Our Services
Choose a package
Take the first step toward financial freedom.
At Debts in a Row, LLC, we don’t just fix credit—we help you reclaim control, confidence, and peace of mind. Our plans are designed to meet you exactly where you are, whether you’re starting fresh, building momentum, or ready to go all in. Choose the level of support that fits your goals and let’s get your debts in a row—one step at a time.
Learn about our services
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$89/month + $49.99 onboarding fee
Take control of your credit with clarity and confidence.
Our Basic Package provides essential credit insight and guidance to help you start your journey toward financial recovery. With structured support, monthly updates, and educational resources, you’ll gain the knowledge and tools to make intentional progress—one step at a time.What’s Included:
✅ Dispute up to 5 inaccurate items per month with all three credit bureaus (Experian, TransUnion, Equifax)
✅ Monthly credit analysis report
✅ Access to educational resources & video library
✅ Secure online client portal for tracking your progress
✅ Email support (response within 2–3 business days)
✅ Guidance on identity theft monitoring
IdentityIQ Requirement
To provide the most accurate, timely, and effective credit repair services, clients must maintain an active IdentityIQ account throughout their participation in this program. This service is discounted through our Affiliate Link for $27.99/month.
Why IdentityIQ?
IdentityIQ is a secure credit monitoring platform that tracks your credit across all three bureaus. It helps us:Monitor your credit activity in real time
Identify inaccurate, unverifiable, or outdated items
Generate accurate monthly reports
Alert you to potential identity theft
How to Enroll:
Use the enrollment link provided in your welcome packet.
Sign up for a plan that monitors all three credit bureaus (monthly plan recommended).
Allow access to be shared with Debts in a Row, LLC.
Important:
Keeping your IdentityIQ account active is required to continue receiving services.
If your account lapses or access is revoked, services may be paused until your account is reactivated.
➡️ Perfect for self-starters who want structured, professional guidance and the tools to monitor and improve their credit effectively.
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$119/month + $49.99 onboarding fee
Take confident steps toward lasting change.
The Standard Package is designed for clients ready to move beyond the basics and build real momentum in their credit journey. With more personalized guidance and ongoing support, you’ll have the tools, insight, and accountability to make steady, measurable progress toward your financial goals.What’s Included:
✅ Dispute up to 10 inaccurate or outdated items per month with all three credit bureaus (Experian, TransUnion, Equifax)
✅ Monthly credit score tracking & detailed analysis
✅ Personalized credit-building plan tailored to your credit profile
✅ Bi-weekly email and phone support (response within 1–2 business days)
✅ Budgeting templates & debt payoff tools
✅ Guidance on secured cards, credit mix, and tradelines
✅ Mid-month progress check-ins via email
IdentityIQ Requirement
To provide the most accurate, timely, and effective credit repair services, clients must maintain an active IdentityIQ account throughout their participation in this program. This service is discounted through an Affliate Link to only $27.99/month.
Why IdentityIQ?
IdentityIQ is a secure credit monitoring platform that tracks your credit across all three bureaus. It helps us:Monitor your credit activity in real time
Identify inaccurate, unverifiable, or outdated items
Generate accurate monthly reports
Alert you to potential identity theft
How to Enroll:
Use the enrollment link provided in your welcome packet.
Sign up for a plan that monitors all three credit bureaus (monthly plan recommended).
Allow access to be shared securely with Debts in a Row, LLC.
Important:
Keeping your IdentityIQ account active is required to continue receiving services.
If your account lapses or access is revoked, services may be paused until your account is reactivated.
➡️ Perfect for clients who want structure, feedback, and faster results on their credit journey with professional guidance every step of the way.
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$199/month + $49.99 onboarding fee
Commit fully to your financial transformation.
The Premium Package offers comprehensive, hands-on support for clients serious about reclaiming their credit and rebuilding their financial future. With personalized strategies, priority access, and advanced dispute services, you’re not just repairing your credit—you’re rewriting your financial story.What’s Included:
✅ Unlimited disputes on all negative or inaccurate items across all three credit bureaus (Experian, TransUnion, Equifax)
✅ Monthly 1-on-1 strategy call with your credit specialist
✅ Rapid Rescore support (when applicable)
✅ Custom credit rebuilding roadmap with progress milestones
✅ Debt validation letters & creditor communication assistance
✅ Priority email and phone access (responses within 24 hours)
✅ Support with complex accounts (student loans, charge-offs, collections)
✅ Credit coaching for long-term financial health
IdentityIQ Requirement
To provide the most accurate, timely, and effective credit repair services, clients must maintain an active IdentityIQ account throughout their participation in this program. Through our Affiliate Link, the monthly subscription price will be heavily discounted to $27.99/month for the IdentityIQ service.
Why IdentityIQ?
IdentityIQ is a secure credit monitoring platform that tracks your credit across all three bureaus. It helps us:Monitor your credit activity in real time
Identify inaccurate, unverifiable, or outdated items
Generate accurate monthly reports
Alert you to potential identity theft
How to Enroll:
Use the enrollment link provided in your welcome packet.
Sign up for a plan that monitors all three credit bureaus (monthly plan recommended).
Allow access to be shared securely with Debts in a Row, LLC.
Important:
Keeping your IdentityIQ account active is required to continue receiving services.
If your account lapses or access is revoked, services may be paused until your account is reactivated.
➡️ Best for clients who want a complete, hands-on approach with fast-tracked results and full professional support at every step of their credit journey.
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