results.
  • If you can afford services + maintain credit monitoring from one of the following: or
NOTE: **If you are enrolled in another credit repair company we CANNOT accept you for a full 60 days after you have canceled your services with them. We have no idea what the other company has sent out on your behalf, and therefore we have to give some time between their disputes and ours. If you can obtain a copy of your dispute history with them, that would certainly help.



  • Dedicated Credit Support Team: You'll Have An Entire Team by Your Side to Ensure You Get the Service and Results that You Desire!

  • Exclusive Client Learning Center: The BEST Client Learning Center in the Industry! Full-length Financial Masterclasses, monthly Q&As, Expert Live Lessons on Wealth Building & Side Hustles, and MORE! We’re invested in being a part of your overall financial transformation!

  • Credit Building Strategy Sessions: All of our clients receive regularly scheduled Credit-Building Strategy Sessions with their Credit Specialist, File Reviews after each dispute round is over, and optional monthly Client Check-In calls with a member of our Credit Services Team!

  • Private Supportive Community: Your Client Learning Center includes an exclusive, private study group of like-minded individuals who are actively working to crush their financial goals! Stay motivated, ask questions, grab an accountability partner, and more, inside of our Private Facebook Community!

  • 24/7 Portal Access: Once we've finished the onboarding process and begun the next steps, you'll get access to a 24/7 portal where you can see the letters we send on your behalf, your progress, message your Credit Admin Support Team, and more!


To get your spouse prequalified, please have them complete the prequalification application above, then send us an email to to let us know that your spouse has signed up. We will then add a $25 discount to both of your accounts, saving you $50 total on your initial investments.

On the above Pre-qualification Application, we provide the 3-bureau credit monitoring companies that we use. You must pull your credit monitoring reporting from one of the companies above to work with us.

While we understand there are free services that provide credit monitoring that you may prefer to use; those services don't provide us all the details we need to accurately assess your whole credit profile on an ongoing basis. Those services are fine for doing a quick, surface-level peak of your credit, but won't provide the in-depth information we need to improve all 3 of your credit scores and reports. We dive deep to bring results and recommend obtaining a credit monitor to both serve you better and provide optimal peace of mind.

time the process can take, such as the types of negative credit items reporting on your credit reports, the length of time they have been reporting, as well as the way the credit bureaus currently operate. This is why it is difficult to provide a specific timeframe; nor are we allowed to guarantee you results (it’s actually illegal to do so).

With over 10 years in the industry, we can say that on average, our clients average a 83+ point increase within the first 6 months of working with us, depending on the condition of their credit reports, and as little as 45 days to see some results. As long as no new derogatory information was added to their credit reports or an increase in credit card balances, new unnecessary accounts and inquiries added to their credit profile, this holds to be true.
Legitimate credit repair is not an overnight fix – despite the advertising I’m sure you’ve seen on social media. True credit repair is a PROCESS. One that requires TEAMwork (TEAM = Together Everyone Achieves More).

We are transparent with you from the very beginning and will set realistic expectations with you during your first Welcome & Onboarding Call with us when you become a client.

You’ll receive a Custom Analysis of your Credit Reports, a Custom Rebuilding Plan of Actions that is updated every 3 Rounds of Dispute, File Reviews after each Dispute Round, and more! As long as you are closely following the professional recommendations provided during your time in our program and tapping into the powerful resources inside of your Client Learning Center; we're sure you’ll be satisfied with your service with us.

All of our clients who follow our system, heed the professional recommendations provided, and dive into the many resources that come inside of their Client Learning Center achieve positive credit improvement.

Remember, everyone’s situation is different. Some will graduate our program sooner than others. The important thing is making sure that your credit is repaired the right way so that you have a solid financial foundation for you to begin CRUSHING Your Financial Goals.

We’ve had great success assisting our clients with bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit cards, inquiries, late payments, old addresses, judgements, tax liens and student loans that meet our “Disputable 5” criteria.

In our experience, as long as the account is current or paid at the time of removal, or if the collection is older than 3 years, it will not come back. Only in very rare circumstances will a removed account come back; such as a collection account re-reporting under a new collection agency’s name, because they have purchased the debt from the previous collection agency, whom we were successful in obtaining a deletion.

If you have open collections, our Credit Specialists can advise you on how to tackle these accounts so that they can no longer be sold from one company to another, eliminating the possibility of a new negative item being added to your credit report.

Keep in mind that it’s also very important you maintain good payment history and continue to develop excellent credit habits so that you can not only achieve the highest possible credit score, but keep it.

When you initially enroll, you will have access to your secure Client Communications Portal. Here, you can log in 24/7 to view your Custom Credit Analysis, updates to your file after each dispute round has been completed, and more. There is also a secure messaging center where you can contact our Admin Team directly should you have any questions or concerns at any time during the process. Our Admin Team is available during normal business hours.

After every 3 rounds, you’ll also have a Personal Rebuilding Strategy Session with your Credit Specialist, who will discuss additional tips that you can implement to further strengthen your credit profile.

We want you to feel supported every step of the way. Therefore, we provide a Monthly Optional Client Check-In Call to speak with a member of our Credit Services Team if we, or you, feel that additional assistance is needed before your next scheduled Personal Rebuilding Strategy Session. Your first method of contact should always be your Credit Admin Team, as they are available, solely, to ensure your questions are answered in a timely manner.

Our Client Learning Center is the BEST in the Industry – bar none! We understand that Credit is A Tool. A tool is used to carry out a specific goal or objective.
Our Client Learning Center will help you to finetune your goals, deepen your knowledge of credit, master the budgeting process, teach you how to destroy your debts, develop a long-term strategy to tackle your student loans, provide you with a blueprint to claiming the keys to your new home, breakdown the investment process, teach you how to invest in real estate for as little as $500, and so much more!

We have monthly credit and budgeting Q&A sessions and monthly expert instructors who come into our community to teach a wealth building and/or side hustle lesson as well!

We don’t want to just help you to transform your credit, we want to help you to transform entire finances!

You are entitled to a 100% refund on all monthly payments if:

  • You have had 6 consecutive rounds of disputes without any positive changes to your credit file.
  • You have not used a credit-consulting agency nor attempted to repair your own credit at least 1 year prior to signing up for our services.
  • You have had no new collections, late payments, charge-offs, or credit card balance increases during the time that you have been enrolled in our services,
  • You have maintained credit monitoring services at all times during the time frame we are assisting you
  • You have followed the recommendations outlined in your Custom Rebuilding Plan of Action,
  • You have sent your updated reports/responses from the three credit bureaus & creditors to us within 5 days of receipt. {You should receive updated credit reports a maximum of every 45 days and make us aware if updated reports have not been received.}

Under the Fair Credit Report Act, you have three days after making your initial enrollment investment to cancel.

After the three day initial enrollment period, you must give a 14-day prior written notice before your next billing date.

Although our preferred commitment is 6-months, we do not have a forced requirement for how long you must maintain our service. That means you may cancel at any time without suffering cancellation fees. However, our credit repair service is paid 30 days in arrears, so it’s still the client’s obligation to pay for services already rendered if canceled. But, to avoid future occurring additional service fees, you MUST cancel 14 days prior to your billing due date.

Yes, credit repair is legal and our credit education and dispute processing services will help you to use the law in your favor. Inside of your Client Learning Center, we’ll also educate you about several laws that we’ll be utilizing on your behalf, such as The Fair Credit Reporting Act, The Fair Debt Collections Practices Act, and more. These Acts were created to protect YOU, the consumer, from billing errors, credit reporting errors, and deceptive practices from the Credit Bureaus, Creditors, Lenders and Collection Agencies. Our team is thoroughly and consistently trained in these laws so that they can go to work for you immediately upon your enrollment.
Credit repair and tactics used by The Frugal CrediTnista are 100% legal. The Fair Credit Reporting Act allows consumers to challenge the validity of any inaccurate or obsolete information on any consumer report. Through this act, our Company will only exercise guidance that is parallel to what the laws have specifically laid out. We are required to abide under the state laws in which we do business and as a result we are licensed and bonded through the state of North Carolina.


NOTE: In order to prequalify you for services, we will need access to your 3-Credit Bureau Credit Monitoring Report. Your credit monitoring report will need to include data for all 3 credit bureaus.  We currently support the following credit monitoring company’s services if you are qualified for services:

  1. Identity IQ,
  2. My Free Score Now.

Please, NO Credit Karma, Credit Sesame, Experian,, or any other credit reporting service that does not provide data for all 3 credit bureaus on ONE report. 

For the prequalification process, you can use whatever 3-credit bureau company you desire, other than the companies listed aboveIf you qualify for services, however, the aforementioned companies are required to be maintained for the entire time that you are enrolled in our program.  If you’d like to use another credit monitoring company, an additional investment will be assessed.

FYI, Services are not available in GA: however, we can provide you with the support, tools, resources, referrals, and step-by-step dispute strategies inside of our DIY Credit & Wealth Building School, Credit On Fire Academy.  

We have Partner Companies for Services in SC/CO/LA/OR/KS/CA.  If you live in one of these states, and complete our free Prequalification Form, you are authorizing us to have our Partners Companies contact you in regards to Services in your area.

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My Credit on Fire Academy is where you'll learn ALL my trade secrets, tricks, and strategies to Soaring Your Credit Scores to 740 and beyond! I'll teach you what do, how to do it, when to do it and how to get the BEST results!
My Credit on Fire Academy is where you'll learn ALL my trade secrets, tricks, and strategies to Soaring Your Credit Scores to 740 and beyond! I'll teach you what do, how to do it, when to do it and how to get the BEST results!