Fred Livai Financial

Credit Advocacy Built on Accuracy & Compliance

At Fred Livai Financial, we believe you deserve clarity, confidence, and results. Our transparent, upfront pricing eliminates surprises while delivering expert guidance in wealth management, credit repair, and budgeting. No hidden fees — just powerful, data-driven strategies to help you achieve financial freedom.

Empowered Financial Coaching & Credit Advocacy

Our comprehensive programs combine financial coaching and credit advocacy to help you gain control of your money and build a stronger future.

Pick the plan that fits your budget and start your journey toward financial peace of mind today.

Includes access to your own personal client portal for easy updates and management.

Affordable monthly service fees to keep you on track.

Two Essential Financial Services in One Program

  1. Financial Coaching

  • Gain Clarity with Your Spending


    Understand where your money goes so you can make confident, informed decisions.

  • Create a Budget That Fits Your Life


    We’ll design a plan that works with your lifestyle—not against it.

  • Plan Ahead with Purpose


    Build a financial roadmap aligned with your goals and long-term vision.

  • Master the Mindset of Money


    Recognize the emotional side of finances and reduce money-related stress.

  • Prepare for the Unexpected


    Establish an emergency fund to protect yourself and your family.

  • Tackle Debt Strategically


    Develop a clear path to manage and reduce debt, lifting financial burdens off your shoulders.

  1. Consumer Advocacy with a Legal Focus

    • Leverage Your Rights


      We use federal and state consumer protection laws to challenge inaccuracies, incomplete reporting, or violations found in your financial records.

    • Escalation When Necessary


      If direct disputes are not resolved, we can pursue arbitration or litigation-based strategies, with the goal of securing debt waivers or corrective actions for any violations identified.

    • Real-Time Monitoring


      Active monitoring is required to ensure you receive real-time updates and that our team can respond quickly and effectively. Monitoring is $34.95 per month, following a $1.99 7-Day Trial.

    • Authorization to Advocate


      To formally represent you, we require a notarized Power of Attorney. We’ve arranged reduced rates of $39.95 that is done at your convenience, completely online.

PRICING

Choose Your Plan

standard membership

$599 Enrollment

$149 per Month

  • Full 10-Step Advocacy Framework

  • 3-Bureau Credit Audit

  • Initial 30-Day Action Plan

  • Violation Screening & Custom Disputes

  • Monthly Progress Reporting

  • Secure Client Portal

premium membership

$699 Enrollment

$179 per Month

  • Everything in Standard

  • Priority Processing of Letters & Responses

  • Quarterly 1:1 Coaching Sessions

  • Strategic Credit Growth Blueprint

  • Personalized Debt Reduction Plan (Initial 45 Day Plan)

  • Priority Support

Hear What Our Clients Say

© 2025 Fred Livai Financial - All Rights Reserved

PO Box 3712

Hayward, CA 94540

info@fredlivai.com

Fred Livai Financial complies with all applicable federal regulations, including the Credit Repair Organization Act (CROA) and the Telemarketing Sales Rule (TSR). All services are provided in compliance with federal law, and case evaluations are only available to clients with a signed agreement.

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