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No. 010 Privacy file packages

Every package.
Every feature.

A legal new credit file is backed by the Privacy Act of 1974, and people, celebrities and politicians have used them for more than fifty years. Five levels, all starting the same way: a brand new file built and ready within 24 hours (Sundays excepted). From there they differ in file history, authorized-user reporting, credit repair help, and the extras that come along.

5 package levels24 hrs to a new fileHalf down Rentals and up
No. 011 The climb

Five steps up,
side by side.

Each level adds file history, reporting and support on top of the one before it. Tap any level to jump to its full feature list.

Level 01Basic $797Single flat payment
Score target
None yet
File history
0 yrs
AU accounts
0
AU reporting
Self-add
Public records
100+
Repair rounds
0
Every feature Level 02Rentals $1,197$598 to start
Score target
670+
File history
6 mo-2 yrs
AU accounts
1
AU reporting
Low-limit
Public records
100+
Repair rounds
0
Every feature Level 03Standard $1,497$748 to start
Score target
720+
File history
2-4 yrs
AU accounts
2
AU reporting
$15K-$25K
Public records
100+
Repair rounds
0
Every feature Level 04Professional $1,947$973 to start
Score target
740+
File history
8+ yrs
AU accounts
2
AU reporting
$50K+
Public records
100+
Repair rounds
2
Every featureDeepest file Level 05Premium Pro $2,747$1,373 to start
Score target
760+
File history
15-30 yrs
AU accounts
4
AU reporting
$100K+
Public records
150+
Repair rounds
3
Every feature
No. 012 By the numbers

The same five levels,
measured four ways.

File history, authorized-user reporting, public record filings and credit repair rounds, charted straight from the package details below.

How far back your file goes

File history range by package, in years. Professional is open-ended above eight.

051015202530Basic0 yrsRentals0.5-2Standard2-4Professional8+Premium Pro15-30

Authorized-user accounts

Accounts included, with the open credit they report above each bar.

01234Self-addBasicLow-limitRentals$15K-$25KStandard$50K+Professional$100K+Premium Pro

Public record filings

Filed on your file's behalf, with a tracking spreadsheet.

Basic100+Rentals100+Standard100+Professional100+Premium Pro150+

Credit repair rounds included

Complimentary rounds, one square per round.

BasicNoneRentalsNoneStandardNoneProfessional2 roundsPremium Pro3 rounds
No. 013 Level by level

What is inside
each one.

Every feature, what you still handle yourself, and how long each piece really takes.

Level 01 · 10 features

Basic

$797
Single flat payment

Who this is forSomeone who wants a brand new file fast and is ready to apply for their own tradelines using the list we hand over.

A woman opening her blinds at sunrise
  • New file built and ready within 24 hours
  • No starting score. Your file has zero months of history until your own tradelines post
  • We provide the list of primary tradeline accounts. You apply and get approved on your own, we do not apply for you
  • You need at least two approved primary accounts for a workable credit mix
  • More than 100 public record filings submitted on your file's behalf
  • A tracking spreadsheet with account access so you can watch the filings post
  • Our current best-practices guide for using a brand new file correctly from day one
  • Live phone support seven days a week
  • Optional, no added cost: register your file's number with the IRS so it functions as a personal filing identifier (ask us if this fits your plan)
  • A single flat payment. No deposit, no balance due later
What you still handleThe primary tradeline applications, any monthly fee those accounts carry (typically $0 to $25 a month), and if you are renting, your own first month, last month, and deposit since there is no score to lower those costs yet.
Realistic timelineFile ready in 24 hours, public record filings fully visible across national databases in roughly 10 days. Your own primary tradelines post on whatever schedule the card issuer uses once you are approved.
Submit my information for Basic →

We confirm every detail with you before anything is paid, then send the Zelle, Cash App or cryptocurrency instructions. Questions? Call (888) 954-3516, 9am to 5pm Pacific, 7 days a week.

Got it. Your information is in. A team member will confirm the details with you by phone, email or text before anything is paid.

Level 02 · 11 features

Rentals

$1,197
$598 to start

Who this is forSomeone whose next step is signing a lease and wants a lower move-in cost.

A couple standing in their new apartment
  • Score target: 670 or better
  • File history: 6 months to 2 years
  • One authorized-user account included
  • Built around low-limit cards, the kind landlords look for on a rental application
  • Aimed at getting you into a place with first month's rent and little to no security deposit
  • New file built and ready within 24 hours
  • More than 100 public record filings with a tracking spreadsheet
  • Our current best-practices guide
  • Live phone support seven days a week
  • We hand you the primary tradeline list once your public record filings are done, so you can start applying for your own accounts
  • Optional IRS registration for your file's number, no added cost
What you still handleApplying for one or two primary tradelines from our list to round out your file, and any small monthly fee those accounts carry.
Realistic timelineFile ready in 24 hours, public record filings visible in roughly 10 days, authorized-user reporting typically shows up after the account's next billing cycle closes once your balance is paid.
Submit my information for Rentals →

We confirm every detail with you before anything is paid, then send the Zelle, Cash App or cryptocurrency instructions. Questions? Call (888) 954-3516, 9am to 5pm Pacific, 7 days a week.

Got it. Your information is in. A team member will confirm the details with you by phone, email or text before anything is paid.

Level 03 · 12 features

Standard

$1,497
$748 to start

Who this is forSomeone who wants real buying power for a car, a card, or a bank account, not just a place to live.

A man holding up the key to his car
  • Score target: 720 or better
  • File history: 2 to 4 years
  • Two authorized-user accounts, reporting up to $15,000 to $25,000 in open credit
  • Supports mid-level credit cards, auto loan applications, and bank or debit account approvals
  • Also usable as a personal guarantor file if you are exploring a business credit profile
  • Best move-in rates of any tier without added credit repair
  • New file built and ready within 24 hours
  • More than 100 public record filings with a tracking spreadsheet
  • Our current best-practices guide
  • Live phone support seven days a week
  • Primary tradeline list provided once filings are complete
  • Optional IRS registration for your file's number, no added cost
What you still handleThe primary tradeline applications and any small monthly cost tied to them.
Realistic timelineFile ready in 24 hours, filings visible in roughly 10 days, authorized-user reporting after the balance is paid and the next billing cycle closes on those accounts.
Submit my information for Standard →

We confirm every detail with you before anything is paid, then send the Zelle, Cash App or cryptocurrency instructions. Questions? Call (888) 954-3516, 9am to 5pm Pacific, 7 days a week.

Got it. Your information is in. A team member will confirm the details with you by phone, email or text before anything is paid.

Level 04 · 12 features

Professional

$1,947
$973 to start

Who this is forSomeone building toward funding, starting a business, or wanting credit repair help alongside a new file.

  • Score target: 740 or better
  • File history: 8 years or more
  • Two authorized-user accounts, reporting $50,000 or more in open credit
  • Two rounds of complimentary credit repair included on your file
  • Supports funding applications, business start-up needs, and high-limit credit cards
  • $200 off any credit repair work you later choose to do on your Social Security number file
  • New file built and ready within 24 hours
  • More than 100 public record filings with a tracking spreadsheet
  • Our current best-practices guide
  • Live phone support seven days a week
  • Primary tradeline list provided once filings are complete
  • Optional IRS registration for your file's number, no added cost
What you still handlePrimary tradeline applications, their small monthly fee, and follow-through on any credit repair disputes we help you file.
Realistic timelineFile ready in 24 hours, filings visible in roughly 10 days, two rounds of credit repair working through the bureaus on their own timeline (bureaus generally respond within 30 to 45 days per round), authorized-user reporting after balance and billing cycle.
Submit my information for Professional →

We confirm every detail with you before anything is paid, then send the Zelle, Cash App or cryptocurrency instructions. Questions? Call (888) 954-3516, 9am to 5pm Pacific, 7 days a week.

Got it. Your information is in. A team member will confirm the details with you by phone, email or text before anything is paid.

Level 05 · 15 features

Premium Pro

$2,747
$1,373 to start

Who this is forSomeone who wants the deepest file history available, the most authorized-user reporting, and the full library of guides that go with it.

  • Score target: 760 or better
  • File history: 15 to 30 years
  • Four authorized-user accounts, reporting $100,000 or more in open credit
  • More than 150 public record filings, the highest of any tier, with a tracking spreadsheet
  • Three rounds of complimentary credit repair included
  • 5 to 8 years of rental primary account reporting, showing $2,500 to $3,500 in payment history
  • Both volumes of our Secret to Wealth guide series (business setup methods and advanced business credit building)
  • A bonus guide on structuring funding requests
  • Our full list of 1,000 lenders plus a government grants list
  • $400 off any credit repair work you later choose to do on your Social Security number file
  • New file built and ready within 24 hours
  • Our current best-practices guide
  • Live phone support seven days a week
  • Primary tradeline list provided once filings are complete
  • Optional IRS registration for your file's number, no added cost
What you still handlePrimary tradeline applications and their small monthly fee. Everything else on this tier is done for you.
Realistic timelineFile ready in 24 hours, filings visible in roughly 10 days, three rounds of credit repair working through the bureaus over several months, authorized-user reporting after balance and billing cycle, rental primary reporting posting on the reporting schedule set by that account.
Submit my information for Premium Pro →

We confirm every detail with you before anything is paid, then send the Zelle, Cash App or cryptocurrency instructions. Questions? Call (888) 954-3516, 9am to 5pm Pacific, 7 days a week.

Got it. Your information is in. A team member will confirm the details with you by phone, email or text before anything is paid.
No. 014 Full comparison

The whole lineup,
on one page.

Sixteen features across all five levels. The column on the right is the deepest file we build.

FeatureBasic$797Rentals$1,197Standard$1,497Professional$1,947Premium Pro$2,747
Price$797$1,197$1,497$1,947$2,747
Half down to startFull payment only$598$748$973$1,373
Score targetNone yet670+720+740+760+
File history0 years6 months to 2 years2 to 4 years8+ years15 to 30 years
New file turnaround24 hours24 hours24 hours24 hours24 hours
Authorized-user accounts0 (self-add option)1224
AU open credit reportingN/ALow-limit cards$15,000 to $25,000$50,000+$100,000+
Public record filings100+100+100+100+150+
Complimentary credit repair roundsNoneNoneNone2 rounds3 rounds
Rental primary reporting (5-8 yr history)NoNoNoNoYes
Best-practices guideYesYesYesYesYes
Live phone supportDailyDailyDailyDailyDaily
Savings on SSN credit repairNoNoNo$200 off$400 off
Secret to Wealth guide volumesNoNoNoNoBoth volumes
1,000 lenders + grants listNoNoNoNoYes
Primary tradeline list accessYesYesYesYesYes
Optional IRS file registrationYes, no chargeYes, no chargeYes, no chargeYes, no chargeYes, no charge

Swipe the table sideways to see every level.

No. 015 Terms to know

Words that come up
on every level.

Open credit reporting

Open credit reporting is the credit line size shown on your file because of the authorized-user accounts attached to it, not cash sitting in your name. It reflects the total limit the originating account holder has, tied to the accounts we add.

Authorized-user accounts are temporary by design

Most stay attached to a file for 30 to 60 days. That window is your chance to get your own primary tradelines approved, since those can stay on your file for good.

Primary tradelines usually carry a small monthly cost

Primary tradelines usually carry a small monthly cost, generally $0 to $25, that you manage on your own. Most only need a few months of on-time payment before they lock into your file permanently.

Address matters more than people expect

Use an address tied to your file that has not received mail for you before, a trusted friend or family member's home or a new PO box both work. We can walk you through forwarding mail once your file is active.

Public record filings need time to fully spread

Even once we file everything, expect around 10 days before those records show up consistently across national databases.

No. 016 Package questions

Still weighing
two of them?

Tell us what you are working toward and we will point you to the level that actually matches it, not the most expensive one.

Call (888) 954-3516 →

What if renting is my only goal right now?

Look at the Rentals package first. It is built around low-limit cards and gets you into a lease with first month's rent and little to no security deposit. You can always move up to a higher tier later.

Can I get both a privacy file package and the business build-out at the same time?

Yes. Many clients start a file first, then add the business build-out once they know the entity type they want. Tell us your order of priority and we will sequence the work so nothing sits idle.

What is the real difference between an authorized-user account and a primary tradeline?

An authorized-user account is added to your file by us and comes with a set reporting window, usually 30 to 60 days. A primary tradeline is an account you apply for and get approved on yourself, and it can stay on your file permanently. Every package gives you access to the primary tradeline list. Only Rentals and above include authorized-user accounts.

Why does Premium Pro cost so much more than Professional?

The jump covers a longer file history (15 to 30 years instead of 8-plus), double the authorized-user accounts, an extra round of credit repair, rental primary reporting, and a set of guides and lender lists that the lower tiers do not include.

Do I need decent credit already to qualify for any package?

No. These packages build a separate file, so your existing credit standing does not disqualify you from any tier.

What does "open credit reporting" actually mean on my file?

It is the credit line size shown because of the authorized-user accounts we add, not a lump sum of cash you now have access to. Your own approvals and credit line increases build from there over time.

Can I add a second package for a family member?

Ask us directly. Availability and pricing for a second package can change, so we confirm current terms on the call rather than posting a number that may be out of date.

How fast will my file actually be ready?

Within 24 hours of your order going through, except Sundays. That is the file itself, not the full posting of your public records.

Why does it take 10 days for public records to show up everywhere?

Filings go out to multiple databases that each update on their own schedule. Ten days is the realistic window for those records to appear consistently across national databases, even though we file them right away.

How long does the full business build-out take?

About nine weeks from start to finish, moving through 45 tasks at roughly one business day per task. Some steps depend on outside offices, like state filing counters, and those can shift the schedule.

When do my authorized-user accounts start showing up on my credit report?

Typically after your balance is paid off and the account's next billing cycle closes, usually within seven to ten days after that.

A lease, a car,
a business.

Tell us the goal and we will match the package to it.

Talk to our team → (888) 954-3516