Affluent Culture
Credit Repair Services
Professional Credit Report Review & FCRA Dispute Assistance
Expert guidance through the credit dispute process with transparent pricing and guaranteed compliance
Professional credit repair services with transparent pricing. No payment required until services are completed.
IMPORTANT CONSUMER RIGHTS NOTICE
You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit reporting agency directly.
You may cancel your contract with this credit repair organization for any reason within 3 business days from the date you signed it.
Credit repair organizations cannot require you to pay until they have completed the services they have promised.
FCRA Compliant
CROA Certified
3-Day Cancellation Rights
Affluent Culture's 4-Step Compliant Process
Our FCRA-compliant credit repair process ensures transparency, legal compliance, and consumer protection at every step
Step 1
Credit Report Acquisition
Obtain Your Credit Report for Analysis
Pull your credit report ($1 cost to you) to begin our professional review process
($39.90 after a $1 seven-day trial)
What's Included
This report provides essential information about your credit history
We'll analyze for potential inaccuracies under FCRA guidelines
You have the right to obtain this report directly from credit bureaus yourself
Compliance Note:
Educational disclaimer included with all credit report requests
Step 2
Professional Credit Analysis Request
Request Professional FCRA Analysis
Submit your credit monitoring credentials for our FCRA-trained specialists to review
What's Included
Our analysis identifies potential inaccuracies that may be disputed
Helps you understand your rights under the Fair Credit Reporting Act
No commitment required during analysis phase
Compliance Note:
This analysis helps you understand your FCRA rights
Step 3
Credit Review and Audit
Comprehensive Credit Report Evaluation
Our team conducts a thorough review of your credit report for potential FCRA violations within 24 hours
What's Included
Findings based on FCRA accuracy standards
Detailed audit identifying potential inaccuracies
Educational recommendation about dispute options
Compliance Note:
No payment required until services are completed
Step 4
Service Enrollment
Professional FCRA Dispute Assistance Enrollment
Choose our professional dispute assistance service with transparent pricing
What's Included
We'll guide you through the FCRA dispute process on your behalf
No payment required until we complete promised services
Choose between Pay Per Deletion or Inquiry Removal services
Compliance Note:
Educational disclaimer included with all credit report requests
Real Client Reviews for Our Credit Repair Assistance
Transparent, education-first service. No guaranteed outcomes—just professional FCRA guidance and support.
"Supportive, transparent guidance"
"When it comes to discussing finances and credit, it is very personal and somewhat daunting. Briana and her team helped ease me into things by sharing the steps we would take and being open and relatable. Their focus on celebrating our successes helped me develop a healthier mindset and improved habits."
Cassandra Davis Speed
"Credit increased significantly"
"Working with Briana has been great. My credit has increased significantly. She’s very knowledgeable and easy to work with. I would highly recommend her services!!!"
Martina Sweeney
"Meaningful progress and support"
"I love the progress and support I am receiving. I am so glad that I utilized these services, and I can’t wait to share my testimony. Thank you Brianna for walking by Faith with me. God Bless you!"
Natasha Bennett
"Life-changing credit turnaround"
"Best thing I have ever done in my life was trust in Affluent Culture! My mentor recvomeneded Briana from Affluent Culture to help me. I started working with Briana and then my life fell apart, and that was in October 2024. Briana changed my whole situation around. January 2025 my credit has done a 180, I couldn’t believe it when I got the phone call. I’m truely thankful for her and what she does with my horrible situation."
Desir Holistic
"Reached all my credit goals"
"It was a pleasure working with Briana. She helped me to reach all my credit goals. Highly recommended!"
Malcolm McCall
"Immediate results on first round"
"I Love Affluent Culture Inc because my credit is going up I even got 10,000 taking off my credit on the first round so amazing thank you so much"
Nasha Reed- Dyson
"Credit score up 100 points"
"Overall a great experience. My credit score is up 100 points since joining. Very professional and very knowledgeable."
Tristan Miller
"Delivered exactly as promised"
"I loved my experience. She did exactly what she said she would do."
Jeremy Williams
"100+ points in 3 months"
"I love the way Affluent Culture attacked my credit score that went up over 100 points within 3 months. My questions were answered no matter time of the day and always reassured me of our plan to make my credit better. And they have done just that! I would recommend Affluent Culture to anyone needing help with their credit"
Ronda Butler
Compliant Service Packages
Transparent pricing with FCRA compliance. Payment only required after successful service completion.
Pay Per Deletion Service
CROA-Compliant Performance-Based Pricing
$349.99
Initial Service Fee
$75 per successful deletion per bureau
Professional dispute assistance with payment only after successful completion
Included Services:
Professional credit analysis and education
Ongoing credit monitoring and alerts
Professional correspondence and postage
30-day progress review and strategy adjustment
Access to legal consultation for complex cases
Custom dispute letter preparation (Metro 2 compliant)
Credit building strategy development
Direct access to dispute specialists
Important Compliance Notes:
No charges for disputes of demographic information
No charges for soft inquiry disputes
Payment only required after successful completion
3-day cancellation period applies to all agreements
Pay Per Deletion Service
CROA-Compliant Performance-Based Pricing
$349.99
Initial Service Fee
$75 per successful deletion per bureau
Professional dispute assistance with payment only after successful completion
Included Services:
Professional credit analysis and education
Ongoing credit monitoring and alerts
Professional correspondence and postage
30-day progress review and strategy adjustment
Access to legal consultation for complex cases
Custom dispute letter preparation (Metro 2 compliant)
Credit building strategy development
Direct access to dispute specialists
Important Compliance Notes:
No charges for disputes of demographic information
No charges for soft inquiry disputes
Payment only required after successful completion
3-day cancellation period applies to all agreements
Inquiry Removal Service
Hard Inquiry Dispute Assistance
$75
Initial Service Fee
$100 for dispute assistance on up to 50 inquiries
Specialized service for hard inquiry removal with educational guidance
Included Services:
Professional credit analysis and education
Ongoing credit monitoring and alerts
Professional correspondence and postage
30-day progress review and strategy adjustment
Access to legal consultation for complex cases
Custom dispute letter preparation (Metro 2 compliant)
Credit building strategy development
Direct access to dispute specialists
Important Compliance Notes:
Comprehensive inquiry analysis
Educational guidance on inquiry types
Professional dispute preparation
Up to 50 inquiry dispute assistance
Progress tracking and monitoring
Educational resources on inquiry impact
Service Guarantee & Consumer Protection
No Upfront Payment
Payment only after services are completed
3-Day Cancellation
Cancel for any reason within 3 business days
FCRA Compliant
Full regulatory compliance guaranteed
Educational Resources
Empowering consumers with knowledge about their credit rights and the credit repair process
Understanding Your FCRA Rights
Comprehensive guide to your rights under the Fair Credit Reporting Act
Right to access your credit report annually for free
Right to dispute inaccurate information
Right to know who has accessed your credit report
Right to place fraud alerts and security freezes
Free Self-Dispute vs. Professional Assistance
Compare your options for credit repair and dispute assistance
Self-dispute: Free but time-consuming and complex
Professional assistance: Expert guidance with FCRA compliance
Legal knowledge and Metro 2 formatting expertise
Ongoing monitoring and strategy adjustment
Realistic Timeline Expectations
What to expect during the credit repair process
Initial analysis: 24-48 hours
First round disputes: 30-45 days
Complex cases: 60-120 days for resolution
No guaranteed outcomes - results vary by case
Personal Credit Builders
Transparent expectations for our credit repair services
We CAN provide expert FCRA guidance and assistance
We CAN help identify potential inaccuracies
We CANNOT guarantee specific credit score improvements
We CANNOT remove accurate, verifiable information
Ready to Start Your Credit Repair Journey?
Get professional FCRA-compliant assistance with transparent pricing and guaranteed consumer protection.
Affluent Culture
Credit Repair Services
Professional FCRA-compliant credit repair services with transparent pricing and guaranteed consumer protection.
Services
Legal & Compliance
FCRA Compliant
CROA Compliant
Contact & Support
REQUIRED LEGAL DISCLOSURES
CROA Compliance: This credit repair organization is licensed and regulated under the Credit Repair Organizations Act (CROA). You have the right to dispute inaccurate information in your credit report yourself, at no cost, by contacting the credit reporting agency directly.
Cancellation Rights: You may cancel your contract with this credit repair organization for any reason within 3 business days from the date you signed it. Credit repair organizations cannot require you to pay until they have completed the services they have promised.
State Licensing: Affluent Culture Credit Repair Services is registered and Licensed in the state of Minnesota (Other states will be reviewed). License numbers and regulatory information available upon request.
Consumer Complaints: For regulatory complaints or concerns, contact your state attorney general's office or the Consumer Financial Protection Bureau (CFPB).
Copyright 2025. Affluent Culture. All Rights Reserved.
FCRA Compliant • CROA Certified • Licensed Credit Repair Organization