Serenity Precision Pay™ – Late Payment Resolution Program

Serenity Precision Pay™ | Late Payment Resolution Program

Targeted Credit Consulting for Late Payment Reporting

Serenity Precision Pay™ is a specialized three-month credit consulting program designed exclusively for individuals whose primary credit concern is late payment reporting.

This focused consulting experience combines personalized credit analysis, strategic dispute preparation, and ongoing professional guidance to address late payment entries that may be inaccurate, outdated, incomplete, or unverifiable under applicable consumer protection laws.

Unlike comprehensive credit consulting programs, Serenity Precision Pay™ is dedicated solely to late payment reporting. Throughout your three-month enrollment, your Credit Consultant will develop and implement a personalized strategy designed to address your reported late payments while providing education and recommendations to help strengthen your payment history moving forward.

Because every credit profile is unique, results and timelines will vary based on your individual circumstances, the responsiveness of credit bureaus and data furnishers, and your participation throughout the program.

What's Included

Comprehensive Credit File Review

Your Credit Consultant will perform a detailed review of your three-bureau credit reports with a primary focus on your payment history and reported late payments.

This review establishes the foundation for your personalized late payment resolution strategy.

Personalized Late Payment Resolution Strategy

Receive a customized strategy designed specifically to address late payment reporting while identifying opportunities to improve your overall credit profile and future payment history.

Three-Month Consulting Program

Your enrollment includes three months of professional credit consulting services focused exclusively on late payment reporting.

During the program, Serenity Consulting Group will prepare and manage up to three structured dispute service cycles, as appropriate, based on bureau response timelines and your individualized strategy.

Each dispute cycle is focused solely on late payment reporting that may be inaccurate, outdated, incomplete, or unverifiable under applicable consumer protection laws.

Following each bureau response, your Credit Consultant will review updated reporting and make strategic adjustments when appropriate.

Ongoing Consulting & Progress Reviews

Throughout your enrollment, your Credit Consultant will continue to evaluate your progress and provide recommendations based on updated reporting and bureau responses.

Concierge Client Experience

Every client enrolled in Serenity Precision Pay™ receives:

• Secure client onboarding and account setup
• Comprehensive credit file review
• Personalized late payment resolution strategy
• Up to three structured dispute service cycles
• Progress reviews throughout the program
• Ongoing consulting and education
• Secure client portal access for updates and documentation

Program Investment

Total Program Investment: $399.00

Payment Options

Your three-month program investment is divided into the following payments:

• One-Time Enrollment Fee: $199.00
• Two Monthly Payments: $100.00 each

Your Enrollment Fee Includes

Your initial payment covers the foundational services required to begin your program, including:

• Client onboarding and secure account setup
• Comprehensive credit file review
• Credit audit focused on late payment reporting
• Development of your personalized dispute strategy
• Preparation of your initial dispute documentation
• Secure client portal access

Monthly Program Services

Each monthly payment covers the continued delivery of professional consulting services, including:

• Ongoing strategy adjustments
• Preparation and management of dispute service cycles, as appropriate
• Review of bureau responses and updated reporting
• Progress evaluations
• Personalized recommendations
• Continued client support throughout your enrollment

Monthly payments are billed every 30 days while services are being performed throughout your three-month program.

Serenity Consulting Group operates in compliance with the Telemarketing Sales Rule (16 CFR Part 310) and does not collect fees for credit consulting services until such services have been performed in accordance with applicable law.

Required Credit Monitoring

Active third-party credit monitoring is required throughout your enrollment.

Approved Providers

• MyFreeScoreNow
• IDIQ

Estimated Cost: Approximately $39.90 per month

This fee is paid directly to your selected credit monitoring provider and is separate from Serenity Consulting Group's consulting fees.

Maintaining active credit monitoring allows your Credit Consultant to review updated credit reports, monitor progress, and provide accurate recommendations throughout the program. Failure to maintain active credit monitoring may delay or prevent services from being performed.

Who This Program Is Best For

Serenity Precision Pay™ is ideal for individuals who:

• Have late payment reporting as their primary credit concern.
• Need a targeted strategy rather than comprehensive credit consulting.
• Have otherwise stable credit profiles with limited reporting issues.
• Want professional guidance through a structured three-month consulting program.

Important Disclosures

Serenity Consulting Group does not guarantee the removal of any specific late payment, account, or other credit reporting item.

No specific credit score increase or timeframe for results is guaranteed or implied.

Final reporting decisions are made solely by the nationwide consumer reporting agencies and the companies furnishing information to those agencies.

During the investigation process, creditors may independently choose to update, modify, verify, or close an account. These decisions are made solely by the creditor or data furnisher and are not directed or controlled by Serenity Consulting Group.

Clients retain the legal right to dispute information appearing on their consumer reports independently at no cost.

Serenity Consulting Group provides consulting, education, administrative support, and document preparation services in compliance with the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Telemarketing Sales Rule (TSR), and other applicable consumer protection laws.

Under the Fair Credit Reporting Act (FCRA), consumer reporting agencies may correct, update, or remove information determined to be inaccurate, incomplete, outdated, or unverifiable.

Each enrolled client receives secure client portal access for communication, documentation, and program updates.

Refund Policy

Professional consulting services begin immediately upon enrollment through client onboarding, account setup, credit file review, strategic planning, and preparation of dispute documentation.

Because these services begin promptly after enrollment, fees for services already performed are non-refundable to the extent permitted by applicable law.

Once consulting services or dispute preparation have commenced, refunds, returns, or exchanges are not available.