Clear Options. Transparent Pricing. Real Support.

Choose the option that fits your situation. No pressure, no long-term contracts, and no guarantees — just clear guidance and support.

Every credit situation is different. That’s why our pricing is designed to give you flexibility, clarity, and support — whether you’re just getting started or need ongoing advocacy. Review the options below and choose what makes sense for you.

PRICING

Choose the Option That Fits Your Situation

Additional Requirements & Recommended Costs

To provide services effectively, efficiently, and in compliance with industry standards, the following items are required or strongly recommended:

  • Notarized Power of Attorney:
    $44.95 (one-time)
    Allows us to properly advocate on your behalf when communicating with creditors and agencies, helping reduce unnecessary delays and repeated back-and-forth.

  • Credit Monitoring:
    $34.95 per month
    (Required to accurately review your credit reports, monitor updates, and track progress throughout the process.)

  • Mailing of Correspondence:
    Priority Mail (Highly Recommended): $15 per letter
    (Provides tracking, delivery confirmation, and faster processing.)
    First-Class Mail: Included at no additional cost if Priority Mail is declined.
    (Does not include tracking or delivery confirmation.)

Credit Audit & Action Plan

Best for understanding what's holding your credit back and what to do next.

$49 One-Time

  • Full credit report review

  • Identification of errors and risk areas

  • Personalized action plan

  • Clear explanation of next steps

No contracts - cancel anytime

Credit Advocacy Program

Best for clients who want hands-on support disputing inaccuracies and rebuilding credit.

$399 Enrollment

$109 per Month

  • Credit audit and ongoing review

  • Strategic dispute and advocacy support

  • Progress tracking and guidance

  • Access to support when questions come up

No contracts - cancel anytime

Complete Financial Support

Best for those looking for credit help plus long-term financial guidance.

$499 Enrollment

$159 per Month

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No contracts - cancel anytime

Services are based on individual credit profiles and circumstances. Approve My Score and Fred Livai Financial do not guarantee specific results or credit score increases.

What to Expect

We focus on education, strategy, and advocacy — not shortcuts. Results depend on your unique credit profile and circumstances. Our role is to help you understand your options and support you every step of the way.

Approve My Score and Fred Livai Financial do not guarantee specific outcomes or credit score increases. Services are based on individual credit profiles and circumstances.