Pricing, Payment Options, and What to Expect
Start with a free consultation. Pricing is based on negative accounts/items (not inquiries) and is shown per bureau.
How Our Process Works
We review your credit reports and identify the negative accounts/items affecting approvals and pricing.
Pricing is based on the number of negative accounts/items and is shown per bureau (Experian, Equifax, TransUnion).
You choose your monthly payment (minimum $60). Once your service balance is paid, billing stops.
Important: Results vary and are not guaranteed. No company can legally remove accurate, current, or verifiable information.
Credit Repair Pricing (Per Bureau)
The pricing below is based on negative accounts/items (collections, charge-offs, late payments, repossessions, etc.). Inquiries are not counted in the account totals below.
If the only negative entries on your report are inquiries (and you have no other negative accounts/items), please call for inquiry-only pricing: 888 715 2400.
$200 — billed only after initial credit repair services are completed (analysis, strategy, and dispute preparation or submission).
| Negative Accounts / Items (Not Inquiries) | Price (Per Bureau) | Payment Structure |
|---|---|---|
| 2 negative accounts/items | $500 per bureau | Pay as you go (you choose monthly amount) |
| 3–10 negative accounts/items | $650 per bureau | Pay as you go (you choose monthly amount) |
| 11–20 negative accounts/items | $750 per bureau | Pay as you go (you choose monthly amount) |
| 21–30 negative accounts/items | $850 per bureau | Pay as you go (you choose monthly amount) |
| 30+ negative accounts/items | Reviewed during consultation (per bureau) | Pay as you go (you choose monthly amount) |
You choose your monthly payment amount based on your budget (minimum $60/month). Payments apply toward your per-bureau service balance. Once your balance is paid in full, payments stop.
In some cases, we may offer a pay-per-deletion option for negative accounts/items. If available for your situation, terms are confirmed during your free consultation. Fees are earned and billed only after services are performed.
Deletions are not guaranteed. Eligibility depends on your credit file and the items being addressed.
Tradelines may be available for qualified clients. Pricing generally starts around $600, with larger options reviewed during consultation.
Tradelines are optional, subject to qualification, and do not guarantee any specific outcome.
Why Our Pricing Is Different (and Better)
Many companies charge a recurring monthly subscription. That can feel open-ended because you keep paying until you cancel.
Our model is pay-to-finish:
- Pricing is based on your negative accounts/items, not a generic plan.
- You receive a defined per-bureau service balance.
- You choose your monthly payment (minimum $60/month).
- Once paid in full, billing stops.
- If available, you can also choose an optional pay-per-deletion structure.
No credit repair company can guarantee deletions or score increases. Results vary by credit file and bureau/creditor response.
You may cancel within three business days as provided by law. Fees are earned and billed only after services are performed.
Consumer Credit File Rights Disclosure
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. Credit bureaus must investigate disputed items, usually within 30 days, unless they determine the dispute is frivolous.
- You do not have to hire a credit repair organization to dispute inaccurate information.
- You may perform credit repair services on your own at no cost.
- No company can legally remove accurate, current, or verifiable information.
- No company can guarantee any specific outcome.
You may cancel your agreement without penalty or obligation at any time before midnight of the third business day after signing.
State-Specific Addendum (CA / TX / FL)
California law regulates credit services organizations. Consumers have cancellation rights, and fees are earned only after services are performed.
Texas law provides consumer protections for credit services. Fees are earned only after services are performed. Written disclosures and cancellation rights apply.
Florida law provides consumer protections for credit repair services, including cancellation rights and restrictions on advance fees.
If you reside in another state, federal consumer protection laws apply and additional disclosures may be provided upon request.
Start Your Free Consultation
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