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
We do everything it takes to clean your credit — disputes, filings, legal escalation if necessary. No results, no payment. It's that simple
$129 / month
Package 1
850 CREDIT RESET
BEST FOR:
Basic collections, medical debt, late payments,
and standard negative reporting.
$497
Consulting & Planning Fee
Due at enrollment
+
$129 / month
Monthly Service Fee
Billed AFTER work is confirmed each month
WHAT'S INCLUDED:
✓ Full financial assessment
✓ Credit monitoring setup & management
✓ Secured credit card strategy
✓ Bank relationship planning & internal score optimization
✓ Bureau disputes — Equifax, Experian & TransUnion
✓ CFPB complaint filings
✓ Furnisher correspondence via certified mail
✓ Monthly progress updates
✓ 3-month performance guarantee
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
BEST FOR:
Credit card charge-offs, repossessions, judgments,
and complex negative reporting requiring maximum force.
$997
Consulting & Planning Fee
Due at enrollment
+
$197 / month
Monthly Service Fee
Billed AFTER work is confirmed each month
WHAT'S INCLUDED:
✓ Everything in 850 Credit Reset
✓ Enhanced financial assessment
✓ Attorney file preparation & documentation
✓ FCRA violation assessment via partner law firm
✓ Potential litigation support through partner law firm
✓ May be eligible for $500–$1,000 per inaccurate account*
✓ Monthly progress updates
✓ 3-month performance guarantee
*Eligibility determined by partner law firm. Not guaranteed.
Formula 850 LLC is a consulting agency, 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.
Call for price
Package 3
All in One
BEST FOR:
Entrepreneurs, trucking owners, and business operators
ready to build fundable business credit on their EIN —
separate from personal credit.
$3,299
One-Time Fee
WHAT'S INCLUDED:
✓ Full business credit profile setup (EIN-based)
✓ Vendor tradeline sequencing strategy
✓ Business credit monitoring enrollment
✓ Loan and funding readiness preparation
✓ Business banking and credit structure guidance
✓ Step-by-step business credit roadmap
Website + app + ADS SETUP
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.
Three Steps to a Clean Credit Profile
6+ Years in Business
Serving clients nationwide
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.
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.
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.
Don't Like Your Credit?
We Can Help! Schedule a FREE Review to find out how to make your credit awesome!
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