Pricing

We offer three simple pricing options designed to fit your goals and budget — whether you’re building, repairing, or growing your credit. Every plan is completely risk-free, with no upfront commitment, a money-back guarantee, and the flexibility to cancel anytime.

Choose the plan that works best for you and start improving your credit and financial future today — with total confidence and zero risk.

⚜️ Gold Plan

Collections & charge-offs only

$79/month

after $109 audit fee

  • Targeted disputes for collections & charge-offs

  • Direct coordination with all 3 bureaus & furnishers

  • Debt validation requests where applicable

  • Free inquiry deletions included

  • Free personal info corrections

  • 24/7 secure client portal access

  • Cancel anytime — no contracts

  • Free inquiry deletions included

  • Free personal info corrections

🪙 Platinum Plan

Unlimited deletions & disputes

$139/month

after $139 audit fee

  • Lifetime credit services after 12 payments

  • Unlimited deletions and disputes

  • Debt validation requests where applicable

  • Free inquiry deletions included

  • Free personal info corrections

  • 24/7 secure client portal access

  • Cancel anytime — no contracts

🎩 Black Badge

1-year audit fee + pay-per-deletion

$349

audit fee

pay-per-deletion thereafter

  • Comprehensive 3-bureau audit

  • Disputes across eligible negative items

  • Only pay for verified deletions

  • Debt validation requests where applicable

  • Pay-Per-Deletion Rates

  • Collections & Charge-offs - $50

  • Repossessions & Late Payments - $75

  • BK, Foreclosures & Child Support - $100

  • Free personal info corrections

  • Free inquiry deletions included

Risk-Free Guarantee

Our Money-Back Guarantee

We don't charge for promises — we charge for results. Every Premium Capital California program is backed by a written money-back guarantee. If we don't deliver, you don't pay.

90Day
Standard Credit Repair
No deletions, corrections, or updates in 90 days? Full refund of monthly service fees.
130Day
Mortgage Approval Accelerator™
Not mortgage-ready in 130 days? Full refund of all program service fees paid.
View Full Guarantee Terms →
Terms and conditions apply · Click to review qualification requirements

Credit Repair Services

  • Review your credit report for inaccurate items.

  • Review of outdated accounts.

  • Review your credit report for inaccurate personal information.

  • Review accounts that can be made current.

  • Review accounts with high credit utilization.

  • Build a plan on how to fix information.

  • Build a plan to raise and rebuild your credit score.

  • Provide you with a detailed report of everything listed above.

  • Analysis and review of your credit file status.

  • Receiving and processing manual updates.

  • Review credit report updates to determine next steps.

  • Create a strategic plan to assist in meeting your goals.

  • Create and send dispute letters to creditors.

  • Assist with credit questions and process.

  • Provide ongoing credit education and educational materials.

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