FR Financial Solutions Credit Repair Services Overview
Credit Repair Packages & Breakdown
How We Count Negative Items (Made Simple)
A negative account (like a charge-off, eviction, late payment, or bankruptcy) = 1 item
Even if that same account shows on all 3 credit bureaus, it still only counts once
It doesn’t matter how bad the item is — it’s still just 1 item
Inquiries don’t count at all (you can have as many as you want — we’ll still remove them for free)
Tier 1 Repair
1–7 Negative Items Repair
- Full payment is preferred for priority processing.
- $450 now / $397 in 30 days
- Best for most clients
- Unlimited inquiry removal included
- Covers removal of up to 7 total negative items.
- If the same item appears on all 3 credit bureaus, it still only counts as 1 item total, not 3. Includes unlimited inquiry removal.
Tier 2 Repair
8–17 Negative Items Repair
- Full payment is preferred for priority processing.
- $700 now / $597 in 30 days
- Great for moderate to heavy credit issues
- Unlimited inquiry removal included
- Covers removal of up to 17 total negative items across your credit report.
- Each item is only counted once — even if it shows on all 3 bureaus. Also includes unlimited inquiries and full 3-bureau coverage.
Tier 3 Repair
18+ Negative Items Repair
- Full payment is preferred for priority processing.
- $1,000 now / $997 in 30 days
- Full deep clean for damaged profiles
- Unlimited inquiry removal included
- Built for heavier files with 18+ negative items.
- Includes full 3-bureau removal, unlimited hard inquiries, and support with collections, charge-offs, and public records. Each negative account is still only counted once no triple-counting.
We only count each negative item once even if it appears on multiple bureaus.
Example: If the same collection is showing on Experian, TransUnion, and Equifax, it still counts as 1 item, not 3.
What We Remove
What We Remove
We dispute and remove all types of negative items across all three credit bureaus (Experian, Equifax, and TransUnion).
✅ Items we can remove include:
- Collections (paid or unpaid)
- Charge-offs
- Late payments
- Repossessions
- Student loan negatives
- Medical bills
- Evictions
- Utility and phone bills
- Bankruptcies (Chapter 7 & 13)
- Child support accounts
- Foreclosures
- Closed accounts with negative marks
- Open accounts with late or derogatory marks
- Public records
- Tax liens
- Judgments
- Hard inquiries (unlimited included)
If it’s negative and reporting on your credit — we can help remove it.
How to Get Started
Final Review Call Before Submission
Before we begin processing your disputes, a team member will contact you by phone for a quick confirmation call.
We’ll review your file with you to make sure every item is correctly listed before submitting your disputes.
Need Help?
If you need assistance or have questions during the process:
Chat with us
Our team is here to help you every step of the way.
