Frequently asked questions.

For credit-related services, only after the work is delivered. For Credit Repair Service, the $200 first-work fee is billed after your audit is complete and your first disputes are sent, and $145 is billed at the end of each month for work completed that month. Other services are billed as stated on the pricing page.

Because the federal Credit Repair Organizations Act says credit repair companies cannot charge until the promised services are fully performed. Florida law adds its own rules. Any company that asks for an "enrollment," "setup" or "retainer" fee before doing the work is a red flag. See our credit repair laws and scam help page.

With the $150 DIY kit, we build a personalized action plan and dispute letters for up to 3 months from your actual report, and you mail and track them. With Credit Repair Service ($200 first-work fee + $145/month), RoseFAS does the disputes and tracking for you, and credit monitoring is included.

Send us all three of your credit reports: TransUnion, Experian and Equifax. You can get them free at annualcreditreport.com. We look for signs of possible Fair Credit Reporting Act violations, such as errors that were not fixed after a dispute.

No. Only a licensed attorney can give legal advice, file a lawsuit for you or represent you in court. If your facts look strong, we refer you to an independent consumer attorney. Under the FCRA, FDCPA and TCPA, the company often has to pay your attorney fees if you win, so many consumer attorneys take strong cases at no upfront cost. Our $1,000 Case Preparation Packet organizes your evidence and helps you understand the process if you choose to represent yourself. RoseFAS receives no referral fees.

No. Federal loan rehabilitation is free through your loan holder or the U.S. Department of Education. Our Student Loan Rehabilitation Guidance ($79) is optional: we help you understand the rules, decide what payment is affordable and prepare your questions. Be cautious of any company that charges upfront to "fix" student loans.

If you complete the program requirements and do not graduate, or your diploma is not accepted by a school you apply to for further education, you can request a refund under the written guarantee terms you receive before enrolling. The program starts at $500 and the price depends on credits you have already earned.

A business plan, business credit start-up, Florida LLC registration, EIN setup and DUNS number setup. The Florida state filing fee is not included and is paid to the state. EINs and DUNS numbers are free from the IRS and Dun & Bradstreet; our fee covers preparation and guidance.

For $300: application preparation, a move-in budget and guarantor support, including help comparing guarantor options the property accepts. The Apartment & Rental Readiness Kit is free when you join our email list.

The first 15 minutes are free. Please complete the intake form before your call so we can stay on the topic at hand. Longer sessions are $20 for 30 minutes and $10 for each additional 15 minutes, billed after the session.

Enter your email on the free resources page. You will get instant access to the downloads, and a copy of the link by email. You can unsubscribe at any time.

Some links on our credit options page are affiliate links, and RoseFAS may earn a commission if you open an account. We disclose this on the page, it never changes your price, and we do not charge you for suggestions.

No. We never guarantee a score, deletion, approval, settlement or legal result. Decisions are made by credit bureaus, creditors, lenders, landlords, schools and courts.