Services
Three ways to work with SafeArbor — pick the one that matches where you are right now. Every package comes with a written plan and a satisfaction guarantee.
For: First-time clients
A focused 30-minute call to review your 3 reports, identify what's hurting you, and walk away with a custom 90-day plan.
For: Ready-to-act clients
All 5 dispute letters, customized to your reports and ready to mail. Delivered in 24 hours. Fastest path to disputed items.
For: Serious about a 30-80 pt move
Full credit-fix package: 3 coaching calls, all 5 letters, weekly text check-ins, and direct support through every dispute.
Service 01
$25 · 30-minute strategy call
The fastest, lowest-risk way to find out exactly where your credit stands and what to do next. We get on a call, pull your reports together, and I tell you the truth — what's hurting you, what's fixable, and what to do this week.
Most calls happen within 48 hours of payment. Same-day if you're free and I have an open slot.
Your 3 credit reports — free at AnnualCreditReport.com. I'll send instructions when you book.
Yes. No upsell pressure on the call. If you want to keep working together, the Letter Pack or 90-Day Plan is there. If not, you keep your plan and run with it.
Service 02
$99 · one-time, delivered in 24 hours
Five battle-tested dispute and negotiation letters, customized with your specific accounts, dates, and amounts — ready to mail or upload to the bureaus. The fastest way to get items disputed without writing a word yourself.
The letters are based on the same FCRA and FDCPA citations attorneys use. They work when paired with realistic expectations: dispute inaccurate items, negotiate honest debts. They are not magic.
Mailing certified is the most effective. You can also upload through the bureau dispute portals — I'll show you which to use for which letter.
Yes. Each template is built so you can swap in different account info as you go.
Service 03
$249 · full 90-day engagement
If you want to move 30-80 points and you're willing to put in the work, this is the package. Three calls, all 5 letters, weekly accountability, and direct text access to me when you have a settlement offer or a tough call to make.
I can guarantee the strategy and the work. The score outcome depends on what's on your reports and how fast you execute. Most clients who follow through see real movement in 60 days.
You'll have a written plan for the next 90 even after we wrap. If you want to keep working together, we can renew at $199.
I coach you through them — under CROA, the dispute action stays with you. That's actually a strength: bureaus take consumer disputes more seriously than third-party services.
Every service comes with a satisfaction guarantee. The plan is the deliverable — and I've never had to issue a refund.
Start a conversationStart with the $25 Reset Call. We'll figure out what you actually need on the call — and the $25 credits toward any package you upgrade to.