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Credit repair pricing

Affordable credit repair plans. Pay only for work that’s done.

Choose a pay-per-dispute option if you want to stay hands-on, or a full-service plan if you want us to handle everything. You are never billed before the service is performed.

Pay-Per-Dispute

For people who want expert letters and prefer to mail them.

$50per dispute, per bureau

No monthly fee. No setup fee.

  • Free 3-bureau credit analysis
  • Custom FCRA dispute letter for each item
  • Step-by-step mailing instructions
  • Billed only after your letter is delivered to you
  • You mail the letter and stay in full control

FCRA Advanced

For complex files, stubborn errors and possible consumer-rights violations.

$199per month

+ $500 first-round fee, billed after your first disputes are mailed

  • Everything in Done-For-You
  • Method-of-verification requests to the bureaus
  • Direct disputes with creditors and collectors
  • Debt validation letters to collection agencies
  • CFPB complaint preparation when bureaus don’t comply
  • Referral to an independent consumer protection attorney if your rights appear to have been violated

Example: disputing one collection account with all three bureaus on the Pay-Per-Dispute plan costs $150. Cancel any full-service plan at any time. You may cancel any contract without penalty or obligation within 3 business days of signing. Results vary by credit file, and no company can legally guarantee the removal of accurate information.

Credit repair FAQ

Straight answers to common questions

How much does credit repair cost?

Pay-Per-Dispute is $50 per dispute, per bureau. Full-service plans are $99 or $199 per month. You are never charged before the work is performed.

Which plan is right for me?

A few errors: Pay-Per-Dispute. Several negative items across bureaus: Done-For-You. Repeated verifications, identity theft or suspected violations: FCRA Advanced.

Can I cancel?

Yes. You can cancel within 3 business days of signing without penalty, and cancel any monthly plan at any time after that.

Will disputing hurt my credit score?

No. Filing a dispute does not lower your credit score, and our credit analysis does not create a hard inquiry.

Free credit analysis

Find out what’s really holding your credit score back

Tell us a little about your goals. A credit specialist will review your report and give you an honest assessment, with no obligation and no cost.

  • Buying a home or refinancing
  • Getting approved for an auto loan
  • Qualifying for lower interest rates
  • Rebuilding after a hardship or identity theft
  • Improve credit score

Required

Checking your analysis does not affect your credit score.