THE HONEST COMPARISON

Not a credit repair service. A roadmap.

Credit repair companies charge $99/month to send letters you could write yourself. Jubilee shows you which ones, why, and exactly how. One price. No surprises.

❌ Lexington Law ⚠️ Social Media Gurus ✓ DIY (Most Quit) ✓ Jubilee

❌ Expensive. Slow. Generic.

They charge $99/month for a letter a computer generates in 3 seconds.

Lexington Law and CreditRepair.com generate the same form letter for every client and mail it to all three bureaus. Then charge you again next month. The FCRA process works, but you're paying $1,188+ to find out.

Same generic letter sent to every bureau, for every client

Charging after cancellation is a documented pattern

$1,188 minimum for a 12-month engagement

No personalized negotiation. No call scripts. No payoff plan.

⚠️ Dangerous. Some of it is illegal.

TikTok taught you about CPNs. That's a federal crime.

Using a CPN to apply for credit is federal fraud. People have gone to prison for it. The rest of what's being sold (PDF guides, secret dispute templates) is recycled FTC information with a logo on it. We are not that.

CPN schemes are federal fraud, not a loophole

Most credit secrets are FTC templates with a logo on them

No course, PDF, or DM will do what a personalized dispute letter does

If someone is asking you to pay via Venmo for credit repair, walk away

✓ Respected. But most people quit.

You can absolutely do this yourself. Most people don't finish.

The FCRA gives you the same rights regardless of who sends the letter. Most people quit because they don't know which dispute reason to cite, send disputes online instead of certified mail, and give up after one form-letter response.

✓ Assisted DIY. One honest price.

Your rights. Our system. Your results.

Jubilee reads your actual report and builds a personalized plan, not a template. Every dispute is written to the specific account, the specific bureau, and the specific FCRA issue. You send the letters. The bureaus respond to you, not a middleman.

Let the math speak.

	Lexington Law	Social Media Gurus	DIY	Jubilee
Cost	$99–$139/mo	$97–$997 one-time	Free	Free
12-month total	$1,188–$1,668	$97–$997 + wasted time	Free	Free
Legal	✓	⚠️ Sometimes not	✓	✓
Personalized to your report	❌	❌	✓	✓
Negotiation scripts	❌	❌	❌	✓
Call scripts	❌	❌	❌	✓
You stay in control	❌	Sort of	✓	✓
Risk of fraud charges	❌	⚠️ CPN schemes	❌	❌

SUBSCRIPTION FATIGUE

Everyone changes terms on you. Our core is free, no strings.

The education, your report analysis, dispute letters, scripts, and full plan are free. You only pay if you want us to handle the logistics — like mailing your letters certified. No terms that change on you.

NO AFFILIATION

Jubilee has no affiliation with any credit bureau, creditor, or financial institution. We receive no referral fees or advertising revenue for any recommendation we make. We take no referral fees or ad money, and the only thing we root for is your score going up.

Free to start. No contract. No tricks.

Upload your free credit report and see exactly what's fixable. Your letters, scripts, and full plan are free — you only pay if you want us to mail them for you, certified.

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