How Much Do Credit Repair Companies Charge?

Knowing what you can expect to pay for credit repair.

How much does credit repair cost?

The cost of credit repair can vary widely, based on the level of service you need and your end credit goals. In fact, credit repair can be 100% free if you download your own reports once a year and correct any mistakes you find on your own.

But if you need professional assistance, want archives of effective dispute letters, or require direct attorney representation, then credit repair is usually going to cost you. How much you end up paying all comes down to choosing the right service for your needs and budget.

Use the information below to assess what you really need as far as credit repair and what you can expect to pay. If you’re ready to get started, call us or complete the form to the right to connect with the right service to help reach your goals.

The three levels of cost in credit repair

If you’re only talking about the most basic type of credit repair – where your reports are reviewed and items are disputed to either be verified or removed – there are a few ways you can go with different costs.

  • If you go 100% do-it-yourself, it’s free.
  • If you go for DIY credit repair, but use software or an online platform, you usually pay a one-time cost. Depending on the program you choose, cost for a good one will typically range from $69-$199.
  • If you use a “concierge” service – i.e. you pay someone to do the work for you – there is usually an initial setup fee, plus a monthly fee for every month the company is making disputes on your behalf. It will typically cost between $59-$299 per month. (This wide range of monthly costs is broken down further below.)

Why concierge can cost so much

The vast majority of reputable concierge credit services do more than review your reports and dispute mistakes (i.e. basic credit repair). They tend to tie other things in, such as credit monitoring and fraud protection. Some services even go further than that.

Fact: According to, the average consumer pays $64 for basic credit repair.

The reason reputable versions of these types of services usually offer more than basic negative item dispute is that credit repair is only one part of the story if you want to improve your credit score – which let’s be honest, is almost always the goal people go for with credit repair.

But basic credit repair may not get you where you want to be. You can remove a few unverifiable mistakes from your credit report and barely see a change in your credit score, depending on the number of negative items you have besides that. On the other hand, if the removed mistakes were the only negative information you had, you may see a big improvement. There’s too many variables to make blanket statements of how much credit repair can improve your credit score.

So most reputable companies do more than just the basics to help clients achieve better credit so they can reach their financial goals. Here are some of the services that may be included:

  • 1- or 3-bureau credit monitoring
  • Fraud protection / alerts
  • Credit score monitoring / alerts
  • Credit score simulators / credit coaching
  • Housing counseling & mortgage lender referral
  • ID theft insurance
  • Financial coaching / education

The more of these services you roll in, the more the program costs. With that in mind, pre-mortgage credit correction services usually cost the most, because it can take village to get your outlook ready to buy a home.

Don’t pay for more than you need

The main thing you want to avoid is paying for services you don’t need. If you’re going for a mortgage, a few hundred dollars to save tens of thousands on interest charges is worth it. But if you just want a better credit score and don’t plan on applying for a loan or new credit card in the near future, then paying for top-level service is probably overkill.

With that in mind, make sure you set your goals before you explore service providers and packages. Only pay for what you need and, if possible, negotiate with providers to remove features that don’t fit with your goals.