CREDIT COACHING. RUN LIKE A PROGRAM.
Every dispute is a drill. Every score jump is a basket. Coach Credington runs your credit like a season: a scouting report, a playbook, and reps until the number moves.Every dispute is a drill. Every score jump is a basket. Coach Credington runs your credit like a season.
Real numbers. No promises of points. Cancel within 3 business days, no charge.
INSIDE THE LAB · WHAT YOUR DASHBOARD SHOWS
Sample of the Lab's status view. Not a client's results.Sample status view. Not a client's results.
THE PLAYBOOK
PLAY 0101
You pull your three reports. We read every line: accounts, collections, inquiries, the personal info each bureau has on file.Pull your three reports. We read every line.
PLAY 0202
Your Starting Five, graded: payment history, utilization, credit age, mix, inquiries. What is hurting you and what is fixable.Your Starting Five, graded. What is hurting and what is fixable.
PLAY 0303
Dispute rounds to each bureau, in writing, on a 30 to 45 day clock. Free throws first. Full-court press where an item will not move.Dispute rounds to each bureau, in writing, on a 30 to 45 day clock.
PLAY 0404
Every response read, every change logged report over report. You see the tape. Then we call the next play.Every response read, every change logged. Then the next play.
THE STARTING FIVE
The heavyweight. On-time beats everything else on this list.The heavyweight.
Balance over limit. The fastest lever you control yourself.The fastest lever you control.
How long your accounts have been open. Patience stat.Patience stat.
Cards, loans, and lines. A balanced roster reads better.A balanced roster reads better.
Every application is a foul. Stop fouling while we work.Every application is a foul.
TIERS
Practice Squad if you have the time to run your own plays. Varsity if you want the staff running every round for you.
$39.99/ month/ month
The Lab, the letter templates, the Scouting Report, and Coach's guidance. You run the plays.The Lab, the templates, the Scouting Report, Coach's guidance. You run the plays.
COACH'S PICK
$99.99/ month, 18 letters included, then $7.00 per additional letter/ mo, 18 letters included, then $7.00 each
Coach's team runs every round: drafting, mailing, reading responses, and calling the next play.Coach's team runs every round.
Prices shown are launch prices and may change. Nobody can promise a score, a deletion, or a date. You may cancel within 3 business days of signing at no charge.Launch prices, may change. Nobody can promise a score, a deletion, or a date. Cancel within 3 business days at no charge.
HEAD COACH
"Your number isn't final. It's a quarter score. There's always another quarter."
COACHING STAFF
Coach Phil Credington is the voice of Points Lab, an original character we made so credit repair feels like a training program instead of a legal errand. The people reading your file, drafting your letters, and answering your messages are these two.Coach Credington is an original character. The people reading your file and drafting your letters are these two.
TIME-OUT
Yes. You have the right to dispute anything inaccurate on your report directly with each bureau at no cost. What you are paying for is the read, the plan, the drafting, the mailing, the tracking, and a coach who has run the plays before.Yes. You can dispute anything inaccurate directly with each bureau at no cost. You are paying for the read, the plan, the drafting, the mailing, the tracking, and a coach.
Nobody can promise that, and anyone who does is selling you something else. Bureaus decide disputes, not us. What we control is doing the work in writing, on time, every round.Nobody can promise that. Bureaus decide disputes, not us. We control doing the work in writing, on time, every round.
A round is 30 to 45 days because that is how long bureaus get to investigate. Most files run three to six rounds. Yours may take fewer or more.A round is 30 to 45 days. Most files run three to six rounds. Yours may take fewer or more.
Cancel within 3 business days of signing at no charge, and any time after with no penalty.
You fill out a short intake, get your Lab login, upload your three reports and an ID, and sign the agreement. Your Scouting Report comes next. That is Training Camp.Short intake, Lab login, upload three reports and an ID, sign. Then your Scouting Report.
Next play: pull your reports. Takes ten minutes.