At The Credit Laboratory, we understand that every credit profile is different. Whether you're rebuilding your credit, preparing for a major purchase, or simply ready to take control of your credit, we offer different levels of service to meet you where you are.

Choose the program that best fits your budget, goals, and the level of support you want.

IMPORTANT: Active credit monitoring through our partnered provider is required for all credit repair programs. Credit monitoring is $29.99 per month and is separate from The Credit Laboratory's service fees. Clients must enroll using our designated link and maintain active monitoring while receiving services.

PROGRAM 1

MONTHLY CREDIT REPAIR

$148 Enrollment + $48/Month

Professional Credit Repair With Ongoing Team Support.

Our Monthly Credit Repair program is designed for clients who want professional assistance addressing their credit reports while keeping their initial investment lower.

You'll work with The Credit Laboratory team throughout the credit repair process.

What's Included:

✓ Review of your credit reports
✓ Identification and review of potentially inaccurate, incomplete, or unverifiable information
✓ Disputes prepared and submitted as appropriate
✓ Ongoing dispute rounds based on your individual credit profile and results
✓ Progress monitoring
✓ Credit education throughout your journey (Skool Community)
✓ Client portal access
✓ Support from The Credit Laboratory team

Who Is This Program Best For?

Monthly Credit Repair may be a good fit if you:

✓ Prefer a lower upfront investment
✓ Want ongoing credit repair services
✓ Prefer paying monthly rather than making a larger one-time payment
✓ Want professional assistance reviewing and addressing your credit reports
✓ Are comfortable working with Jennifer and The Credit Laboratory team rather than exclusively 1-on-1 with Jennifer

Your Investment

Enrollment Fee: $148

Monthly Service Fee: $48/month

Required Credit Monitoring: $29.99/month

Credit monitoring is billed separately through our partnered provider.

GET STARTED WITH MONTHLY CREDIT REPAIR

⭐ MOST POPULAR

PROGRAM TWO

12-MONTH CREDIT PROGRAM

$448 One-Time Payment

One Payment. Up to 12 Months of Credit Repair Support.

Our 12-Month Credit Program is our most popular option and offers an affordable way to receive ongoing credit repair services without paying The Credit Laboratory a monthly service fee.

Instead of paying an enrollment fee followed by monthly credit repair payments, you make one $448 payment for your 12-month program.

You'll work with Jennifer and The Credit Laboratory team throughout your credit repair journey.

What's Included:

✓ Up to 12 months of credit coaching and repair services
✓ Review of your credit reports
✓ Identification and review of potentially inaccurate, incomplete, or unverifiable information
✓ Disputes prepared and submitted as appropriate
✓ Ongoing dispute rounds based on your individual credit profile and results
✓ Progress monitoring throughout the program
✓ Credit education throughout your journey (Skool Community)
✓ Client portal access
✓ Support from The Credit Laboratory team

Why Is This Our Most Popular Program?

If you remained in our Monthly Credit Program for 12 months, your service fees would total:

$148 Enrollment + $48 × 12 Months = $724

Our 12-Month Credit Coaching Program is:

$448 ONE-TIME

That's a difference of $276 compared with paying our enrollment fee and 12 monthly service payments.

Who Is This Program Best For?

Our 12-Month Program may be a good fit if you:

✓ Are ready to commit to working on your credit
✓ Prefer one payment instead of monthly credit repair service payments
✓ Want up to 12 months of professional credit repair support
✓ Want our best-value credit repair option
✓ Don't require exclusive 1-on-1 service directly with Jennifer

Your Investment:

$448 One-Time Payment

No $48 monthly credit repair service fee.

Required Credit Monitoring: $29.99/month

Credit monitoring is billed separately through our partnered provider and must remain active while you are receiving services.

CHOOSE OUR MOST POPULAR PLAN

PROGRAM THREE

PREMIUM 1-ON-1 CREDIT PROGRAM

$948 One-Time Payment

12 Months of Personalized Credit Support.

Work Directly With Jennifer Campbell.

Our Premium 1-on-1 Credit Program is our highest level of personalized credit service.

This 12-month program is designed for clients who want more individualized attention, strategy, education, and guidance throughout their credit journey.

Unlike our standard programs, which are serviced by Jennifer and The Credit Laboratory team, Premium clients receive direct 1-on-1 service with Jennifer.

What's Included:

✓ 12 months of credit repair services
✓ Direct 1-on-1 service with Jennifer
✓ Comprehensive credit report review
✓ Personalized credit strategy based on your individual profile and goals
✓ Identification and review of potentially inaccurate, incomplete, or unverifiable information
✓ Disputes prepared and submitted as appropriate
✓ Ongoing dispute rounds based on your credit profile and results
✓ Personalized credit-building guidance
✓ Credit optimization education
✓ Progress reviews throughout your 12-month program
✓ Recommendations based on your individual credit goals
✓ Priority support
✓ Client portal access
✓ Ongoing credit education

Who Is Premium Best For?

Our Premium Program may be a good fit if you:

✓ Want to work directly with Jennifer
✓ Prefer a more personalized credit experience
✓ Want individualized strategy based on your credit profile
✓ Have multiple or more complex credit concerns
✓ Are preparing for a major financial goal
✓ Want credit repair combined with personalized credit education and strategy
✓ Want a higher level of individual support throughout your journey
✓ Prefer a full 12-month program with one upfront payment

Your Investment

$948 One-Time Payment

Your Premium investment covers your 12-month program.

Required Credit Monitoring: $29.99/month

Credit monitoring is billed separately through our partnered provider and must remain active throughout your program.

START MY PREMIUM 1-ON-1 PROGRAM

REQUIRED CREDIT MONITORING

$29.99/Month

Required for All Credit Repair Programs

Credit monitoring is not an optional add-on.

Every client enrolled in our Monthly, 12-Month, or Premium Credit Repair Program is required to enroll in and maintain active credit monitoring through The Credit Laboratory's partnered provider using our designated enrollment link.

Credit monitoring allows us to access the credit-report information necessary to review changes to your reports, monitor progress, and determine appropriate next steps throughout the credit repair process.

Please Note:

Credit monitoring costs $29.99 per month and is separate from the fees paid directly to The Credit Laboratory.

You must maintain active monitoring while receiving applicable credit repair services.

If your monitoring membership is canceled, expires, becomes inaccessible, or your payment method fails, we may be unable to continue servicing your file until access is restored.

CLICK HERE TO ACTIVATE REQUIRED CREDIT MONITORING

WHICH PROGRAM SHOULD I CHOOSE?

Want the Lowest Initial Investment?

Choose our Monthly Credit Program.

Start with $148 enrollment, followed by $48 per month for ongoing credit repair services.

Want the Best Overall Value?

Choose our 12-Month Credit Program.

Pay $448 one time and receive up to 12 months of credit repair services without paying our $48 monthly service fee.

It's our MOST POPULAR option.

Want to Work Directly With Jennifer?

Choose our Premium 1-on-1 Credit Program.

Pay $948 one time for a 12-month personalized program that includes direct 1-on-1 service with Jennifer.

FREQUENTLY ASKED QUESTIONS

Is credit monitoring included in the program price?

No. Credit monitoring is provided through our partnered provider and costs $29.99 per month.

It is separate from the fees paid to The Credit Laboratory and is required for all credit repair programs.

Do I have to use The Credit Laboratory's credit monitoring link?

Yes. Clients must enroll with our partnered credit monitoring provider through The Credit Laboratory's designated link and maintain active monitoring while receiving credit repair services.

Do I work directly with Jennifer?

It depends on the program you select. Our Monthly and 12-Month Credit Coaching Programs are serviced by Jennifer and The Credit Laboratory team.

If you want direct 1-on-1 service with Jennifer Campbell, choose our Premium 1-on-1 Credit Coaching Program.

Is the $448 program really for 12 months?

Yes. The $448 one-time payment covers up to 12 months of credit repair services under the program.

You will still be responsible for maintaining the required $29.99/month credit monitoring service separately.

Is Premium also a 12-month program?

Yes. Our Premium 1-on-1 Credit Coaching Program is $948 for 12 months and includes direct personalized service with Jennifer.

Required credit monitoring remains separate at $29.99 per month.

Why is Premium more expensive than the regular 12-month program?

The primary difference is the level of access and personalization. Our $448 program provides professional credit repair services with support from The Credit Laboratory team.

Premium is designed for clients who want direct 1-on-1 access to Jennifer, personalized credit strategy, priority support, and a higher level of individual guidance throughout their 12-month program.

Can you guarantee that my credit score will increase?

No. Every credit profile is different, and credit scores are calculated using information contained in an individual's credit file and the scoring model being used. The Credit Laboratory does not guarantee a particular credit score increase, deletion, approval, funding amount, or specific result.

How long will it take to repair my credit?

There is no universal timeline. The credit repair process can vary based on the information contained in your reports, responses from credit bureaus and data furnishers, changes to your accounts, and your individual circumstances. Our 12-month programs provide an extended period for our team to work with you, but we cannot guarantee that a particular result will occur within a specific amount of time.

READY TO GET STARTED?

You don't have to navigate your credit journey alone.

Whether you choose our affordable Monthly Credit Repair Program, our Most Popular 12-Month Program, or our personalized Premium 1-on-1 Program, our goal remains the same:

To help you better understand your credit, address potential reporting issues, and make more informed decisions about your financial future.

MONTHLY CREDIT PROGRAM — $148 + $48/MONTH

MOST POPULAR — 12 MONTHS FOR $448

PREMIUM 1-ON-1 — 12 MONTHS FOR $948

REQUIRED CREDIT MONITORING — $29.99/MONTH

THE CREDIT LABORATORY

EDUCATE. EMPOWER. ELEVATE.

www.thecreditlaboratory.com

IMPORTANT DISCLOSURE

The Credit Laboratory does not guarantee the removal of accurate information from a consumer's credit report, a specific credit-score increase, approval for credit or financing, a particular credit limit, funding amount, interest rate, or any other specific result.

Results vary based on each consumer's individual credit profile, the information being reported, responses from credit bureaus, creditors and other data furnishers, changes made by the consumer, and other factors outside of The Credit Laboratory's control.

Credit repair services are intended to assist consumers in reviewing their credit information and exercising applicable consumer rights regarding information they believe may be inaccurate, incomplete, or otherwise subject to dispute.

Credit monitoring through our partnered provider is required for participation in our credit repair programs and is billed separately at $29.99 per month.

HOW TO WORK WITH US

1. Consultation or complete the enrollment form at www.thecreditlaboratory.com/enroll.

Credit monitoring is required through our third-party partner for $29.99 per month. Failure to maintain credit monitoring will result in your immediate removal from any program and no refunds will be given.

You can not apply for credit while in our programs unless you are advised to do so. Any new inquiries will result in your immediate removal from our program and no refunds will be given.

Any new late payments will result in the clients file being closed and no refunds will be given.

Discovery Calls and Consultations can be scheduled at www.thecreditlaboratory.com/calendar

Credit reports can be accessed from www.smartcredit.com/creditlab

NO REFUNDS. WE ARE NOT ATTORNEYS. THIS IS NOT LEGAL ADVICE. WE DO NOT GUARANTEE RESULTS.