Your Credit Is Costing You Real Money.
We Fix That — And You Don't Pay Until We Do The Work.
Formula 850 LLC — Credit Repair & Financial Consulting Agency
Registered in New Jersey | Not a law firm
🔒 NO WORK, NO PAYMENT.
You only pay your monthly fee after we complete and verify each month's work.
That's our promise — and it's written into your service agreement.
$129/month
Package 1
850 CREDIT RESET
$497 one-time enrollment + $129/month billed only after work is verified
Limited Monthly Enrollment —
We Only Accept 25 Clients Per Month To Maintain Quality
BEST FOR:
Everyday people dealing with collections, medical debt, late payments, or standard negative reporting holding back their score — and ready to fix it the right way.
WHAT YOU GET:
✅ A Full Credit Audit & Personal Action Plan
We pull your report, analyze every negative account, and map out exactly what we're going to challenge and why — so you know your plan before you pay a single monthly fee.
✅ Bureau Disputes Across All 3 Bureaus
Equifax, Experian, and TransUnion — we challenge inaccurate, incomplete, and unverifiable items using federal consumer protection laws on your behalf.
✅ CFPB Complaint Filings & Certified Mail Escalation
When bureaus and furnishers don't follow the law, we escalate. CFPB filings and certified mail correspondence add legal pressure most clients can't generate on their own.
✅ Credit Monitoring Setup & Score Strategy
We set up your monitoring, walk you through what each score factor means, and give you a strategy to build positive credit alongside the disputes.
✅ Secured Card & Bank Relationship Strategy
We show you which secured cards to open, when, and how to use them — plus how to position your bank relationships to internally score you higher.
✅ You Don't Pay Monthly Until We Do The Work
Your $129/month fee is only billed AFTER we complete and confirm each month's work. No work, no payment.
✅ 3-Month Performance Guarantee
If you make 3 consecutive on-time payments and we fail to deliver agreed-upon dispute work, you get your money back. Per CROA-compliant terms in your service agreement.
THIS IS NOT FOR YOU IF:
- You expect specific point increases or guaranteed deletions (no legitimate company can promise that)
- You're not willing to make on-time payments on your existing accounts during the process
- You're looking for an overnight fix — real credit repair takes 3–6 months minimum
THIS IS FOR YOU IF:
- You want a clear, structured plan instead of guessing
- You want a real human handling your file, not a bot
- You want bilingual support (English & Español)
- You're tired of denials and ready to take this seriously
$497 Consulting & Planning Fee at enrollment + $129/month (billed only after monthly work is confirmed)
Free consultation included. Formula 850 LLC is a credit repair and financial consulting agency. We are not a law firm.
Free consultation included with every program.
Your monthly service fee is only charged after we
complete and confirm your work each month.
Formula 850 LLC is a credit repair and financial consulting agency.
We are not a law firm.
$197/month
Package 2
850 FIRM⭐ Most Popular
$997 one-time enrollment + $197/month billed only after work is verified
⚡ Limited Capacity — Only 10 Firm-Tier Files Accepted Per Month
This tier requires deeper file work and attorney coordination. Slots fill fast.
BEST FOR:
People dealing with charge-offs, repossessions, judgments, identity theft, or complex negative reporting that needs maximum legal force — not just standard disputes.
WHAT YOU GET:
✅ Everything in 850 Credit Reset — Plus Legal Firepower
You get the full audit, dispute, monitoring, and coaching system from Tier 1 — but built around the assumption that your file needs more than standard letters.
✅ Attorney File Preparation & FCRA Violation Assessment
We prepare your file for legal review and assess every account for Fair Credit Reporting Act violations — the kind that can trigger statutory damages.
✅ Partner Law Firm Referral For Litigation Support
When FCRA violations are confirmed, we refer your case to our partner law firm. They handle the legal side. You don't pay them directly — their fees come from violators, not you.
✅ Eligible For $500–$1,000 Per Inaccurate Account
Federal law (FCRA §1681n) allows statutory damages of $500–$1,000 per willful violation. Some clients have collected real money from creditors who broke the law. Eligibility determined by partner law firm. Damages not guaranteed.
✅ Enhanced Financial Assessment
Deeper analysis of your full credit and banking profile — including which accounts to keep, close, or restructure for maximum score impact.
✅ You Don't Pay Monthly Until We Do The Work
Your $197/month fee is only billed AFTER we complete and confirm each month's work. No work, no payment.
✅ 3-Month Performance Guarantee
If you make 3 consecutive on-time payments and we fail to deliver agreed-upon dispute work, you get your money back. Per CROA-compliant terms in your service agreement.
THIS IS NOT FOR YOU IF:
- You only have 1–2 minor items (Tier 1 is the better fit and will save you money)
- You're not willing to provide documentation when the law firm requests it
- You expect guaranteed legal payouts (legitimate FCRA cases take 30–90 days and depend on creditor behavior)
THIS IS FOR YOU IF:
- Your credit damage is serious enough that standard disputes won't cut it
- You suspect creditors or bureaus have reported you incorrectly
- You want both credit repair AND a shot at FCRA damages
- You want bilingual support (English & Español)
$997 Consulting & Planning Fee at enrollment + $197/month (billed only after monthly work is confirmed)
Free consultation included. Formula 850 LLC is a credit repair and financial consulting agency. We are not a law firm. Partner law firm services are independent and subject to their own engagement.
Free consultation included with every program.
Your monthly service fee is only charged after we
complete and confirm your work each month.
Formula 850 LLC is a credit repair and financial consulting agency.
We are not a law firm.
$3,299
Package 3
LIFETIME MEMBERSHIP
$3,299 one-time payment No Monthly Fees Lifetime Access · Founder Pricing
⚡ Founders Pricing — Only 100 Lifetime Memberships Available
Once we hit 100 founding members, this price closes. Future enrollment will be priced higher with annual renewal fees. Founders keep lifetime access at the original rate.
BEST FOR:
Entrepreneurs, trucking owners, and business operators who want to stop using personal credit to fund their business — and finally separate the two for good.
WHAT YOU GET:
✅ Your Business Credit Profile, Built Right The First Time
We set up your EIN-based business credit foundation step-by-step — so banks, vendors, and lenders see your business as fundable, not a startup risk.
✅ A Done-With-You Funding Roadmap (32+ Loan Options, Rates From 0–9%)
We map out which lenders match your business profile, what they require, and the exact order to apply. No more guessing. No more denials. Lender approval depends on your business and credit profile and is not guaranteed.
✅ 6 Months Of 1-On-1 Coaching With Advisor
Weekly check-ins. Direct text and email access. Real answers from someone who's been in business for 15+ years and credit for 10. Bilingual support — English & Español.
✅ Vendor & Tradeline Strategy
(Plain English Version)
We tell you exactly which vendors to open accounts with, in what order, and how to use them to build a strong Paydex score — without the guesswork.
✅ Business Banking & Credit Structure Setup
We help you structure your banking and credit profile the way real fundable businesses are structured — not the way most owners accidentally do it wrong.
✅ Loan & Funding Readiness Prep
By the end of 6 months, your business credit profile is positioned to qualify for funding programs — whether you need working capital, fleet financing, or expansion capital. Approval depends on lender criteria; funding amounts not guaranteed.
✅ Lifetime Access. Pay Once.
Most programs charge $300+/month forever. We don't. One payment, full setup, lifetime access to your business credit profile and our community.
THIS IS NOT FOR YOU IF:
- You're looking for a "push button get $250K" scheme — this is real work
- You don't have an established business entity yet (we can help you form one separately)
- You aren't willing to commit 30–60 minutes a week for 6 months
THIS IS FOR YOU IF:
- You want to stop putting business expenses on personal credit cards
- You want access to lender networks most owners don't know exist
- You want a real human guiding you, not a software dashboard
- You want it done right the first time
$3,299 One-Time Payment — Lifetime Access to money (Founder Pricing)
Free consultation included. Formula 850 LLC is a credit repair and financial consulting agency. We are not a law firm.
Free consultation included with every program.
Your monthly service fee is only charged after we
complete and confirm your work each month.
Formula 850 LLC is a credit repair and financial consulting agency.
We are not a law firm.
How The Process Works
Remove Derogatory Items Holding Back Your Scores
By using consumer protection laws, we challenge and remove errors holding back your credit
We Do Everything We Can To Get You Fast Results
With our risk-free pricing, you have professionals driven to get the best results as quickly as possible
Professional Credit Audit and Analysis Report
Get a full analysis of your entire credit report as well as personalized action plan to address the issues
Personalized Strategy To Improve Your Credit
Your credit is unique to you, we start by creating a personalized plan to help you improve your credit
Get Unlimited Personalized Credit Bureau Disputes
Attorney-Backed Escalation
Via partner law firm referral
You Get The Absolute Best Customer Care Around
We strive to keep you up to date with your case with email notification, online portal, and phone support
Three Steps to a Clean Credit Profile
You can’t drive how you want, you have to follow the traffic laws. Just like traffic laws the banks, credit bureaus, and creditors have credit laws they need to follow. A lot of times banks, credit bureaus, and collection agencies don’t follow these laws when reporting derogatory accounts.
Audit
Step 1 — Book Your Free Consultation
We pull your full credit report, analyze every negative account,
and map out your complete action plan. No charge. No obligation.
Challenge
Step 2 — We Work Your File Every Month Bureau disputes. CFPB complaint filings. Certified mail to furnishers.
When FCRA violations are found, we refer your file to a partner law firm for escalation and potential legal action.
You are only billed after we complete and confirm each month's work.
Repeat
Step 3 — You Get Results
Deletions. Score increases. A credit profile built for real approvals mortgages, auto loans, and business funding.
Clients with FCRA violations may be eligible for $500–$1,000 per inaccurate account through our partner law firm.
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