Your credit is holding the door shut. It's time to shift it open.
Capital Shift Financial pairs a focused round of credit repair with real‑time monitoring, so you can see exactly what's changing and why — every step of the way.
Start My Credit Shift — $99Every month you wait is a month it keeps costing you.
Higher interest rates on cars, credit cards, and homes — paid quietly, every single month.
Approvals that should be simple — an apartment, a business line, a lower insurance rate — turn into obstacles.
Opportunities that require a clear credit picture keep getting pushed to "someday."
Everything in your first shift.
A focused, transparent starting point — built to move your credit profile forward and give you visibility the entire time.
One Full Round of Credit Repair
A thorough review of your credit file followed by challenges to inaccurate, outdated, or unverifiable items across your reports.
Required Credit Monitoring
Ongoing monitoring so you and our team can track changes in real time and respond quickly as your file updates.
Personalized Credit Action Plan
A clear breakdown of what's on your reports today and the specific factors we'll be working through together.
Direct Access to Your Progress
Stay informed with clear updates so you're never left wondering what's happening with your file.
Three steps to your first shift.
Enroll & Verify
Complete your secure checkout and verify your identity so we can pull and review your credit file.
We Get to Work
Our team runs your first round of credit repair, challenging inaccurate or unverifiable items on your behalf.
Monitor & Move Forward
Your credit monitoring stays active so you can watch changes happen and plan your next shift with clarity.
One clear price. No surprises.
- Full credit report review
- First round of dispute & challenge letters
- Real-time credit monitoring access
- Personalized credit action plan
$99 introductory price covers one round of credit repair. Credit monitoring is required to remain enrolled and is billed at $29.95/month starting at signup. Afterpay eligibility is determined by Afterpay at checkout. Results vary by individual credit history; Capital Shift Financial does not guarantee removal of any specific item or a specific score increase.
Questions, answered.
Your $99 covers your first full round of credit repair — a complete review of your credit file and the first set of challenges sent on your behalf. Credit monitoring is required alongside this so we can track and verify updates as they happen.
Monitoring lets our team see exactly when your reports update, so we can respond quickly and keep your file moving. It's $29.95/month and starts when you enroll.
Yes — Afterpay is available at checkout for qualifying customers, letting you split your introductory payment into four installments.
As soon as you complete checkout, you'll get access to your account and next steps so we can begin reviewing your credit file right away.
No. Every credit file is different, and outcomes depend on what's reporting and how bureaus and furnishers respond. We focus on a thorough, correct process rather than promising specific results.