Collections
Review the account, balance, dates, and who is reporting it. Inaccurate information can be disputed.
CREDIT HELP, MADE PERSONAL
Collections, missed payments or repossessions?
Choose a plan for help reviewing what is reported, identifying possible inaccuracies, and mapping a realistic path forward.
Choose a plan that fits.Select your package now. We’ll explain what’s included, confirm eligibility and send the required written terms before work begins.
REVIEW YOUR REPORTDISPUTE ERRORSPLAN WHAT’S NEXT
First responders, essential workers and eligible family: see your 25% community rate ↓English & EspañolChoose your credit plan
Select a package and tell us how to reach you. We’ll confirm availability, send the written service terms and explain the next steps before enrollment.
5TH AVENUE CREDIT
Know what can be addressed
Negative marks can feel overwhelming. We start with the details of your report and explain what may be disputed and what calls for a rebuilding plan.
Late payments
Check payment dates and account history for errors. If the reporting is accurate, focus on steps you can take going forward.
Repossessions
Review the account status, balance, and reporting dates. We’ll discuss possible errors and a realistic path ahead.
MONTHLY CREDIT SUPPORT
The support you need, at a fairer price
Choose a plan to begin. We’ll confirm your state and provide written terms before enrollment. Submitting the form does not charge you.
Credit Review
$69 / monthCommunity: $51.75 / month- Review of your three-bureau reports and available scores
- Help with appropriate challenges to bureaus and furnishers for identified errors
- Monthly progress summary, credit education and email support
Repair Plus
$89 / monthCommunity: $66.75 / month- Everything in Credit Review
- Review of questionable inquiries and creditor letters where appropriate
- Personalized credit guide and one consultation per service month
Complete Support
$109 / monthCommunity: $81.75 / month- Everything in Repair Plus
- More involved case coordination and two consultations per service month
- Three-bureau review and a financing-readiness summary based on available records
25% COMMUNITY RATE
For those who serve—and their families
First responders: law enforcement, firefighters, EMS and emergency dispatch. Essential workers: healthcare, education, utilities, transit and sanitation. Military and veterans are also eligible. Spouses or partners, parents and adult children of eligible members can request the rate. We confirm eligibility privately; do not upload an ID here.
25%off eligible monthly service
No setup fee. Customer-provided reports and scores are reviewed; automated score monitoring, report purchases, live chat and a client portal are not included in this draft. You may dispute errors yourself for free. Written terms and cancellation rights come before enrollment. No payment is requested here; invoices are sent only when legally permitted for completed work. We do not guarantee deletions, score increases or loan approvals. Independent business; no government or financial-institution affiliation.
THE PROCESS
How it works
Choose a plan
Choose a package and leave your contact details. You don’t need a credit report or payment details yet.
Review the written terms
We’ll confirm service availability, explain the specific work and provide the agreement and cancellation information.
Authorize the work
After you review and sign the required documents, approved work can begin. We invoice only when the applicable payment rules allow it.
Good to know
Can collections or late payments be deleted?
Accurate, current negative information generally cannot be removed just because it hurts your score. Reporting errors can be disputed and corrected.
Can I dispute errors myself?
Yes. You can dispute credit-report errors yourself for free. We’ll explain any assistance we offer so you can decide whether it’s useful.
Is there a fee to get started?
Proposed monthly plans are $69, $89 or $109, with a 25% community rate for eligible people. We explain the written terms before enrollment and do not take advance payment for credit repair work.