Our Services
Even one late payment can weigh down your profile, making approvals harder to secure. The Ruby Therapy Program provides personalized analysis and advisory guidance to help you understand where reporting errors may exist and how to address them strategically.
What You’ll Gain:
✔️ A tailored review of your payment history for reporting inconsistencies
✔️ Advisory guidance on how to address late-payment inaccuracies with the bureaus
✔️ Bureau-specific strategy recommendations to maximize effectiveness
✔️ Ongoing progress monitoring through your client portal
✔️ Education on the long-term impact of payment history and prevention strategies
Suggested Timelines:
1–7+ late payments: up to 150+ days, may require a custom or upgraded plan
Important Notes:
⛔ New late payments added post-enrollment are not covered
🛑 Clients with extensive late-payment histories may need a custom strategy upgrade
Who It’s For:
This program is best for individuals who want to strengthen the accuracy of their payment history reporting and prepare for future approvals, while committing to consistent on-time habits going forward.
Investment: $650 | Value: $1,500+
📊 Required: SmartCredit $29.99/month (for credit monitoring & analysis access)
If you’re preparing for a home, car, or business funding and need your profile positioned for success, Gold Momentum Therapy is your shift into high gear. This program provides advisory guidance and analysis to help you identify the most damaging items, map out your strategy, and prepare your file for powerful financial moves.
What You’ll Gain:
✔️ An expedited advisory plan designed to prioritize the most pressing negatives
✔️ Guidance on addressing charge-offs, collections, inquiries, and related items
✔️ Progress monitoring with real-time updates in your client portal
✔️ Priority advisor access for faster response times
✔️ Partner network support connections to trusted lenders, realtors, auto dealers, and tax pros
✔️ Education and financial growth tools to help you sustain momentum long-term
Suggested Timelines:
Most clients experience movement within 30–90 days, though complex files may extend up to 150 days.
Important Notes:
⛔ Inquiries added post-enrollment are not included
🛑 Files with bankruptcies, repossessions, or foreclosures may require a $900 upgraded strategy
Who It’s For:
Individuals who are actively pursuing new approvals and want strategic, high-level support to prepare their profile for the opportunities ahead.
Investment: $750 | Value: $1,800+
📊 Required: SmartCredit $29.99/month (for credit monitoring & analysis access)
Been told your file is “too far gone”? Diamond Therapy is where we prove otherwise. Complex profiles foreclosures, auto repossessions, layered collections, and stacked negatives require more than surface-level fixes. This program provides a deep-dive analysis and advisory strategy to help you navigate the most challenging reports with clarity, confidence, and precision.
What You’ll Gain:
✔️ A multi-layered advisory plan tailored to your unique profile
✔️ One-on-one strategy sessions with your advisor
✔️ Full access to your private client portal for updates and resources
✔️ Monthly progress reviews and milestone tracking
✔️ Partner support referrals to trusted professionals in real estate, lending, tax, and financial services
Why It Matters:
Complex financial files often create a cycle of discouragement, but with the right strategy, you can break through. Diamond Therapy helps you understand your heaviest obstacles, map out realistic pathways forward, and align your credit profile with your future financial goals.
Suggested Timelines:
Most clients see movement on heavy accounts within 60–120 days, though repossessions, evictions, foreclosures, and layered negatives may extend up to 150+ days depending on complexity.
Important Notes:
⛔ Inquiries added post-enrollment are not included
Who It’s For:
This program is built for individuals carrying what others call “unfixable” profiles. Whether it’s a foreclosure, repossession, or multiple layered collections, Diamond Therapy gives you the strategic roadmap to overcome and move forward.
Investment: $950 | Value: $1,500+
📊 Required: SmartCredit $29.99/month (for credit monitoring & analysis access)
Bankruptcy does not end your financial journey, it resets it. The Platinum Reset Program is a high-touch advisory experience tailored for individuals who have filed Chapter 7 or Chapter 13 and are committed to rebuilding smarter. With professional guidance, a structured restoration roadmap, and accountability, you’ll gain the tools and insight needed to move forward with strength, discipline, and clarity.
What You’ll Gain:
✔️ Advisory Bankruptcy Review – A professional review of your credit reports to ensure accounts discharged in bankruptcy are accurately reported, while identifying areas where your profile may need restoration.
✔️ Platinum Restoration Roadmap – A personalized step-by-step advisory plan designed to help you rebuild healthy financial practices, reduce future risk, and position yourself for future approvals.
✔️ Financial Wellness Guidance – Strategies and education to help you break old cycles, build long-term discipline, and sustain wellness beyond this program.
✔️ Client Portal Access – Secure and convenient access to progress reports, documentation, and updates.
✔️ Dedicated Advisory Support – Professional access for accountability and clarity throughout the reset process.
Why This Matters:
A bankruptcy may change your path, but it doesn’t define your future. The Platinum Reset Program helps you rebuild not just your credit profile, but your financial confidence and wellness. Our focus is on sustainable strategies that ensure you never have to face this chapter again.
Investment: $1,100 | Value: $5,200
📊 Required: SmartCredit $29.99/month (for credit monitoring & analysis access)
Strong credit builds strong opportunities, and when you and your partner align financially, your future multiplies. Couples Therapy is designed for partners who want to move forward together, whether that means preparing for homeownership, securing new funding, or simply cleaning up past missteps. With personalized strategies for each individual plus joint milestones as a couple, this program helps you get in sync and stay there.
What You’ll Gain (Per Person):
✔️ Individualized advisory and analysis for your unique credit profile
✔️ Progress updates with monthly reporting to track movement
✔️ A Couples Checklist to align your short- and long-term financial goals
✔️ Full access to your secure client portal
✔️ Partner support with trusted professionals in real estate, lending, tax, and funding
Why It Matters:
Financial journeys are rarely identical, but shared goals require shared strategy. Couples Therapy creates a dual-track plan where each partner receives focused guidance, while both move forward in step toward milestones like homeownership, business funding, or financial reset.
Suggested Timelines:
Most couples begin seeing progress within 30–90 days, with full momentum extending up to 150 days depending on the file.
Important Notes:
🛑 If either profile involves repossession, foreclosure, or bankruptcy, pricing adjusts to $850 per person. You’ll be notified before any upgrades apply.
Who It’s For:
Couples ready to stop working against each other financially and start building momentum together toward approvals, ownership, and shared financial wins.
Investment: $1,350 | Value: $6,000
📊 Required: SmartCredit $29.99/month (for credit monitoring & analysis access)
Financial challenges can feel overwhelming, but when you face them as a team, even the heaviest profiles can be overcome. This program is designed for couples managing more complex issues such as repossessions, foreclosures, or bankruptcy, and provides dual-track advisory strategies that address both individual files while aligning your shared financial future.
What You’ll Gain (Per Person):
✔️ A tailored strategy plan for complex profiles
✔️ Monthly progress reviews and detailed reporting
✔️ A Couples Checklist to track joint milestones and priorities
✔️ Full access to your secure client portal
✔️ Partner support with trusted real estate, tax, lending, and financial professionals
Why It Matters:
When one or both partners are facing layered negatives, the path forward requires patience, precision, and accountability. Couples Complex Therapy equips you with a step-by-step roadmap, giving you clarity while helping both of you move in sync toward long-term stability and major milestones like homeownership or business growth.
Suggested Timelines:
Most couples begin seeing progress within 30–90 days, with full momentum extending up to 190 days depending on the file.
Who It’s For:
Couples ready to rebuild from heavier setbacks together, with structured support that keeps both partners aligned as you work toward a stronger financial foundation.
Investment: $1,500 | Value: $7,999
📊 Required: SmartCredit $29.99/month (for credit monitoring & analysis access)