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**If you are only interested in the credit audit, click here.

A credit audit is not a requirement to begin services. 
The credit audit is an excellent place to start for most because this will give you a breakdown of the derogatory items on your credit report and a plan of attack. The audit is very popular with my DIY cousins in the Facebook group or those straddling the fence on hiring someone or doing it themselves.

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**Credit Monitoring via SmartCredit or Identity IQ is a REQUIREMENT for ALL active clients, so if you choose to move forward with my services, you will need to continue your membership. This is also reiterated in the client contract.

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Fill out the webform below.

(and if you want to book a credit audit, here.)

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I will review the information provided and send you an email with the next steps!

See you soon!

Thank you for considering The Money Plug for your credit restoration needs!

 

Details about how our service works are below:

Fees & Services for Individual Clients

There are three plans to choose from regarding credit repair services: basic, standard, premium

Basic: A fee of $150 will cover the initial onboarding fee and your first round of challenges to become a client. This plan includes the unlimited challenges of inquiries, personal information, and collections (excluding medical collections). After 45 days, a $60 fee will be charged. This is a recurring charge every 45 days.

Standard: A fee of $225 will cover the initial onboarding fee and your first round of challenges to become a client. This plan includes everything in the basic plan plus the unlimited challenges of late payments, student loans, medical debt, and charge-offs. After 45 days, a $60 fee will be charged. This is a recurring charge every 45 days.

Premium: A fee of $300 will cover the initial onboarding fee and your first round of challenges to become a client. This plan includes everything in the standard plan plus the unlimited challenges of anything requiring third-party reporting agency disputes. After 45 days, a $60 fee will be charged. This is a recurring charge every 45 days.

*bankruptcies are a separate $125 charge*

Fees & Services for Couples

There are three plans to choose from regarding credit repair services: basic, standard, premium

Basic: A fee of $375 will cover the initial onboarding fee and the first round of challenges to become a client. This plan includes the unlimited challenges of inquiries, personal information, and collections (excluding medical collections). After 45 days, a $100 fee will be charged. This is a recurring charge every 45 days.

Standard: A fee of $425 will cover the initial onboarding fee and the first round of challenges to become a client. This plan includes everything in the basic plan plus the unlimited challenges of late payments, student loans, medical debt, and charge-offs. After 45 days, a $100 fee will be charged. This is a recurring charge every 45 days.

Premium: A fee of $500 will cover the initial onboarding fee and the first round of challenges to become a client. This plan includes everything in the standard plan plus the unlimited challenges of anything requiring third-party reporting agency disputes. After 45 days, a $100 fee will be charged. This is a recurring charge every 45 days.

*bankruptcies are a separate $125 charge per person*

A La Carte Credit Repair

The fees associated with this option vary depending on the items the client would like disputed. 

Please Note:

I highly suggest booking a credit audit before signing the client agreement. This ensures, firstly, that you are setting realistic, attainable goals. This also allows me to ensure I am the right credit specialist for you.

One round is equal to 45 business days (about 9 weeks), as this is how long the bureaus and creditors have to respond

 

To cancel, email me directly at customerservice@themoneyplug.co with the title “CANCELLATION” as the subject line.

Our average client is with us for 7-9 months. It is important to note, each credit report is different, so we are NOT making any time guarantees. This is only an average time frame.

 

Refunds

Please understand that Money Plug, LLC cannot guarantee results. Each situation is different, so we do not promise that any one item will increase your credit score or that any item thing will delete anything. We cannot possibly know what the bureaus may or may not do. We only promise to challenge inaccurate items on your credit report.

Refunds are not granted once your letters have been mailed out. However, you may cancel reoccurring services at any point in time. Please be sure you agree to this because you will be asked to sign an agreement before creating your letters.

 

Monitoring

The below credit monitoring is REQUIRED for the entire time that you are an active client until the service ends. This is to ensure we will always be able to track any changes on your credit report.

Our software only works with the monitoring company through the following link: www.smartcredit.com/TMP

*Please Note*

If you have a different credit monitoring service, please let me know before your onboarding to request your login information or have you sign in to grant me access to your credit reports. 

Expectations

Every person’s situation and credit reports vary, so you may need more or less time than our average 7 to 9 months. Please consider the time commitment carefully. The processing time takes 5-7 business days. And the credit bureaus have 45 business days from the date they receive the letters to respond to each round in writing. These responses will be mailed to you, and it is your responsibility to upload them into the client portal.

 

Rules

  • No online disputing or with creditors via phone

  • No applying for credit without first consulting with your specialist

  • You must upload your responses from the credit bureaus to the client portal within 15 days of receipt. Noncompliance with this rule will delay your results

  • No missed/late payments on any open accounts (missing payments will tank your score and undo any building we've done) after becoming a client.

  • If you or another company sends letters to the bureaus before beginning our services, we will have to wait 45 business days (9 weeks) from the date the bureaus received the last round of disputes before we can send out another round of letters for you.

  • You must have a physical address inside of the United States for the bureaus to respond to (no PO Boxes)

How to reach us

The Money Plug does not offer phone support. Communication is in writing or via Zoom only.

Office hours are Monday-Friday 8 AM-5 PM EST, email responses from customer support are typically within 1 business day. Portal message responses from our team are typically within 2 business days. 

We are excited to assist you in reaching your credit goals! If you have any questions, do not hesitate to reach out! 

 

Very Respectfully,

 

Markia Brown 

The Money Plug

**GA residents are only authorized credit audits, NOT full credit repair services**

To schedule your credit audit with me, click the button below!