Programs
Credit repair without figuring it all out alone. Private support when you need a personal plan. Business-capital guidance when you are ready for that next move.
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Per month. Monthly membership.
Get the credit repair work handled, with clear updates and a place to get help along the way.
Separate SmartCredit monitoring is required when we actively work your credit file.
Private support
Private consumer-credit service.
For a more personal plan, direct support from Michael, and a private conversation about each dispute round.
Choose the right support on the call. Your written agreement sets the service term.
Business capital readiness
Initial strategy fee + $1,000 milestone payment.
Know where your business stands, which lenders may fit, and how to prepare before you apply.
The $1,000 payment applies at $50,000 in qualifying aggregate business capital. Qualified direct entry is welcome.
Start with the Academy if you want affordable credit repair and group support. Choose Credit Comeback for private consumer-credit planning. Complete is a separate business-capital service, not a required third purchase.
Choose the support that fits where you are now. You can grow with RSC without paying for services you do not need today.
One clear choice based on the help you need, not a bundle of extras you have to buy.
| What matters | Academy | Credit Comeback | Complete |
|---|---|---|---|
| Price | $77/month | $1,300 | $1,199 + $1,000 milestone |
| Main focus | Standard credit repair and education | Private consumer-credit strategy | Business-capital readiness |
| Support | Group support | Private kickoff and per-round strategy review | Stage-by-stage funding guidance |
| Personalized plan | General education and guidance | Individual consumer-credit goal plan | Lender fit and application sequencing |
| Academy access | While membership is active | During active engagement | During active term |
| Active term | Monthly membership | As stated in your agreement | Until milestone or day 90, whichever comes first |
| Best next action | Explore the Academy | Free Credit Fit Review | Funding fit review |
On mobile, swipe the table to compare. SmartCredit is a separate subscription required for active credit repair. Complete includes standard Academy repair when appropriate, not the full private Credit Comeback service.
Credit Comeback is for the person who wants to talk through their file privately, understand the plan, and get direct help at each round.
Complete replaces random applications with a readiness review, lender-fit education, and a clear sequence for your next move.
01
Review your credit profile, business setup, banking, documents, and ability to support new financing.
02
Work through lender fit, preparation tasks, and the order of applications.
03
You submit your applications. RSC helps you prepare, review, and understand the next step.
$1,199 initial strategy fee. A separate $1,000 milestone payment applies when qualifying business capital reaches $50,000 in aggregate. That is $2,199 total only if the milestone is reached.
The active term ends at the milestone or 90 calendar days, whichever comes first. The milestone is a payment trigger, not a promise of approval or funding.
Book a funding fit reviewYou should not have to wonder whether anyone is working on your behalf.
Onboarding guidance, updates on the repair process, and a place to ask questions through group support.
Private analysis, individualized progress updates, and a strategy review for each dispute round.
A clear stage plan, preparation tasks, and guidance through lender-fit and application decisions.
The practical details, so you can choose with confidence.
Yes. The $77 monthly membership includes standard active credit repair for eligible members who choose it, along with education, resources, and group support. Active repair requires an active membership, separate SmartCredit monitoring, completed onboarding documents, and an appropriate next dispute action.
SmartCredit is required while RSC actively works your credit file. It gives us current reports for comparison and progress tracking. It is separate from your RSC membership or service fee. Education-only Academy members do not need it just to access the community.
No. Credit Comeback is a private consumer-credit service with comprehensive individual analysis, a personalized goal plan, private support, and a strategy review per dispute round. The Academy is a monthly membership.
Yes, if you qualify. You do not have to complete another RSC program first. We look at your overall readiness, business purpose, financial stability, documentation, and willingness to follow the plan, not just a credit score.
Qualifying capital includes accepted approved business credit-card and line-of-credit limits, plus funded principal from business loans. Multiple qualifying accounts can count toward the $50,000 total. Personal credit, authorized-user accounts, prequalifications, and unaccepted offers do not count.
Active support ends at the $50,000 milestone or 90 calendar days, whichever comes first. If day 90 arrives without the milestone, the milestone fee is not due just because the term ended. A 30-day attribution window may count qualifying capital from applications you submitted during the active term. That window does not extend support.
You do. RSC provides readiness, lender-fit, sequencing, preparation, and review guidance. Lenders make their own decisions. No approval, credit limit, funding amount, or interest rate is guaranteed.
No. Active repair follows one compliant dispute cycle at a time. The next action depends on the file and the responses received. Monthly membership does not mean a guaranteed new dispute round every calendar month or unlimited challenges.
Yes. The call itself has no fee. We discuss your goal, your situation, and the level of support that fits. You do not have to join the Academy through a sales call.
Yes. You can dispute inaccurate information directly with the credit bureaus for free. RSC provides support managing the process. No company can guarantee a deletion or remove accurate, current, verifiable information.
That is what the free Credit Fit Review is for. We talk through your goal and situation, then identify the support that fits.
30 minutes. No cost, no card. I will tell you honestly if I do not think I can help.