Credit Enhancement Services

Stop guessing. Start fixing what is actually on your report.

We do not believe in copied dispute plans. Every NovaTerra client gets a strategy built around their actual credit file, across all three bureaus, so we can focus on what may be holding the score back.

3-Bureau Strategy

A clear view of what is helping, what is hurting, and what steps make sense next.

740Goal

Utilization

74%

History

63%

Disputes

82%

Choose Your Program

Choose the program that fits your timeline.

One path gives ongoing monthly support. The other gives faster priority support for clients with a deadline.

Ongoing & Strategic

Credit Advancement Program

A monthly program for clients who are ready to keep building with ongoing strategic guidance, credit support, and consistent dispute work every cycle.

$99.99 / month

Full 3-bureau credit report review
Support for inaccurate, outdated, or unverifiable items
Ongoing dispute filing and bureau follow-up
Simple updates so you know what is happening

Best For

Clients rebuilding from multiple negative items, or anyone who wants ongoing support instead of a one-time fix.

Get Started

Fast-Track

Expedited Credit Restoration

Priority dispute support, faster review, and direct guidance built for clients working toward a time-sensitive approval goal.

$699 one-time payment

Priority review of your full credit file
Focused dispute strategy based on your report
Built for faster timelines and urgent approval goals
Clear next steps without guaranteed point claims

Best For

Clients with an upcoming financing decision, or anyone who wants the fastest ethical path we can offer.

Get Started

Not sure which one fits?

That is exactly what the free analysis is for. We will look at your file and tell you which program actually matches your situation. No pressure.

Book a Free Analysis

Every Program Includes

What is included, no matter which path you choose.

Review

We look at your credit report across all three bureaus and explain what is showing up.

Plan

You get a clear plan built around your real file, goals, timeline, and next steps.

Support

You know what is happening, why it matters, and what comes next.

Full 3-bureau credit report review

Identification of inaccurate, outdated, or unverifiable items

Ongoing dispute filing and bureau follow-up

Direct communication with simple updates

Credit education along the way

A strategy based on your file, not copied advice

Common Questions

FAQ

How long does credit enhancement take?

Every file is different. Some clients may see initial changes within 30 to 60 days. Others take longer depending on the number and type of items being disputed.

Is credit enhancement legal?

Yes. You have the legal right to dispute inaccurate, incomplete, or unverifiable information on your credit report. We help you do it with a clear strategy.

What is the difference between the two programs?

The Credit Advancement Program is for ongoing monthly support. Expedited Credit Restoration is for faster priority support when you have a time-sensitive goal.

Do you guarantee results?

No legitimate credit company can promise exact point increases or removals. We promise a real strategy, steady effort, and clear updates.

Ready to find out what is really on your report?

Start with a free credit analysis so you can understand what may be hurting your file and which path makes the most sense.

Book a Free Credit Analysis

Credit Enhancement Services

Stop guessing. Start fixing what is actually on your report.

3-Bureau Strategy

A clear view of what is helping, what is hurting, and what steps make sense next.

740Goal

Utilization

74%

History

63%

Disputes

82%

Choose Your Program

Choose the program that fits your timeline.

One path gives ongoing monthly support. The other gives faster priority support for clients with a deadline.

Ongoing & Strategic

Credit Advancement Program

A monthly program for clients who are ready to keep building with ongoing strategic guidance, credit support, and consistent dispute work every cycle.

$99.99 / month

Full 3-bureau credit report review
Support for inaccurate, outdated, or unverifiable items
Ongoing dispute filing and bureau follow-up
Simple updates so you know what is happening

Best For

Clients rebuilding from multiple negative items, or anyone who wants ongoing support instead of a one-time fix.

Get Started

Fast-Track

Expedited Credit Restoration

Priority dispute support, faster review, and direct guidance built for clients working toward a time-sensitive approval goal.

$699 one-time payment

Priority review of your full credit file
Focused dispute strategy based on your report
Built for faster timelines and urgent approval goals
Clear next steps without guaranteed point claims

Best For

Clients with an upcoming financing decision, or anyone who wants the fastest ethical path we can offer.

Get Started

Not sure which one fits?

That is exactly what the free analysis is for. We will look at your file and tell you which program actually matches your situation. No pressure.

Book a Free Analysis

Every Program Includes

What is included, no matter which path you choose.

Review

We look at your credit report across all three bureaus and explain what is showing up.

Plan

You get a clear plan built around your real file, goals, timeline, and next steps.

Support

You know what is happening, why it matters, and what comes next.

Full 3-bureau credit report review

Identification of inaccurate, outdated, or unverifiable items

Ongoing dispute filing and bureau follow-up

Direct communication with simple updates

Credit education along the way

A strategy based on your file, not copied advice

Common Questions

FAQ

How long does credit enhancement take?

Every file is different. Some clients may see initial changes within 30 to 60 days. Others take longer depending on the number and type of items being disputed.

Is credit enhancement legal?

Yes. You have the legal right to dispute inaccurate, incomplete, or unverifiable information on your credit report. We help you do it with a clear strategy.

What is the difference between the two programs?

The Credit Advancement Program is for ongoing monthly support. Expedited Credit Restoration is for faster priority support when you have a time-sensitive goal.

Do you guarantee results?

No legitimate credit company can promise exact point increases or removals. We promise a real strategy, steady effort, and clear updates.

Ready to find out what is really on your report?

Start with a free credit analysis so you can understand what may be hurting your file and which path makes the most sense.

Book a Free Credit Analysis