Where credit goals get real

Build credit.Break limits.

We find the errors dragging your score down, dispute what's inaccurate or unverifiable, and coach you into the 700s — and keep you there.

See plans & get started How it works

Bundles from $89/month, plus a one-time setup fee. Cancel monthly anytime.

Jordan's FICO® ScoreExperian

720

GOOD · above 700

300850

+82 pts since March

★★★★★ Loved by our members All 3 bureaus challenged Cancel anytime Secure checkout

+73

Avg. points gained in 6 months*

1.2M

Inaccurate items challenged

4.8/5

From 9,140 verified members

What we do

More than just a credit expert.

Our services cover every part of the journey — from cleanup to long-term strategy.

Credit analysis & report review

A deep, line-by-line check of your full credit report.

Dispute & removal services

We fix errors and challenge negative, unverifiable items.

Credit improvement planning

A customized, step-by-step strategy to build your score.

Student loan & bankruptcy guidance

Targeted support for tougher financial recovery.

Virtual credit consultations

Expert, one-on-one advice from anywhere.

Identity monitoring & protection

Keep your credit identity secure and watched.

See how it works

You're not alone

Buried in statements, unsure where to start?

You don't have to sort it out by yourself. We review every line, tell you exactly what's hurting your score, and build the plan to fix it.

Get started

Our promise

Transparent, honest, and on your side.

Clear, upfront pricing — no surprises.
No false promises — we never claim to remove accurate information.
You see every dispute and score change in your dashboard.
Cancel your monthly plan anytime.

Here are our

Hours of Operation

Monday9AM – 5PM

Tuesday9AM – 5PM

Wednesday9AM – 5PM

Thursday9AM – 5PM

Friday9AM – 5PM

Saturday9AM – 5PM

Sunday9AM – 5PM

Book your appointment today

How it works

A clear path to 700.

Credit repair isn't magic — it's method. Here's exactly what happens from the day you join, and what we can (and can't) do.

Day 1

Join & connect your reports

Pick your plan and check out securely. We pull your full credit file from Experian, Equifax, and TransUnion so we're working from the same picture the lenders see.

Days 1–3

Line-by-line analysis

A specialist reviews every account, inquiry, and collection — flagging errors, duplicates, outdated entries, and anything the bureaus can't verify. You get a plain-English summary of what's hurting your score.

Week 1

Disputes drafted & filed

We prepare and submit challenges to the bureaus and, where it helps, directly to creditors. Every letter is tracked so nothing slips.

30–45 days

Bureaus respond

By law the bureaus must investigate. Items that can't be verified come off. We log each result in your dashboard and update your score trend.

Every month

Repeat & build

We keep challenging what's left and coach you on the habits — utilization, payment timing, new credit — that push you past 700 and hold you there.

Straight talk

What we do — and what no one can.

We challenge

Accounts that aren't yours or show mistaken details
Duplicate or re-aged collections
Items past the reporting time limit
Anything the bureau can't verify on investigation

We can't (and won't)

Remove accurate, current, verifiable information
Promise a specific score or a guaranteed number
Create a new credit identity — that's illegal
Do anything you couldn't legally do yourself

Questions

Good to know.

How long until I see results?

Many members see the first changes after the initial 30–45 day investigation cycle. Bigger moves build over several months as more items are resolved. Everyone's file is different, so timelines vary.

Do you guarantee I'll reach 700?

No — and be cautious of anyone who does. We can't guarantee a specific score. What we can promise is diligent, transparent work on every item that's inaccurate or unverifiable.

Can I cancel?

Yes, anytime, with no long-term contract. You keep access through the end of your billing month.

Can't I dispute items myself?

Absolutely — you have the right to dispute directly with the bureaus at no cost. Members hire us for the drafting, tracking, follow-up, and coaching so they don't have to manage it all.

Choose your plan

Results

Watch the line cross 700.

Real progress takes months, not days. Here's what our members' scores tend to do — and a few of their stories.*

Average member score over 6 months

Anonymized, aggregated member data

Average member score700 goal line

After our service

Doors open.*

Once the errors come off and scores climb, approvals follow. Here's how our members tend to fare.

78%

approved for auto loans

71%

approved for home loans

81%

approved for new credit

74%

approved for refinancing

*Illustrative outcomes for demonstration. Results vary by individual.

Why our clients love us

What our members say.

582

Start

731

6 months

"I never thought I'd see my score in the 700s again — until I found 700andbetter.com. They disputed inaccurate items and gave me a realistic plan. Within six months I went from 582 to 731, and just got approved for my first home loan. This service changed my life!"

Ashley M.

Atlanta, GA · Verified member

Monthly member · back in control

"What I appreciated most was how straightforward and honest they were. No false promises — just a clear strategy and consistent communication. Every single month I saw progress. I'm now financially confident and back in control."

Marcus J.

Charlotte, NC · Verified member

+124points gained

"After a breakup and job loss, my credit was in bad shape. They treated me with compassion, educated me, held me accountable, and celebrated every win. My score improved 124 points, and I finally feel hopeful again."

Deja R.

Miami, FL · Verified member

Start your climb

Pricing

Simple monthly plans.

Pick the bundle that fits. Each has a one-time initial setup & review fee, then a flat monthly rate. Cancel the monthly anytime — no long-term contract.

$89/mo

+$299 initial setup & review

Credit Analysis and Review, plus Personalized Dispute Assistance for up to 5 items.

Choose Essential

Compare bundles	Essential Credit Repair Bundle$89/mo	Most popular Advanced Credit Correction Bundle$129/mo	Premium Credit Optimization Bundle$149/mo
Initial setup & review (one-time)	$299	$499	$699
Credit analysis & review	Standard	Comprehensive	Full
Personalized dispute assistance	Up to 5 items	Up to 10 items	Unlimited
Covers late payments, collections & derogatory items	—	✓	✓
Ongoing credit improvement planning	—	—	✓

Start your plan.

Select a bundle and check out securely with PayPal or a card. Your setup fee and first month are billed today.

Essential Credit Repair Bundle

Credit analysis & review + personalized dispute assistance for up to 5 items

$89

/month

Your order

Advanced Credit Correction Bundle

Initial setup & review$499.00

First month$129.00

Due today$628.00 then $129/mo

Check out with

The safer, faster way to pay

Secure checkout · Cancel anytime

Billing questions

Before you buy.

When am I billed?

Your one-time setup & review fee and your first month are billed today. The monthly rate then recurs on the same date each month. You can cancel the monthly anytime and keep access through the end of the current month.

What is the setup fee?

Each bundle has a one-time initial setup & review fee — $299 (Essential), $499 (Advanced), or $699 (Premium) — charged with your first payment. After that it is just the flat monthly rate, with no hidden charges.

Can I change plans?

Yes. Upgrade or downgrade anytime from your member dashboard; the change applies to your next billing cycle.

700andbetter.com

Our Story

Credit is more than a score — it's a fresh start.

700andBetter.com was created to empower individuals to take control of their credit and rewrite their financial story. We know life can throw unexpected challenges that impact your credit — missed payments, collections, bankruptcies — but those setbacks don't define you.

Our team, having faced similar struggles, built this platform to provide real solutions through expert guidance, personalized credit strategies, and virtual support. From reviewing your credit report to disputing inaccuracies and building long-term financial habits, we're here every step of the way.

At 700andBetter.com, we believe credit is more than a score — it's a fresh start, and your journey to better begins now.

See our plansBook online

Member dashboard

Welcome back, Jordan.

Advanced bundle · Next billing Aug 22

Preview

Your score Experian · updated today

720

GOOD · above 700

+82

Since joining

To "very good"

Months active

Active disputes 3 open · 2 resolved

Collection — "MidState Recovery"

Filed Jul 12 · not yours

Removed

Late payment — Capitol Card

Filed Jul 12 · reporting error