QUESTIONS, ANSWERED.

If you're just exploring credit repair, funding, and entrepreneurial mindset content — start with Unlocked Minds at $47/month. If you're ready to actually run a credit repair operation and want the Command Center + Dispute Manager + curriculum, the Basic Apprenticeship at $297/month is the right entry. If you want direct access to Key plus full software without caps, Pro at $497/month is the move. The Done-For-You build is for people who want me to build out their AI infrastructure end-to-end.

Yes — at any time. Your billing prorates automatically and your access expands the moment the upgrade clears. You can also downgrade if a tier turns out to be more than you need.

No. The curriculum is built for people starting from zero AND people who already run an agency and want better tools. The Dispute Manager handles the operational work; the curriculum covers the strategy.

Most members see meaningful score improvements within 60–90 days of consistent dispute rounds. Aggressive cleanups can run 4–6 months. We follow strict FCRA-compliant processes — no score promises, no quick-fix gimmicks, no auto-filing regulatory complaints. The results come from doing it correctly.

Pro Apprenticeship members work toward $250K+ in personal and business funding through profile building, lender matching, and strategic application timing. Your actual access depends on your starting credit, income, and how disciplined you are with the playbook.

Both. Personal credit is the foundation; business credit is the multiplier. The curriculum and tools cover the full stack — repair, build, and leverage on both sides.

Basic ($297/mo) caps the Dispute Manager at 10 clients and the Bag Manager at 1 profile. Pro ($497/mo) removes all caps, adds direct help building your own AI assistant, and includes 6 free 1-on-1 sessions with Key when his availability is open. Pro is the move if you're running an actual agency or want hands-on guidance.

Pro members get 6 free 1-on-1 strategy sessions with Key, available when he's actively taking sessions. Key opens and closes session availability based on his schedule — when it's open, members book through the portal. Closed periods don't pause your other access.

The DFY tier is $5,000 one-time + a Mac mini shipped to you, then $297/mo (first 2 months free). The process: discovery call to understand your business, your custom AI system built around your workflows, Mac mini configured and shipped, white-glove onboarding. Ongoing $297/mo covers updates, maintenance, and full Pro apprenticeship access.

Yes. The Mac mini is yours. If you cancel ongoing monthly support, your AI system keeps running on your hardware — you just lose access to updates and group support.

Yes. Monthly tiers cancel from inside your member portal with no questions asked. You keep access through the end of your current billing period.

Basic and Pro Apprenticeship monthly tiers carry a 7-day money-back guarantee — try it for a week, and if it's not what you expected, full refund, no friction. After the first 7 days, monthly subscriptions are not refundable for the current period but you can cancel anytime to prevent future charges. The DFY one-time fee is refundable within 7 days of purchase IF the Mac mini hasn't shipped. Once it ships, it's yours.

No setup fees on any monthly tier. The DFY tier is the only one with an upfront cost ($5,000), which covers the Mac mini hardware + your custom AI system.

The Command Center is your central operations dashboard — manages clients, tasks, communications, content, and connects to every other tool in the No Excuses stack. Available on every paid tier.

The Dispute Manager runs your credit repair operations end-to-end — dispute letters prepared for you, client tracking, and follow-up, all in one place. Basic tier caps at 10 active clients; Pro removes the cap so you can run a real agency.