Four plans, one price list
No setup fee on any plan. 90-day no-removal refund. Cancel within 3 business days of signing at no charge, and any time after month to month.
Audit
$29 / mo
- Tri-merge credit audit
- Every negative item flagged with the statute it violates
- 1 dispute round per month, up to 3 items
Most popular
Repair
$69 / mo
- Everything in Audit
- Bureau disputes and §1681s-2 creditor letters
- Cross-bureau §1681e(b) attacks
- Up to 10 items per round
VIP
$119 / mo
- Everything in Repair
- §1692g debt validation
- Method-of-verification demands
- §605B identity-theft blocks
- 25 items per round
- 4 certified-mail credits
Concierge
$179 / mo
- Everything in VIP
- Human expert review of every round
- Unlimited items
- Monthly strategy call
Couples add-on $59/mo, available on Concierge. Graduates of our Debt Relief programme get 3 months free, then $69/mo.
You’ll finish signing up on ScoreGuard
Credit Health runs entirely on ScoreGuard, our credit platform — there is no separate McKenzie Adams checkout for it. When you pick a plan above you’ll be taken to scoreguard.ai to create your account; pricing there matches this page exactly. If ScoreGuard is unreachable, call us at (888) 810-2897 and we’ll set you up by phone.
How a dispute round works
1 · Audit
We pull your tri-merge report and flag every negative item with the statute it may violate — inaccurate reporting, unvalidated collections, re-aged accounts.
2 · Dispute
Each round sends targeted disputes: bureau disputes, §1681s-2 letters to the original creditor, §1692g validation demands to collectors — whatever the item calls for.
3 · Verify & repeat
Responses come back in 30–45 days. Items that verify get escalated with method-of-verification demands; removals stay removed. Rounds continue monthly.
Credit Health is a credit repair service under the Credit Repair Organizations Act. You’ll receive the written Consumer Credit File Rights statement and any state cancellation notices before you sign, and no fee is collected before services are performed6. Read your CROA rights.
The reviews are in
Meet the people getting their finances back on their terms
Rated 5.0 across 32 reviews on Google. Read all 32 reviews
★★★★★
“This organization to me is an exemplary group of hardworking people with nothing but success in their minds to help their clients for a rewarding outcome. It simply just better the lives of their clients of which I am a beneficiary.”
Ademola S.
GOOGLE REVIEW
via Google
★★★★★
“This has been by far the best financial team service I have ever received, the team work and eagerness to make sure their customer gets the best is what I really Love about Mckenzie Adam!”
Adanna O.
GOOGLE REVIEW
via Google
★★★★★
“My experience was very good customer service and professionalism. They kept me involved for every step of my process so that was very comforting.”
Kien H.
GOOGLE LOCAL GUIDE
via Google
★★★★★
“McKenzie Adams showed all type of professionalism and they delivered as promised. This team went out of their way to ensure everything went through for me.”
Hussain B.
GOOGLE REVIEW
via Google
Frequently asked questions
What is Credit Health?
Credit Health is McKenzie Adams's credit repair service, delivered entirely on ScoreGuard, our credit platform. Every negative item on your tri-merge report is flagged with the specific statute it may violate, and disputes are generated round by round — from bureau disputes to creditor letters, debt validation and identity-theft blocks, depending on your plan.
Can you guarantee my credit score will go up?
No, and no honest credit repair service can. What we guarantee instead: if nothing is removed in your first 90 days, you get your money back, and you can cancel within 3 business days of signing without charge.
Why does signup happen on ScoreGuard instead of this site?
Because that is where the service actually runs. ScoreGuard is our credit platform; your disputes, documents and progress all live there, so your account is created there. Your plan pricing is identical to what is published on this page.
What does §1681e(b) or §1692g actually mean?
They are the statutes your disputes cite. §1681e(b) of the Fair Credit Reporting Act requires bureaus to follow reasonable procedures for maximum possible accuracy; §1692g of the Fair Debt Collection Practices Act gives you the right to demand a collector validate a debt. Disputes that cite the controlling statute are harder to brush off with a form letter.
Related: all pricing · Debt Relief · Mortgage Preparation · ScoreGuard for operators