Programs
The repair work starts from the same service floor in all three. What you are choosing is how long the engagement runs, how much of me you get, and what happens after the file is clean.
Standardized done-for-you repair with a defined monthly rhythm and group support. No sales call is required to choose this path.
Standard price: $97/month. Founding Member pricing is available while the community is under 100 members. Required monitoring: $39/month to SmartCredit. Total founding commitment: $116/month. Paid checkout pending local launch approval.
For a deadline, a complex file, or a goal that needs a personalized plan and direct access to Michael.
Community access included during the private term
Direct checkout is paused until the live $1,300 amount is verified.
Private repair plus a customized business-funding build-out for the person who needs both stages handled as one project.
Everything in Direct, plus
Application path. No public checkout is live yet.
Community is standardized support. Direct and Complete buy private access, personalization, processing priority, and a fixed program structure. Community access during a private term is included access, not a separate paid tier.
The private payment arrangement is discussed only after a Credit Fit Review when affordability is the objection. Any total and schedule are shown in writing before acceptance.
Founding Member pricing is available while the community is under 100 members. At 100 total members, new-member pricing becomes $97/month. Existing paid Founding Members keep $77 while their paid membership remains continuously active. If they cancel and return later, the current public price applies.
Community is not a weaker version of the dispute work. It is a standardized delivery model with group support and a strict monthly recap.
Private programs add Michael's time, personalization, priority, and goal-specific planning.
Side by side
The difference is not a better dispute letter. It is how much access, planning, and processing priority the path includes.
| Community | Direct | Complete | |
|---|---|---|---|
| Public price | Founding $77/month | $1,300 PIF | $2,199 |
| SmartCredit monitoring | Separate $39/month | Separate $39/month | Separate $39/month |
| Three-bureau audit | Full | Full | Full |
| Repair delivery | Standardized | Private | Private |
| Written progress report | Monthly | Monthly and per round | Monthly and per round |
| File recap | Strict 15 minutes monthly | 60-minute private call monthly | 60-minute private call monthly |
| Group office hours | Weekly | Included | Included |
| Access to Michael | Community support | Direct access | Direct access |
| Processing | Standard queue | Priority | Priority |
| Roadmap | Standard pathway | Personalized | Personalized plus funding build-out |
| Goal-specific planning | General education | Included | Included |
| Community access | While subscribed | Six-month private term | Six-month private term |
| Business-funding build-out | Not included | Not included | Included |
| Enrollment path | Direct checkout | Fit review or private checkout | Application and fit review |
Founding Member pricing is available while the community is under 100 members. At 100 total members, new-member pricing becomes $97/month. Existing paid Founding Members keep $77 while continuously active; returning members pay the current public price. SmartCredit is required while RSC is actively working a file. It is a separate account, not the price of the RSC program or the free Credit Fit Review.
The $1,300 price is for private access, personalization, priority, and a fixed six-month program. Every line below describes a real service or planning component.
Community has a defined service floor rather than a fictional value stack. Complete adds the customized funding build-out and planning work after the private repair path.
The right choice depends on your deadline, the complexity of the file, and how much planning you need from Michael.
What Complete is not: I am not a lender or broker. The funding work is structure, preparation, and sequencing. The approval decision belongs to the lender.
Service and communication
Every active program has a defined service rhythm. What changes by path is the level of access, call depth, and processing priority that I commit to delivering.
You receive the written monthly report and strict 15-minute recap. Standard processing and group support are part of the service rhythm.
You receive the private monthly strategy call, direct access, priority handling, and a written update about the work. If I go dark for more than 10 business days during an active round, your next round is on me.
You receive everything in Direct plus the customized funding build-out and dedicated support delivered by Michael.
This is a promise about work and communication, not about your score. No one can guarantee a score, a deletion, an approval, a funding amount, a rate, or removal of accurate and verifiable information. SmartCredit monitoring is separate at $39/month.
If yours is not here, ask it on the Credit Fit Review. I would rather answer it before you pay than after.
Community is standardized repair, a written monthly report, a strict 15-minute recap, group office hours, education, and standard processing. Direct adds a private 60-minute strategy call per active month, direct access to Michael, priority processing, and a personalized roadmap. Complete adds the customized business-funding build-out and planning.
Yes. The 30-minute call itself has no fee. Bring a current three-bureau report or use the standardized SmartCredit link. SmartCredit is separate from RSC, can begin with a $1 trial, and renews at $39/month under its terms.
While RSC is actively working your file, the required SmartCredit monitoring account keeps current three-bureau reports available for between-round comparison, progress tracking, and next-round planning. It is purchased separately at $39/month from SmartCredit. If you do not enroll with RSC, you can cancel directly with SmartCredit.
No. What I can promise is the defined work and communication for the program you choose. The bureau and furnisher decide whether an item is removed, and accurate, current, verifiable information is not removed.
Yes. You have the right to dispute inaccurate information directly with the bureaus for free. The Credit Fit Review helps determine whether the file is simple enough to handle yourself or whether defined support would save you time and planning effort.
Community is $77/month to RSC during Founding Member pricing, with separate required SmartCredit monitoring at $39/month. The total founding commitment is $116/month. Founding Member pricing is available while the community is under 100 members. At 100 total members, new-member pricing becomes $97/month. Existing paid Founding Members keep $77 while continuously active; if they cancel and return, the current public price applies. Direct is $1,300 paid in full. Complete is $2,199 through an application and fit review. A private payment arrangement may be discussed after the review when affordability is the objection. The exact total and schedule are shown in writing before acceptance.
Community may be the better path when you need standardized repair, group education, and a defined monthly recap. If neither path fits your file or timing, I will say so on the review.
No. RSC Credit Freedom Solutions is not a law firm, lender, broker, or credit counseling agency. Complete provides structure, preparation, and sequencing. The lending decision belongs to the lender.
That is exactly what the Credit Fit Review is for. Michael identifies the goal, deadline, previous attempts, and report obstacles, then recommends Community, Direct, Complete, or a step you can take on your own.
30 minutes. No cost, no card. I will tell you honestly if I do not think I can help.