Getting started is free.

Credit Monitoring:
$1 for a 7-day trial, then $24.99/month (paid to the monitoring provider).

Credit Repair Service:
Standard pricing is a $149 initial service fee and $99/month for ongoing service. No credit-repair fees are charged upfront. Charges are made only when permitted under your service agreement and applicable law.

Every credit situation is unique, so the time it takes varies from person to person. Most clients remain in our program for several months, but the exact timeline depends on your credit profile, the information being disputed, and how the credit bureaus and creditors respond.

Credit reports are updated regularly, and improving your credit is often a step-by-step process that may require multiple rounds of disputes and follow-up. In most cases, the credit bureaus have 30–45 days to investigate and respond to each dispute.

Like improving your health or getting in shape, building better credit doesn't happen overnight. It takes consistency, patience, and the right strategy. Our goal is to guide you through the process every step of the way while working toward the best possible outcome.

Yes. Our program is provided on a month-to-month basis, so you may cancel at any time. There are no long-term contracts or cancellation fees. Simply contact us before your next billing cycle, and we'll process your cancellation according to your service agreement.

The Fair Credit Reporting Act (FCRA) is a federal law that gives you the right to dispute inaccurate, incomplete, or unverifiable information on your credit reports. We use these consumer protection rights throughout the credit repair process.

Debt Collection companies have laws and rules they must follow as well. Any debt collection company violating these rules could result in having their reporting removed from your credit report. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text

Jeff Hiles Credit is the educational and personal brand of Brighter Future Credit Services, dedicated to helping individuals better understand their credit and take practical steps toward achieving their financial goals.

We believe that credit repair should be transparent, professional, and focused on educating our clients every step of the way. That's why we take the time to explain the process, answer your questions, and develop a strategy tailored to your unique credit situation.

We provide professional credit repair services and personalized credit-building guidance to help you improve and maintain a stronger credit profile.

We review your credit reports, identify inaccurate, incomplete, or unverifiable information, and dispute eligible items with the credit bureaus and, when appropriate, the data furnishers. We also provide guidance to help you build stronger credit habits throughout the process.