How Much Does Credit Repair Cost?

January 4, 2021 | by Jacob Hamilton

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Bad credit can cost you thousands of dollars and many opportunities over your lifetime. Individuals with low credit scores can be denied credit card applications, mortgages, personal loans, rent leases, auto leases and more. Additionally, you’ll often be given financial products with higher interest rates and poor borrowing terms. That’s why it’s essential to work on bad credit as quickly as possible. helps consumers work to improve their credit, and since 2012, members have seen over 1.8 million negative items removed from their credit reports. We’ll help you analyze your credit report, challenge questionable negative items on your credit report, dispute negative items with your creditors and continue monitoring your report for new negative items. Learn about our service levels that cover every budget and need.’s levels of credit repair service

Following the Credit Repair Organizations Act (CROA), only charges for services that have been completed. Consumers should be aware that their rights are protected by the CROA whenever they work with a credit repair service. Knowing and understanding these rights can help you avoid credit repair scams from dishonest organizations. charges a monthly fee for its services, on top of a “first-work fee,” which is separate from the monthly billing cycle and covers the cost of setting up your account. Setting up your account includes several steps, such as getting your credit information, deciding on a plan that will address your unique credit situation and starting to communicate with the bureaus.

Direct’s Direct Package is the most basic. It costs $69.95 per month, with a first-work fee of $69.95. This package includes bureau challenges, inquiry assists, goodwill intervention and quarterly credit score updates.


The second-tier package is the Standard package at $99.95 per month, with a first-work fee of $99.95). This package includes the same benefits as the Direct package but includes a FICO® Score Inquiry Assist service, which allows you to dispute inaccurate or unfair inquiries on your account.


The last package is the Advanced package at $119.95 per month, with a first-work fee of $119.95. This package includes all the same benefits as the Standard package as well as monthly credit score updates, more bureau challenges, more creditor interventions and cease and desist interventions.

Frequently asked questions about credit repair

What do credit repair companies do?

Credit repair companies help you work towards fixing your credit report. First, the credit repair company will get a copy of your credit report from one or all of the three credit bureaus. Then they’ll review it for any false or unfair negative claims. Once these have been identified, the credit repair company will work on your behalf to dispute these items with your creditors and the credit bureaus. Once your credit report is as accurate as possible, credit repair companies can continue to offer credit monitoring services. This serves to alert you when new negative items appear on your report so you can quickly work to address them.

Some credit repair companies will also offer advice on why your credit is so low, what is impacting it and how you can fix it in the future.

Does credit repair really work?

Credit repair services can be incredibly effective. While you can dispute negative items on your own, it’s a tricky process. Credit repair services, for a fee, handle all the “heavy lifting” for you. They’ll do all the work of reviewing the documents and filing disputes. And, as the credit repair companies have completed this process so often, they have a better understanding of what to include in disputes. As a result, working with a credit repair company significantly increases the chances of your dispute being approved.

It’s also important to note that you cannot file the same dispute twice and expect it to get reviewed. If you file a claim and it’s denied, the credit bureau won’t look at the dispute again unless you have new information. This is why it’s important to do it right the first time around, and credit repair services can help you accomplish just that.

Afterward, the credit repair company can continue to monitor your accounts and notify you when new negative items appear.

How long will it take to fix my credit?

It’s important to understand that credit repair services can’t really make any guarantees. Any credit repair company that promises to remove legitimate negative items off your report, guarantees you results or promises a specific timeline for results isn’t following CROA standards and is likely a scam.

Every situation is different and requires a unique solution. As such, there is no exact time frame for how long credit repair services will take. The process will take 30 days at a minimum, as a credit bureau has 30 days after receiving your dispute to verify the information. Generally speaking, you should expect credit repair to take between three and six months.

Is credit repair right for you?

Anyone can take steps to repair their credit, but it can help to work with professionals. For a very reasonable fee, legitimate credit repair services do all the work for you so that you can focus on the other priorities in your life. Additionally, credit repair services are experts at finding incorrect, unfair or unsubstantiated negative items and filing claims. They know how to file disputes in a way that has the highest chance of being approved for investigation (remember, you only get one shot at filing a dispute).

Every consumer’s situation is different. You have to ask yourself if you have the time to go through the effort of getting your report, reviewing it thoroughly and dealing with the credit bureaus as you file a dispute. If the answer is no, credit repair services might be your answer. Now that you know how much our credit repair services cost, it’s time to consider if they’re worth your investment.

It’s clear that bad credit can have incredibly harmful consequences, so improving your score should be something you prioritize. Get in touch with the credit advisors to learn more about your options today.

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