Analyze
Review your credit profile and identify potential reporting issues that may deserve closer attention.
HOUSTON • TRANSPARENT • EDUCATION-FIRST
Your Credit. Our Strategy. You Pay for Qualifying Results.
Performance-based credit improvement designed around transparency, education, legitimate dispute support, and measurable outcomes.
$0 Due at Enrollment
No Monthly Service Fee
Performance-Based Pricing
$50
Initial Credit Analysis & Service Fee
$35
Standard Qualifying Account Deletion / Bureau
$0
Monthly Service Fee
The $50 Initial Credit Analysis & Service Fee is due within 3 days after onboarding is completed and your Round 1 dispute letters have been drafted.
Results vary. The Score Doctors does not guarantee deletions, credit-score increases, financing approvals, or specific outcomes.
CREDIT SHOULD SUPPORT YOUR NEXT MOVE
Build toward more financial options.
Homeownership. Vehicle financing. Better habits. More informed financial decisions.
$0 Due at Enrollment
Start the enrollment process without a Score Doctors service payment due at signup.
No Monthly Service Fee
No traditional recurring monthly credit-repair subscription from The Score Doctors.
Transparent Pricing
Understand the applicable fee categories and how per-bureau pricing works.
MORE THAN CREDIT REPAIR
Analyze. Challenge. Optimize.
Our approach is built around understanding your profile, addressing legitimate reporting concerns, and helping you become more informed about credit moving forward.
Challenge
Develop a legitimate dispute strategy around information you identify as potentially inaccurate, incomplete, outdated, inconsistent, or otherwise disputable.
Optimize
Strengthen your knowledge of credit utilization, payment history, inquiries, balances, and other important credit factors.
Diagnose the profile.
Prescribe the strategy.
Prepare for what comes next.
HOW IT WORKS
A structured process from analysis to qualifying results.
The process is designed around review, legitimate dispute support, monitoring, education, and transparent performance pricing.
Credit Analysis
Review your credit profile and identify areas requiring additional attention.
Identify Potential Reporting Issues
Identify information you believe may be inaccurate, incomplete, outdated, inconsistent, or otherwise legitimately disputable.
Develop the Dispute Strategy
Build a structured strategy around the applicable accounts and reporting concerns.
Challenge Applicable Information
Prepare dispute correspondence for applicable information identified during the review process.
Monitor & Review Responses
Review bureau responses, updated reporting, and changes to the credit profile.
Verify Qualifying Results
Determine whether applicable deletions or corrections meet the qualifying performance-fee criteria.
Educate & Optimize
Continue building stronger credit knowledge and long-term financial habits.
PERFORMANCE-BASED PRICING
Pay for qualifying results.
Our pricing model is designed to be transparent and easy to understand without a traditional monthly Score Doctors service subscription.
$0 Due at Enrollment
There is no Score Doctors service payment due when completing your initial enrollment.
$50 One-Time
Initial Credit Analysis & Service Fee due within 3 days after onboarding is completed and Round 1 dispute letters have been drafted.
$35 Per Bureau
Applies to qualifying collection, charge-off, and other standard negative-account deletions.
$0 Monthly
No recurring monthly service subscription from The Score Doctors.
WHAT DOES PER BUREAU MEAN?
Each bureau is treated separately.
If a qualifying collection is deleted from all three bureaus, the applicable performance fee is charged for each bureau where the qualifying result occurs.
Experian
$35
Equifax
$35
TransUnion
$35
Total Qualifying Performance Fee
$105
COMING SOON
More Than Disputes.
The Score Doctors Academy.
We're building a client education platform designed to help clients better understand credit, strengthen their financial knowledge, and prepare more confidently for future financial goals.
Credit Foundations
Understand credit reports, utilization, payment history, balances, account age, inquiries, and other important credit factors.
Credit Prep for Home Buying
Educational guidance focused on understanding credit factors that may matter when preparing for future home financing.
Credit Prep for Car Buying
Learn more about credit-profile factors that may affect future vehicle-financing decisions.
The 750+ Club
Educational strategies focused on building stronger long-term credit habits. No particular credit score is promised or guaranteed.
CREDIT SHOULD SUPPORT YOUR NEXT MOVE
The goal is more financial flexibility.
Whether your next goal is homeownership, a vehicle, stronger financial habits, or simply understanding your credit better, your credit profile can play an important role in the options available to you.
Start Your Credit JourneyRESULTS & TRANSPARENCY
Real results belong here.
As verified client outcomes become available, this area can be used to display anonymized examples of qualifying account deletions, inquiry removals, and reporting corrections.
Account Deletions
Verified Results Coming Soon
Inquiry Removals
Verified Results Coming Soon
Reporting Corrections
Verified Results Coming Soon
We do not fabricate testimonials, statistics, score increases, or before-and-after claims.
WHY THE SCORE DOCTORS
A different approach to credit improvement.
Performance-Based Structure
Applicable fees are tied to defined qualifying results instead of a traditional monthly service subscription.
Transparent Pricing
Pricing categories and per-bureau examples are published so clients can understand the model.
Educational Focus
Credit improvement should include better understanding, not just dispute activity.
Secure Client Portal
Clients can access their account through a secure client portal during the service process.
Strategy-Based Process
Each client profile is reviewed individually rather than relying on a one-size-fits-all approach.
Houston-Based Brand
Built in Houston with a modern approach to consumer credit education and improvement.
FREQUENTLY ASKED QUESTIONS
Know what to expect.
What is performance-based credit improvement?
It is a service model where defined fees may apply to qualifying results rather than charging a traditional recurring monthly Score Doctors service subscription.
What does $0 due at enrollment mean?
It means there is no Score Doctors service payment due when you initially complete enrollment.
What is the $50 Initial Credit Analysis & Service Fee?
The fee covers the initial credit analysis, client-file preparation, strategy development, and Round 1 dispute-letter preparation.
When is the $50 fee due?
It is due within 3 days after onboarding is completed and your Round 1 dispute letters have been drafted. Applicable payment terms are also provided in the client service agreement.
What does per bureau mean?
The applicable performance fee is calculated separately for each bureau where a qualifying result occurs.
What happens if a qualifying deletion does not occur?
If a qualifying deletion does not occur, that specific deletion-based performance fee would not apply.
Are results guaranteed?
No. Results vary. The Score Doctors does not guarantee deletions, score increases, approvals, or any specific outcome.
How long does the process take?
Timelines vary depending on the consumer's credit profile, the information being challenged, bureau responses, furnishers, and other circumstances.
Is there a monthly Score Doctors service fee?
No. The current performance-based model does not include a traditional recurring monthly Score Doctors service fee.
Is credit monitoring required?
Yes. Third-party credit monitoring is required during service. CreditHeroScore is currently $19.99 per month and is paid directly to the third-party provider rather than The Score Doctors.
What is The Score Doctors Academy?
The Score Doctors Academy is an educational platform currently under development. Once launched, it is planned as an included educational benefit for active clients.
Can accurate negative information be removed?
The Score Doctors does not promise removal of accurate, complete, and legally reportable negative information.
READY TO GET STARTED?
Start with a more transparent approach.
Review the pricing structure, complete your enrollment, and begin the onboarding process.