How Much Does Sixty-Day Credit Repair Really Cost?

You will pay from under $200 to over $600 for a 60-day credit repair plan. Costs vary substantially by credit repair firm, number of disputed items, and optional services. A common range falls between $250 and $500, but expect differences based on your specific situation.

Credit repair firms often charge a setup fee of $50 to $200 plus $50 to $150 monthly over two months. You control totals by limiting disputes or skipping add-ons. Shop multiple quotes to find the best fit for you.

• You pay monthly fees (typically $50-$150) for credit report analysis and dispute preparation in your 60-day credit repair plan.
• You cover per-dispute fees ($25-$100 each) for challenging inaccuracies with credit bureaus and creditors.
• You fund ongoing monitoring services to track changes during the 60 days.
• These figures represent illustrative averages; actual costs vary widely by credit repair firm.
• FTC rules require firms to disclose all fees upfront in writing and prohibit charges before services are rendered.
• Always obtain a written price schedule from your provider before signing.

You face three realistic cost scenarios for a 60-day credit repair plan. Actual costs vary by provider. Here they are with exact example totals.

1. **DIY scenario**: You spend $200 flat. Buy a credit repair toolkit online. Handle disputes yourself via free credit bureau sites. No ongoing fees.
2. **Basic professional scenario**: You pay $350 total. Hire a credit repair firm for setup fee ($100) plus two months at $125/month. They file 5-10 disputes.
3. **Premium professional scenario**: You pay $700 total. Choose a firm with setup ($200), $250/month for two months. Includes score tracking and extras like debt validation.

When a 60‑day plan is worth your money

You get value from a 60-day credit repair plan when your credit report shows multiple verifiable errors you lack time or expertise to dispute yourself, and quick fixes could unlock better loan terms.

Consider these scenarios where pros often pay off:

• You face urgent needs like buying a home or car, where even modest score gains (results vary widely) speed approvals.
• Your report lists 10+ inaccuracies from old accounts or ID theft, overwhelming DIY efforts.
• The firm's fee (typically $500-$1,500) beats months of high-interest debt you avoid through faster score recovery.

You decide based on your report's issues and timeline. Pull your free credit reports first at AnnualCreditReport.com to assess errors realistically. Results depend on your unique profile and lender policies - no guarantees exist.

You can reasonably expect 10 to 30 point gains in your FICO score from a solid 60-day credit repair plan. Results vary by your starting score and issues fixed. Credit repair firms target errors like late payments or collections.

You see bigger jumps, up to 50 points, if you have many inaccuracies. Fewer gains happen with deeper problems like bankruptcies. Track progress weekly via free credit reports.

Manage expectations: no guarantees exist. Combine with on-time payments for lasting boosts. Patience pays off beyond 60 days.

Payment plans for your 60-day credit repair plan can raise your final bill, but fee structures vary widely among credit repair firms. You might encounter optional enrollment fees or per-payment processing charges (typically $5-$10 if applied), though many firms charge flat fees with no surcharges. Interest on balances remains rare, as most services quote a single upfront price.

Check the specific terms of any credit repair firm before signing up. This avoids surprises like hidden add-ons. (Some firms offer interest-free plans to attract clients - worth asking.)

• Watch for setup fees ($50-$200) added before your 60-day credit repair plan starts.
• Check contracts for per-dispute charges ($25-$100 each) beyond the base price.
• Avoid cancellation penalties ($100+) if you end your plan early.
• Resist upsells to credit monitoring ($20/month extra).
• Decline add-ons like identity theft protection ($15-$30/month).
• Question rush processing fees ($50-$150) for faster 60-day results.

lower prices and shorter timelines for your 60-day credit repair plan by comparing quotes, highlighting your case strength, and committing to quick document submission.

1. Get 3-5 quotes upfront. Pit firms against each other (e.g., "Firm A offers $500; match it?").
2. Ask for introductory discounts or bundle setup fees into payments. Target 10-20% off typical $400-$800 range.
3. Share your credit report details early. Strong disputes (e.g., outdated accounts) justify faster timelines.
4. Provide all docs within 24 hours. This cuts processing delays by weeks.
5. Request phased payments tied to milestones. Speeds service while easing your budget.
6. Invoke trial periods or guarantees. Walk if they won't budge on price or 60-day delivery.

You benefit from federal and state laws that ban advance fees, mandate disclosures, and enable refunds for 60-day credit repair plans.

The Credit Repair Organizations Act (CROA) prohibits credit repair firms from charging any fees before fully completing services - no exceptions for deposits or scheduled payments. Firms must provide a written contract disclosing your rights, including three-day cancellation. Seek refunds through civil remedies or FTC complaints if firms violate CROA; full recovery of illegal fees is possible as damages.

California's Credit Services Act offers a 5-business-day cancellation period. You receive full refunds within 10 days of notifying the firm if they fail to perform promised services by the contract timeline. Other states like Texas and Florida impose similar bans on upfront fees and require performance bonds for consumer protection.

You pay more for 60-day credit repair plans handling bankruptcies or identity fraud, as firms tackle complex issues like public records or fraudulent accounts. These services vary widely by provider, with no industry standard. Expect fees 50-200% above base plans of $300-$500:

• Bankruptcy removal demands extra work, like disputing Chapter 7 or 13 filings, often adding $400-$1,200.
• Identity fraud resolution involves fraud alerts and account blocks, typically boosting costs $300-$900.

Shop multiple credit repair firms for quotes, as pricing depends on your report's severity and their expertise.