Know the cost before you start.
Pricing is built around results. You pay nothing to start, one audit fee after we deliver, and a fee for each removal your updated report confirms.
- To start
- $0 for a 20-minute review
- Initial Audit
- $199 once, after delivery
- Per removal
- $10 to $100, only when verified
- If nothing is removed
- $199 refunded within 180 days
Build your own invoice.
Add the removals you expect and watch a month of deletion fees add up. Every removal is counted per item, per bureau. The numbers are illustrative, not a prediction of your results.
Federal law also gives you the right to dispute inaccurate information yourself, for free, with Equifax, Experian and TransUnion. You are never required to hire a credit repair company. How to dispute directly (CFPB)
When each fee is billed.
Four moments, in the order they happen.
Free credit review $0
A 20-minute call. We read your situation, point out likely dispute items and outline timelines before you commit to anything.
Initial Audit $199
Billed five days after enrollment, once your 15+ page three-bureau audit, tailored dispute letters and portal access are prepared and delivered.
Monthly deletion invoice per removal
Billed monthly in arrears, only for items the bureaus formally deleted or corrected that month, as your updated report shows. If none were, that month's deletion fee is $0.
Credit monitoring $21.99 a month
Required while your file is in dispute. It lets us pull updated records with soft inquiries that never harm your score. Our preferred provider offers a $1, 7-day trial, then bills you directly.
Billing questions, answered.
When do I pay?
The free review costs nothing. The $199 Initial Audit is billed after your audit and first dispute package are delivered. Deletion fees are billed monthly, only for items your updated report shows as removed. A month with no removals has a $0 deletion invoice.
Is the fee per item or per bureau?
Both. A removal is counted for each item on each bureau. A collection removed from Equifax and TransUnion is two removals, so $100.
What if nothing is removed?
If no negative items are removed within 180 days of enrollment, the $199 Initial Audit Fee is refunded in full.
Do I have to pay for credit monitoring?
Yes. Three-bureau monitoring is required while your file is in dispute. It is billed by the monitoring provider, not by us, at $21.99 a month after a $1, 7-day trial.
Can I cancel?
Yes. Federal law gives you three business days to cancel a credit repair contract for any reason. Your written agreement explains how to cancel.
Talk it through before you decide.
The review is free, and there is nothing to sign. Bring your questions about any line on this page.