Services
Three plans, one careful practice. Read each chapter and decide where your household begins.
Monitoring Essentials
The foundation tier. For households who want disciplined eyes on the three bureaus and a written monthly report. No dispute correspondence at this level. Just the practice of watching, reading, and reporting.
- Three-bureau credit watch, monitored weekly
- Monthly written score report, delivered in plain language
- Identity alerts on file changes
- Member portal access via Scorexer
- Annual review consultation with Diana
Monitoring Plus
Everything in Essentials, with closer surveillance and a quarterly written profile review delivered as a signed memorandum. The right cadence for households moving toward a major financial decision.
- Everything in Monitoring Essentials
- Dark-web identity scans with quarterly summary
- Quarterly signed profile review memorandum
- Priority email response from Diana
- Identity restoration guidance if compromise occurs
- Goal-setting session twice per year
Monitoring & Dispute Review
The full practice. Monitoring Plus, plus the monthly dispute correspondence work. We read your file. We identify what the record cannot support. We write the bureau a specific letter citing the specific provision. We document what changed. We do it again next month.
- Everything in Monitoring Plus
- Monthly dispute correspondence on eligible items
- Bureau response tracking and second round letters
- Signed monthly chapter report from Diana
- Priority phone access for time-sensitive questions
- Method-of-verification follow up when warranted
- 90 day movement guarantee, refunded in full if no measurable movement
Black Diamond on Skool
A members-only reading room. Monthly office hours with Diana, a growing library of credit literacy lessons, and a working group of households learning the practice together.
Join the CommunityFour Steps, Repeated Monthly
A practice, not a tactic. Each month the same four steps, applied with care to whatever your file is showing.
We pull the three-bureau report and read it page by page, marking items that the record cannot support.
We draft specific letters to the specific bureau holding each entry, citing the provision they are obligated to follow.
Letters go out certified. We track the 30 day response window and log every reply against the file.
You receive a signed monthly chapter report describing what changed, what did not, and what we are doing next.
Ninety Days. Measurable Movement. Or a Full Refund.
On the Monitoring & Dispute Review tier, if your credit file shows no measurable movement on items eligible for correction after ninety days of disciplined practice, we will refund the full ninety days. No fine print, no escape clauses. One household, one promise.
Three Plans. One Careful Practice.
Begin with the free snapshot, then choose a cadence that fits your household. We will read your file before we recommend anything.