Your credit profile can affect your ability to access financial opportunities. DCS helps you address eligible credit-report issues while educating you on how to build and maintain a stronger personal credit profile.
Both plans include dispute assistance and credit education. DCS does not promise deletion of accurate information, and no credit-score increase is guaranteed.
The core credit-repair and education option.
The more comprehensive credit strategy option.
Couples can receive 50% off the second person's credit-repair plan for the duration of their active credit-repair program when both enroll together.
The discount applies to the second enrolled individual and is subject to DCS terms. Plan availability and pricing may change.
These are educational benchmarks DCS uses to discuss credit readiness — not guaranteed approval requirements.
10% or less
Revolving utilization
100%
On-time payment history
0
Unresolved derogatory items (where applicable)
0
Collections
0
Late payments
4+ years
Credit history
10–12+
Positive open accounts
2 or fewer
Hard inquiries per bureau
These are educational benchmarks used to discuss credit readiness. Actual lender requirements vary, and meeting these benchmarks does not guarantee approval, funding, or a particular credit score.
Talk to a DCS advisor.