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Budget Bae is a credit and financial education brand offering structured support services to help you understand your consumer reports and make informed money moves — through one-time services, not ongoing programs.

If this is your first time working with us, the Essential Credit Review is the most common starting point — it covers a single-bureau report review. If you know you need more than one bureau reviewed, Dual or Complete Profile Alignment may be a better fit. You can also use the guided selector on the Services page, or reach out through Contact if you'd rather talk it through first.

A TransUnion consumer report review, review of up to 5 reporting entries, one correspondence round, a 30-day processing window, and a completion email notification once the review cycle is finished.

Budget Bae Inquiry Clear-Up is an optional add-on that reviews up to 10 inquiries on your report, with an eligibility assessment and preparation of inquiry-related correspondence when applicable.

ChexSystems Reset includes a ChexSystems consumer report review, correspondence support when applicable, and bank re-entry guidelines to help you understand your standing with banking-related reporting.

Dual Profile Alignment includes two structured review cycles and review of up to 10 reporting entries over a 45-day window. Complete Profile Alignment is our most thorough option — three review cycles, review of up to 15 reporting entries, specialized handling for certain categories when applicable, and a personalized next-steps roadmap at completion. Both require active third-party monitoring during the service window.

You'll complete a secure intake form, your credit information will be reviewed, a personalized strategy will be created, and you'll receive clear next steps and guidance — with progress visible through your secure client portal throughout.

Processing windows range from 30 to 45 days depending on the service level, though timelines can vary based on your individual file and third-party reporting practices. We don't promise a specific date, but you'll always know where things stand.

No. Budget Bae does not guarantee specific outcomes, score changes, approvals, removals, or timelines. Services and materials are administrative and educational in nature, and results vary based on your individual credit profile and creditor reporting practices. Anyone who guarantees specific results isn't being honest with you — we'd rather tell you the truth upfront.

Refund eligibility depends on the service and how far along it is in processing. Reach out through Contact and we'll walk you through your specific situation directly.