Programs
Learn to fix your own credit with a community behind you. Done-for-you private support when you want it handled. Funding guidance when you are ready for that next move.
Start here
Per month. Monthly membership.
Learn to repair your own credit step by step, with a community and resources to help along the way.
SmartCredit monitoring is not required, but it is encouraged so you can track your progress.
Done-for-you support
Paid in full. Or $2,000 as 4 monthly payments of $500.
We handle the disputes for you, with a 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.
Funding readiness
Success fee on approved funding. $0 upfront.
Know where you stand, which lenders fit, and how to sequence personal and business funding before anything is submitted.
12.5% of approved funding, invoiced as approvals come in. No approvals, no fee. Qualified direct entry is welcome.
Start with the Academy if you want to do it yourself with a community behind you. Choose Credit Comeback if you want it done for you, with a private plan. Complete is a separate funding 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 | $1,200 in full, or 4 x $500 monthly | 12.5% of approved funding, $0 upfront |
| Main focus | DIY credit repair education and community | Done-for-you private credit repair | Personal and business funding |
| 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, sequencing, and submitted applications |
| Academy access | While membership is active | During active engagement | Not included |
| Active term | Monthly membership | As stated in your agreement | 1 year |
| 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 Credit Comeback and encouraged for Academy members. Complete is a funding service and does not include credit repair.
Credit Comeback is for the person who wants the disputes handled for them, a private look at their file, and 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
RSC prepares and submits your applications in the order your plan calls for, with your OK on each one.
$0 upfront. A 12.5% success fee applies to approved funding, invoiced as each approval comes in. Example: $50,000 approved means a $6,250 fee. No approvals, no fee.
The term is one year. Lenders make every approval decision.
Book a funding fit reviewYou should not have to wonder whether anyone is working on your behalf.
Step-by-step lessons, resources, and a place to ask questions through the community.
Disputes handled for you, individualized progress updates, and a strategy review for each dispute round.
A clear stage plan, prepared and submitted applications, and an update as each lender decides.
The practical details, so you can choose with confidence.
No. The Academy is a $77 monthly digital membership that teaches you how to work your own credit, with education, resources, templates, and community support. If you want the disputes handled for you, that is Credit Comeback.
SmartCredit is required while RSC works your credit file on Credit Comeback. It gives us current reports for comparison and progress tracking. It is separate from your RSC service fee. Academy members do not need it, but it is encouraged so you can track your own progress.
No. Credit Comeback is a private done-for-you consumer-credit service with comprehensive individual analysis, a personalized goal plan, private support, and a strategy review per dispute round. It is $1,200 paid in full, or $2,000 as 4 monthly payments of $500. 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.
Approved personal and business credit card limits, lines of credit, and loan amounts, including 0% intro APR cards, when the application was part of your RSC funding plan. The fee is 12.5% of the approved amount, not what you spend. Net-30 vendor accounts, accounts you already had, authorized-user accounts, and prequalifications do not count.
One year. Approvals that come in within 90 days after the term ends, from applications submitted during the term, still count toward the fee.
We do. RSC prepares and submits your applications in the order your plan calls for, with your approval on each one. Lenders make their own decisions. No approval, credit limit, funding amount, or interest rate is guaranteed.
No. Credit Comeback follows one compliant dispute cycle at a time. The next action depends on the file and the responses received. A monthly payment 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, and the Academy teaches you how. Credit Comeback is for people who want RSC to manage the process for them. 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.