At Credit Fix JOE™, our programs are built around structured credit strategy, lawful escalation, and financial clarity. Whether you are starting fresh or accelerating toward major approval goals, there is a level designed for you. CORE STRATEGY PLAN™ $99.99/month Our CORE STRATEGY PLAN™ is the perfect starting point for individuals ready to take control of their credit with a clear and organized plan. This program includes: • Personalized credit action strategy tailored to your profile • Monthly disputes to all three credit bureaus • Legally structured bureau challenges • Ongoing progress monitoring • Access to our expert support team No long-term contracts. Just consistent forward movement. Ideal for foundational rebuilding, maintenance, or getting started the right way. ADVANCED OPTIMIZATION PLAN™ $199.99/month The ADVANCED OPTIMIZATION PLAN™ builds upon the Core Strategy with stronger escalation and financial optimization support. In addition to everything included in Core Strategy, this plan adds: • Direct furnisher challenges to creditors simultaneously with bureau disputes • Escalated layered dispute sequencing for deeper pressure • A personalized budgeting session with a licensed fiduciary • Proactive privacy opt-out processing to reduce prescreened offers and data exposure This is our most popular program because it combines credit restoration with financial structure — creating faster traction and stronger long-term outcomes. Designed for clients who want more leverage and measurable momentum. CONCIERGE EXECUTIVE PLAN™ $299.99/month Our CONCIERGE EXECUTIVE PLAN™ is our all-inclusive, high-touch experience for clients who want maximum acceleration and priority-level attention. This plan includes: • Unlimited dispute cycles and escalations • Priority support via phone, email, and text • Strategic settlement negotiation guidance • Ongoing personal financial advisory check-ins • Executive-level case oversight and strategy reviews This is full credit recovery with VIP-level structure and direct access when you need it. What Happens After Enrollment? Once enrollment is complete, a Credit Fix JOE™ expert will personally contact you to review your credit profile, confirm your strategy, and walk you through the next steps. We don’t just send letters. We build strategy. We apply pressure. We create momentum.