Credit repair cost, explained honestly
We do not publish a price for done-for-you work, and we are going to tell you exactly why. What we will publish is everything else: how the fee is structured, what decides your level, what is always included, what we are never allowed to charge you for, and the questions to ask any credit repair company before you hand over a card.
No contracts. Month to month. Cancel anytime.
Why there is no price on this page
Because a credit repair price posted before anyone has read your reports is a guess, and a guess in this industry is usually the low number that gets you on the phone.
Two files that look identical from the outside are not the same job. One person has four collections from the same original debt, which is one issue reported four ways. Another has four separate accounts across three bureaus, a re-aged date of first delinquency, and an old address creating a mixed file. The second file is several times the work. Quoting them the same price means one of them is overpaying.
So the number comes after the free Credit Clarity Session, when a specialist has actually read your three reports and can tell you what the work is. You get the fee in writing before you agree to anything, and you are never asked to decide on the call.
What follows is everything about our pricing that we can tell you without seeing your file. Which turns out to be almost all of it.
How credit repair pricing is structured here
Two components, the same on every level. Only the amounts change.
A first-work fee
A one time fee covering the first real work on your file: pulling and reading all three bureau reports, building the item by item analysis, and preparing and sending the first round of disputes.
It is charged after that work is performed, not before. Under CROA a credit repair organization cannot take payment for services until the services are rendered, and we do not.
A flat monthly fee
A flat amount each month while the engagement continues. It covers the ongoing rounds, tracking the investigation deadlines, reading and forwarding every bureau response, monitoring your reports for changes, and your monthly update.
It does not go up if your file turns out to be more work than expected, and there is no per-item fee, no per-deletion fee, and no bonus billed for a good result.
Both numbers are quoted to you together, in writing, before you sign anything. If someone quotes you a monthly and stays quiet about a setup fee, that is the question you should ask next.
What decides which level you land on
Five things. None of them are how motivated you sound on the phone.
How much is actually in play
Not how many negative items you have. How many are genuinely inaccurate, outdated, or unverifiable. A report with fourteen derogatory marks where twelve are accurate is a smaller job than a report with five where four are wrong.
How many bureaus are involved
Every dispute is filed per bureau. An item reporting at all three is three parallel investigations with three separate deadlines and three separate responses to read. That is work, and it is why bureau spread affects the level more than raw item count does.
How complicated the underlying facts are
Identity theft, a mixed file from a shared name, a debt sold three times, a re-aged delinquency date, or an account inside an active debt relief program all require documentation and sequencing that a straightforward duplicate collection does not.
Whether you need a plan or just corrections
Some people need inaccurate reporting handled and nothing else. Others are trying to qualify for a mortgage in nine months, which means positioning, utilization targets, and application timing on top of the corrections. That is a different level of engagement, not a bigger dispute volume.
Whether a business is involved
Business credit sits on top of personal credit readiness. If the goal is fundability, the engagement covers the personal foundation, the entity setup, and the sequencing of the vendor ladder. See Business Credit and Fundability or the Score Pros Biz platform.
What is always included, and what is never charged
These do not change by level, by file, or by how the call goes.
Always included, every level
- The free Credit Clarity Session before you spend anything
- A full read of all three bureau reports, not just the worst one
- Your fees quoted in writing before you sign
- The written CROA disclosure of your rights, before the contract
- The dispute plan for each round, shown to you before it is sent
- Every bureau response forwarded to you as it arrives
- A monthly update on what changed and what is next
- Access to your specialist by phone during business hours
- An honest answer when an item is accurate and not worth challenging
- Cancellation whenever you want it, with no penalty
Never charged, ever
- Advance fees. CROA prohibits charging for credit repair services before they are performed
- A fee per deleted item, or a bonus for a good result
- A setup fee that appears after you have already agreed to a monthly
- A cancellation fee, an early termination fee, or a term commitment
- A fee to obtain your own credit reports
- A charge for purchased tradelines. We do not sell them
- A charge for a new credit identity or a CPN. Those are illegal
- A price that changes after you have signed, without a new agreement
Your written right to cancel
Under the Credit Repair Organizations Act you may cancel your contract in writing within three business days of signing it, for any reason and at no cost. Some states give you longer. California residents may cancel until midnight of the fifth working day after signing, and any payment made must be returned within 15 days of our receiving your notice. Your written agreement states the cancellation period that applies in your state, and your specialist will point it out to you rather than hoping you miss it.
After those three days, there is still no contract holding you. Tell us to stop and the next month does not bill. You keep every document and every bureau response we obtained for you.
Find out what your file would actually cost
A pricing page can only take you so far. The real number comes from someone reading your three reports and telling you what the work is. That call is free, and there is no decision required on it.
Get a real quote for your file
A Score Pros specialist calls you within 1 business day, reads your 3-bureau reports with you, and tells you what the work is and what it costs.
You're on the list.
A Score Pros credit specialist will call you within 1 business day to schedule your Credit Clarity Session. Check your email for a confirmation.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
The four levels, by what is included
Same structure and same protections on every level. What changes is the depth of the engagement.
Scroll the table sideways to compare all four levels.
| What is included | Managed Credit Support Essential Plan | Guided Credit Strategy Priority Plan | Strategic Credit Planning Credit Master Plan | Business Credit & Fundability Business Credit |
|---|---|---|---|---|
| Best for | Getting inaccurate reporting handled correctly | Progress plus understanding how credit works | A specific goal like a mortgage or auto loan | Preparing a business to be fundable |
| Full 3-bureau report review | Included | Included | Included | Included |
| Disputes on inaccurate, outdated, or unverifiable items | Included | Included | Included | Where relevant |
| Every bureau response forwarded to you | Included | Included | Included | Included |
| Round plan shown to you before it is sent | Included | Included | Included | Included |
| Monthly progress update | Included | Included | Included | Included |
| Education on utilization, account age, and mix | Basics | Included | Included | Included |
| Written strategy tied to a specific goal | Not included | Not included | Included | Included |
| Application timing and positioning guidance | Not included | Light | Included | Included |
| Personal credit foundation review for business | Not included | Not included | Not included | Included |
| Business readiness and sequencing plan | Not included | Not included | Not included | Included |
| Ongoing monitoring and re-insertion checks | Included | Included | Included | Included |
| First-work fee plus flat monthly fee | Included | Included | Included | Included |
| No contract, cancel anytime | Included | Included | Included | Included |
Not sure which row you are in? That is the whole point of the session. See the full description of each level, or read how credit repair works before you decide.
If you would rather do it yourself
The law gives the dispute rights to you, not to us. Plenty of files do not need a done-for-you engagement, and we would rather point you at the cheaper route than sell you the expensive one. These prices are published and they are flat.
Approval Lab
$25 / month
The playbook we use with clients, made teachable. Five courses across 42 lessons, dispute letter templates, trackers, and a weekly live Q&A. Best if you want to learn the process before you spend money on anyone doing it for you.
ScorePros AI
$49.99 / month
A self-serve credit tool: all three bureau reports in one place, plain English analysis of each item, and dispute letters prepared for your review. Nothing is sent without your approval. Flat rate, cancel anytime, no contracts.
Biz DIY Builder
$99 / month
The business credit side, run by you. A fundability score and roadmap, a five phase build dashboard, a vendor tradeline database, and business bureau monitoring. The Accelerator above it is by application, with the investment discussed on a strategy call.
Start where it makes sense. People move up when the file turns out to be more than they wanted to manage, and that is a normal path, not a failure.
Seven questions to ask any credit repair company about price
Ask us these. Then ask whoever else you are considering. The answers tell you more than any pricing page will.
1. Is there a setup or first-work fee on top of the monthly?
A monthly quoted alone is the oldest way to make a price look small. Get both numbers before you compare anything.
Ours: yes, there is a first-work fee, and it is quoted to you at the same time as the monthly.
2. When exactly am I first charged?
CROA prohibits charging for credit repair services before they are performed. If the answer is "today, to get started," that is a problem regardless of how it is worded.
Ours: both fees are quoted to you in writing before you sign, and your written agreement states when each one is billed. Nothing is charged to get you on a call.
3. Is there a contract, and how long is it?
A six month minimum term means you are paying for month six whether or not month three was useful.
Ours: no term commitment. Cancel anytime, and a written right to cancel the contract on top of that: three business days under CROA, and longer in some states (five working days in California).
4. Do you charge per item deleted?
Per-deletion pricing creates an incentive to dispute everything, including accurate items, because volume pays. That is the exact behavior that gets a dispute deemed frivolous or irrelevant under FCRA section 611(a)(3), which lets the bureau stop the investigation and simply tell you why.
Ours: no per-item or per-deletion fees. A flat monthly, whatever your file turns out to be.
5. What happens to my fee if nothing changes?
No legitimate company can guarantee an outcome. But you should know in advance what you are paying for: the work, or a result nobody is allowed to promise.
Ours: you are paying for the work performed, and you can stop any month. Results vary and no outcome is guaranteed.
6. Will you show me what you sent and what came back?
If a company will not show you the disputes going out in your name, you have no way to know whether accurate items are being challenged on your behalf. You are the one signing them.
Ours: you approve each round before it is sent and receive every bureau response as it arrives.
7. Will you tell me if I do not need you?
A company whose only product is its most expensive product will find a reason you need it.
Ours: the free session ends with the honest recommendation, including "handle this yourself" and a pointer to the $25 or $49.99 route.
Questions about credit repair cost
Why don't you list your prices?
Because the price depends on the work, and the work depends on your reports. Publishing a single number would mean either overcharging simple files or underquoting complicated ones and then revising the number after you are emotionally committed. We would rather read your file first and quote you once.
Everything else about our pricing is on this page: the structure, the factors, what is included, what is never charged, and the exact questions to hold us to.
How much does credit repair cost in general?
In the industry it varies widely, and comparing advertised monthlies alone is misleading because setup fees, per-item fees, and minimum terms are where the real cost hides. The comparison that actually matters is total cost over the months you expect to be engaged, with every fee disclosed up front.
If a flat published price is what you want, the self-serve routes are exactly that: Approval Lab at $25 a month and ScorePros AI at $49.99 a month.
Do I pay anything for the Credit Clarity Session?
No. The session is free, no card is required to book it, and no decision is required on the call. If we recommend paid work, you get the fees in writing afterward and you take as long as you want with them.
Can you charge me before you do any work?
No. The Credit Repair Organizations Act prohibits a credit repair organization from charging or receiving money for credit repair services before those services are fully performed. If any company asks you to pay to get started, that is your answer about that company.
Is there a contract or a minimum number of months?
There is a written service agreement, which CROA requires, and it includes your written right to cancel: three business days under CROA, and longer in some states (five working days in California). There is no minimum term, no lock in, and no cancellation penalty. Cancel and the next month does not bill.
What is the written right to cancel?
Under CROA you may cancel your contract in writing within three business days of signing, for any reason, at no cost. Some states give you longer. California residents may cancel until midnight of the fifth working day after signing, and any payment made must be returned within 15 days of our receiving the notice. Your written agreement states the period that applies in your state. The notice comes with your agreement, and we point it out rather than burying it, because a client who feels trapped is not a client we want.
What if I cancel in the middle of a dispute round?
The disputes already sent keep running. Bureaus answer you directly, and their deadlines are not affected by whether you are still working with us. You keep every document and every response we obtained. We will tell you what to expect in the mail and when.
Do you offer refunds?
Cancelling within the written cancellation period is a full cancellation at no cost: three business days under CROA, and longer in some states, since California residents have until midnight of the fifth working day after signing with any payment returned within 15 days. Beyond that, plans are month to month and you can stop any month, so there is no accumulated balance to refund. If something went wrong on our side, call us. Anything about billing goes straight to the owner.
Is the cheapest level the worst one?
No. It is the narrowest one. Managed Credit Support handles inaccurate reporting properly and nothing more, which is genuinely all some files need. The higher levels add strategy, positioning, and business readiness, which are worth paying for only if you have a goal that requires them.
Compare them in the table above or on the services page.
Can you guarantee my score will go up for the price?
No, and no company operating legally can. CROA prohibits untrue or misleading claims about what credit repair can do for you. Results vary from file to file and no outcome or timeline is guaranteed. What we will commit to is the work, the transparency, and your ability to walk away any month.
The only way to get your real number
A specialist reads your 3-bureau reports with you, tells you what is genuinely in play, and quotes the work. Free, no card, no decision on the call.
Book your free credit consultation
Tell us a little about your situation. We call you back within 1 business day. Results vary and no outcome is guaranteed.
You're on the list.
A Score Pros credit specialist will call you within 1 business day to schedule your Credit Clarity Session. Check your email for a confirmation.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
Prefer to talk now? Call (949) 430-6622, Mon to Fri, 9am to 6pm PT. Or read our compliance commitments and the full FAQ first.