📱 Text CREDIT
No Deletions = No Final Payment
CROA Compliant
Secure & Confidential
Credit Restoration Package

THE CLEAR STRETCH

Full credit restoration with custom dispute letters, unlimited rounds, and results-based pricing. Only pay the final payment after we get deletions.

$500
4 Easy Payments of $125 Final payment only after deletions
Start Your Clear Stretch Call (334) 938-9171
SmartCredit
Your Score
300
300 - 850
Equifax Experian TransUnion

$13,000+

Debt Removed for Clients

200+

Point Score Increases

3

Bureaus Cleaned

Performance Guarantee — You only pay the final $125 after we get deletions

How It Works

A simple 4-step process to restore your credit and take control of your financial future.

1

Sign Up for Monitoring

Get set up with SmartCredit monitoring (~$25/mo). Share your login or send us your PDF reports—your choice.

2

Violation Analysis

We analyze all 3 bureaus line by line, identifying every error and federal law violation on your report.

3

Custom Dispute Letters

We build personalized dispute letters based on YOUR specific violations—not cookie-cutter templates.

4

You Mail, We Monitor

You mail the letters (more legal power), we track responses and prepare additional rounds as needed.

Everything Included

The complete credit restoration toolkit—no hidden fees, no surprises.

Full 3-Bureau Analysis

Line-by-line review of Experian, Equifax & TransUnion using our Knight System

Custom Dispute Letters

Personalized letters built specifically for your violations—not generic templates

Unlimited Dispute Rounds

6 full months of dispute coverage—if we need to go again, no extra charge

Cease & Desist Letters

Stop collector harassment with legally-backed letters

Debt Validation Templates

Force collectors to prove what they claim you owe

Credit Building Roadmap

Strategy to add positive accounts while we clean up negatives

1-on-1 Coaching Call

30-minute personal session to review your situation and game plan

90-Day Re-Analysis

Free follow-up review to attack anything still remaining

Real Results, Real People

See what we've accomplished for clients just like you.

$13,000 Debt Removed in 30 Days

"I had student loan debt that was forgiven, but the credit bureaus still showed me owing $13,000 I didn't owe. FCACP got it completely removed from TransUnion and Equifax in just 30 days. Life-changing."

DM

Di'Ondre Mathis Jr.

Tuskegee, AL

Collections & Charge-Offs Deleted

"I had collections and charge-offs dragging down my Equifax score for years. FCACP analyzed my report, found the violations, and got them removed. Finally able to move forward with my credit."

HM

Hope R. Miller

Alabama

All Negatives Removed — All 3 Bureaus

"FCACP disputed every single negative account across all three of my credit reports. Equifax, Experian, TransUnion — all cleaned up. I can finally qualify for what I need."

DM

Diyana Mathis

Alabama

Negatives Removed + Late Payments Forgiven

"They disputed all my negative accounts on Experian and created custom goodwill letters that got my late payments forgiven. Two different strategies, both worked. Highly recommend."

CS

Charles L. Sanders

Alabama

+200 Points in 90 Days

"I used the same methods we offer clients on my own credit. Nearly 200 point increase in 90 days. This system works—I built it because I needed it myself."

RS

Raheem Sanders

Founder & CEO, Knight Financial

Simple Payment Plan

We split the $500 into 4 weekly payments via PayPal invoice every Friday. Final payment only after results.

Week1

Analysis & Setup

Full violation analysis delivered, dispute strategy created

$125
Week2

Letters Built

Custom dispute letters created and delivered to you

$125
Week3

Disputes Active

Letters mailed, monitoring responses from bureaus

$125
Week4

Results Delivered

Only pay after we get deletions on your report

$125Only after deletions

Frequently Asked Questions

Everything you need to know about THE CLEAR STRETCH program.

What exactly is credit repair?

Credit repair is the process of disputing inaccurate, incomplete, or unverifiable information on your credit reports. Under the Fair Credit Reporting Act (FCRA), you have the legal right to challenge any information that doesn't meet federal reporting standards. We analyze your reports for Metro 2 format violations and FCRA errors, then create custom dispute letters to get those items removed.

How is FCACP different from other credit repair companies?

Most credit repair companies use generic template letters. We don't. Our founder has hands-on FCRA litigation experience and built the Knight System—an AI-powered violation detection engine with 400+ rules for identifying Metro 2 reporting errors. Every dispute letter is custom-built based on the specific violations found on YOUR report.

Why do I need SmartCredit monitoring?

SmartCredit gives us access to your full 3-bureau reports with the detailed data we need to find violations. It also lets us track changes in real-time so we can see exactly when items get removed or updated. The ~$25/month is separate from our service fee, but it's essential for the process to work.

What's included in the $500?

Full 3-bureau analysis using our Knight System, custom dispute letters for ALL negative items found, unlimited dispute rounds for 6 months, weekly progress updates, 90-day re-analysis, and direct access to our team. No hidden fees—the $500 covers everything except your SmartCredit subscription.

What if nothing gets removed?

Our performance guarantee means you only pay the final $125 after we get deletions. If we don't get results, you don't pay that last installment. We're confident in our process because we've seen it work—see the testimonials above.

How long does credit repair take?

Every situation is different. By law, credit bureaus have 30-45 days to investigate disputes. Some clients see results in the first round (30 days), others need multiple rounds. Our 6-month coverage ensures we have time to work through stubborn items. Many clients see significant improvement within 60-90 days.

Is credit repair legal?

Absolutely. The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate information. Credit repair organizations are regulated under the Credit Repair Organizations Act (CROA), which we fully comply with. We never ask you to misrepresent information—we dispute items based on legitimate reporting errors and violations.

Ready to Clear Your Credit?

Start THE CLEAR STRETCH today. Get signed up with SmartCredit and we'll begin your analysis within 24-48 hours.

Get Started Now Text Me for Updates

For immediate updates, text or call:

(334) 938-9171

Ready to fix your credit?

Text CREDIT to (334) 938-9171