How Much Do Credit Repair Companies Charge Per Month?

You typically pay $50 to $125 per month for credit repair services. Some companies charge up to $200 monthly.

Basic plans ($50-$80) cover 5-10 disputes per month plus score monitoring. Mid-tier plans ($80-$125) add creditor interventions. You get advanced legal help or debt negotiation separately at custom rates, not in standard tiers.

Credit repair companies set monthly fees that vary widely by service type, typically ranging $50-$150, with basic plans often cheaper and comprehensive ones higher due to added features. You encounter differences in dispute limits, extras like score tracking, and contract lengths from 3-24 months across providers. Basic plans may allow unlimited disputes, not capped at three.

• **Basic plans ($50-$100/month)**: Handle core disputes and creditor interventions; many offer unlimited disputes per cycle.
• **Standard plans ($75-$125/month)**: Add credit monitoring, score analysis; suitable for moderate issues.
• **Comprehensive plans ($100-$150+/month)**: Include identity theft protection, legal disputes; fees exceed this range at some firms with extras like personalized coaching.

Monthly fees cover your credit repair company's core services, including disputes, monitoring, and admin tasks. You typically pay $50-$150 monthly for this bundle over 3-24 months. These fees fund professionals who review your reports, challenge errors, track changes, and handle paperwork.

• **Disputes**: Experts file letters to bureaus challenging inaccuracies, negatives, or outdated items on your Equifax, Experian, and TransUnion reports.
• **Monitoring**: Ongoing scans detect new errors, identity theft, or score changes, alerting you promptly.
• **Admin**: Account management, customer support, compliance, and progress updates keep your repair on track.
• **Services**: Overall analysis, strategy, and education to boost your score effectively.

You gain unlimited disputes and support without per-item extras. Confirm your plan details upfront to maximize value.

5 hidden monthly fees to watch

• You pay extra $15-$30 monthly for credit monitoring add-ons, billed separately from core services.
• Identity theft protection tacks on $10-$25 per month, often pitched as essential.
• Administrative processing fees add $20-$50 monthly, covering "backend" work.
• Personalized score analysis costs $10-$20 extra each month beyond standard disputes.
• Membership or maintenance fees run $5-$15 monthly after initial disputes slow.

You choose subscription pricing if you face ongoing credit issues needing sustained effort. Monthly fees typically run $79-$129, or higher for premium services from credit repair companies. You pay over 3-24 months, gaining continuous disputes, monitoring, and support. This suits complex profiles like high debt or multiple errors, as it spreads costs while building long-term results (expect 6-12 months for major gains).

You select one-time pricing for quick, targeted repairs on fewer issues. Programs often cost $500-$2,000, depending on provider and scope. You pay upfront for a finite service package, ideal if you have simple disputes or a tight timeline. This avoids recurring fees but requires self-monitoring afterward.

3-24 months for credit repair. Your exact timeline depends on your credit situation and each credit repair company's practices. Mild errors resolve faster; complex issues take longer.

Review your credit report first. Late payments or collections often need 3-6 months. Bankruptcies or foreclosures may require 12-24 months. Track dispute success to refine your estimate.

You lower your credit repair company's monthly fees by asking these 6 targeted questions during signup or renewal talks. They reveal discounts, flexibility, and leverage.

1. "What current promotions or discounts apply to monthly fees for new clients like me?"
2. "Can you match a competitor's lower monthly rate, such as $79 from The Credit People?"
3. "Which non-essential services can we remove to drop the monthly fee?"
4. "Do you offer reduced rates for paying 3-6 months upfront?"
5. "How does the monthly fee change after the first 3 months of disputes?"
6. "What's the lowest monthly fee you've given clients with my credit profile?"

You spot red flags with low monthly fees when credit repair companies promise unrealistic results, like instant score jumps, for under $30 monthly. These often skimp on comprehensive disputes or support.

Some low-cost services legitimately offer solid value with unlimited disputes and monitoring. Reputable ones, like those with transparent plans around $50, deliver without limits.

You verify by checking exactly what's included: dispute volume, creditor interventions, and guarantees. Read reviews and contracts to avoid subpar options.