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How Much Does a Credit Repair Service Cost?

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Consumers get worried about the price of credit reports and clearing their disputes, but credit repair service costs depend upon the service you, as the consumer, take. It may vary from one service to another.

Credit repair helps consumers improve their credit. They also help by removing negative items from your credit reports,  analyzing your credit report, disputing negative items with the creditors, and monitoring your report for negative items.

You may get your free credit reports from the three credit bureaus: Experian, Equifax, and Transunion.

You may then have a look at your credit reports for inaccurate information, like late or missing payments. You must also check your reports for any unwanted payments which might be listed on the report because it may be identity theft.

This article covers credit repair service costs and options in detail.

Can I repair Credit Myself?

Credit repair companies charge a credit repair cost for their services but they only charge when they complete their service. If you want to remove negative items from your credit reports, then they will approach the credit reporting agencies on your behalf.

Before choosing to go to the credit repair companies, you must check if you can take measures to clear your credit report from negative items.

Check for the following items while repairing your credit yourself:

Dispute errors on your reports

Credit bureaus clear dispute errors directly. You may contact any of the three credit bureaus to solve this particular issue. This might be the simplest and fastest way to solve this dispute.

Look for accurate information

Remove unverifiable information, because you verify and reinstate it later. For example, if you have a debt to a retail business that is not currently working. It cannot be verified unless the retailer has sold the debt to a collection agency that can prove ownership.

Work on payment history

An important factor that affects your credit score is your history of paying bills. It’s best to maintain a record of paying your bills, and any missed payments will lower your score.

Lower your available credit

It may help if you have a low credit utilization ratio. The lower your ratio, the better your score will improve. You should make many small payments during the billing cycle.

The credit repair companies lower their service cost if you repair your credit by yourself. But the credit repair company will do these processes for you, as they are experts in credit law and other relevant information.

If you are not fully aware of your rights, do not know how to respond, or if you simply fail to follow up properly, then you risk wasting your time and seeing little to no positive results. 

Why Choose a Credit Repair Company?

If you want to build or improve your credit score, you may consider a credit repair service. These companies help in disputing negative or incorrect information on your credit reports.

The credit repair service costs from $69 to $149 per month and will take several months to repair your credit. Once the information on your credit reports is removed, the credit bureaus will have 30 days to check the reports.

You may address these errors on your credit reports:

  • Bankruptcy.
  • Incorrect information, for example, misspelled names.
  • Unverified debts.
  • Accounts that are not yours.
  • Outdated negative marks.

Knowledge about Credit Law

Federal law protects consumers from unfair credit reporting, billing, and collection practices. However, you might not be knowledgeable in any of the laws and might not spend your time learning these necessary laws due to a lack of time in your everyday life. 

A credit repair service will help you understand them so they work in your favor. Some of the protection laws and states include:

Credit Repair Service Cost

Credit repair service costs from $69 to $149, and the process depends upon the service you select.

A credit repair service is a for-profit company that provides services for you to improve your credit scores. They work according to the Credit Repair Organizations Act (CROA). The payment is charged per month or on each item getting removed from your credit report.

Credit repair service cost is available in packages, you can also include credit monitoring service or getting access to credit scores. But you can not exclude the services provided from that package. 

Some credit repair services include identity theft protection, fraud alerts, credit counseling like how to maintain a good credit score to their package.

If you repair your credit by yourself, you may not find some of these errors on your reports and it will impact your credit scores.

You may choose The Credit Pros to repair your credit. TheCredit Pros provide three plans and you may choose which is the best one for you. You may go for a free consultation regarding your credit reports. 

The important factor that brings change is how quickly your case is finished, which makes your case cost less.

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Frequently Asked Questions

How long does it take for credit repair to work?

The process takes one to six months, which depends on the disputes on your end. The average consumer takes three to six months to complete the process, but in a case with few errors, it takes less time.

How much should I expect to pay for credit repair?

The credit repair costs $69-$149 per month. If you repair credit by yourself, there won’t be any charge for it.

Can credit repair companies charge upfront?

The credit repair companies should not charge upfront. You will pay the amount only after the service is complete. Most credit repair companies abide by this rule.  They offer services through monthly payments.


Credit scores depend on fair and accurate credit reports, and a credit repair service helps with that result.

Negative information like late payments missed payments, or collection accounts will be on your credit reports for at least seven to ten years, which will hurt your credit scores. The credit repair service cost depends on the service you look for and the issue you have on your credit reports.

The credit repair service cost will take some monthly payments to pay off, and this will not take any accurate information from your credit report.

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