How Much Does Credit Repair Cost?
If you’re thinking about fixing your credit, cost is likely one of the first questions on your mind.
In this guide, you’ll get a clear picture of how much credit repair typically costs—whether you choose to do it yourself or hire a professional.
Credit repair companies can be well worth the investment for many consumers, but knowing what you’ll pay upfront helps you make the best choice for your situation. This article breaks down typical credit repair fees, what services those fees cover, and how DIY credit repair compares in terms of cost and effort.
How Much Does Professional Credit Repair Cost?
When you hire a credit repair company, you will generally encounter one of a few common fee structures. Some companies charge a one-time setup fee along with monthly payments. Others use a pay-per-deletion model, where you pay only when certain negative items are removed from your credit report.
One-Time Setup Fees (Often Called “First Work Fees”)
Most credit repair companies charge an initial fee when you sign up. This fee covers the first round of work, such as reviewing your credit reports, identifying potential errors, and preparing your first disputes.
Typical setup fees range from $50 to $150.
For example, our top pick, Credit Saint, charges a startup fee ranging from $99 to $195, depending on which package you choose.
Monthly Subscription Fees
Many credit repair companies operate on a monthly subscription model. You pay a flat monthly fee in exchange for ongoing work on your credit reports. This usually includes filing disputes with credit bureaus, managing responses, and providing support along the way.
Typical monthly fees range from $50 to $150 per month.
Credit Saint’s monthly pricing ranges from $79.99 to $119.99, based on the level of service you select.
Pay-Per-Deletion Models
Some companies use a pay-per-deletion model. With this approach, you pay only when a negative item is successfully removed from your credit reports.
Costs per deletion usually range from $35 to $100 per item removed.
This model can seem appealing because you only pay for results. However, it can sometimes result in higher total costs if you have many items in need of correction.
What Do You Get for the Cost?
Credit repair companies aim to make the process of improving your credit reports easier and more efficient. Here are the services that are typically included in what you pay for:
- Credit report review: The company will obtain and review your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) to identify errors or questionable items.
- Dispute filing with credit bureaus: The company will draft and submit formal dispute letters to the credit bureaus on your behalf, requesting corrections or removals where appropriate.
- Ongoing dispute management: The company monitors responses from the credit bureaus and follows up as needed to continue addressing any outstanding issues.
- Monitoring and support: Many companies offer ongoing credit monitoring so you can track progress. They also provide support and answer questions throughout the process.
- Credit education and coaching (sometimes): Some companies include educational resources and coaching to help you build healthier credit habits moving forward.
If you are ready to explore your options, check out our list of top recommended credit repair companies to find a service that fits your needs and budget.
Is There a Free or DIY Option?
You do not have to hire a credit repair company to address errors on your credit reports. You can choose to repair your credit on your own for little to no cost—but doing so requires time, effort, and attention to detail.
DIY Credit Repair Costs: $0 to Minimal Postage/Copying Costs
DIY credit repair is free in terms of service fees. Your only costs might include postage for mailing dispute letters or small expenses for printing documents. In some cases, you may be able to submit disputes online at no cost.
What DIY Involves
- Pulling credit reports: Start by obtaining free copies of your credit reports from Equifax, Experian, and TransUnion. You are entitled to one free report from each credit bureau per year through AnnualCreditReport.com.
- Identifying errors: Review your credit reports carefully to spot inaccuracies, outdated information, or questionable negative items.
- Writing dispute letters: Draft and send dispute letters to the credit bureaus, requesting corrections or deletions of inaccurate information.
- Following up with bureaus: Stay organized and follow up on responses from the credit bureaus. You may need to provide additional documentation or submit further disputes.
When DIY Makes Sense — And When It Doesn’t
DIY credit repair makes sense if you have only a few simple errors to correct and are comfortable managing the process yourself. It is also a good option if you want to avoid paying fees.
Hiring a professional may make more sense if you have complex credit issues, limited time, or want expert support throughout the process.
Comparing Professional Credit Repair to DIY
Choosing between hiring a credit repair company and doing it yourself comes down to cost, time, expertise, and your specific needs. Here is a side-by-side comparison to help you weigh your options:
| Factor | Professional Service | DIY Option |
|---|---|---|
| Cost | $50–$150 per month plus setup fee | Free to minimal |
| Time commitment | Low | High |
| Expertise required | Provided | Self-learned |
| Success likelihood | Higher for complex cases | Good for simple errors |
Professional credit repair services offer convenience and expertise, which can be valuable if you have a complex situation or limited time. On the other hand, if you are willing to invest the time and effort, DIY credit repair can save you money—especially for basic credit report corrections.
How Long Will You Need to Pay for Credit Repair?
The length of time you will pay for credit repair depends on the complexity of your credit issues and the method you choose. On average, credit repair takes between three to six months.
The more issues you have to address, the longer the process may take. Each round of disputes typically takes 30 to 45 days, and some items may require multiple rounds of communication with the credit bureaus.
Why Time Affects Total Cost
If you choose a credit repair company that charges a monthly fee, the total cost depends on how long you remain a client. A longer engagement naturally results in a higher total cost. That is why it is important to work with a company that communicates realistic timelines and does not push long-term contracts.
Example Total Costs
For a typical credit repair engagement lasting three to six months, you can expect to pay around $300 to $900 in total fees. This includes the initial setup fee and monthly subscription fees.
Caution About Long-Term Contracts
Be cautious of companies that promise instant results or lock you into long-term contracts. Credit repair is a process that takes time, and no company can guarantee quick or guaranteed outcomes. Reputable companies offer month-to-month billing with the flexibility to cancel at any time.
Is Paying for Credit Repair Worth It?
Whether paying for credit repair is worth it depends on your personal situation, goals, and resources.
When Hiring a Service May Make Sense
- Complex credit issues: If your credit reports contain multiple negative items, identity theft issues, or inaccurate public records, professional help can save time and stress.
- Lack of time or knowledge: If you are busy or unsure how to manage credit report disputes, a credit repair company can handle the process for you.
- Desire for professional support: Some consumers prefer having expert guidance and accountability throughout the process, especially when preparing for a major purchase like a home or car.
When DIY Might Be a Better Fit
- You have simple, straightforward errors: If your credit reports contain one or two obvious errors, you may be able to address them yourself with a few well-crafted dispute letters.
- You have time to handle disputes yourself: If you are comfortable reading your credit reports, managing deadlines, and following up with credit bureaus, DIY credit repair can be a cost-effective option.
Final Thoughts
The typical cost of professional credit repair ranges from $50 to $150 per month, with an additional setup fee of $50 to $150. Pay-per-deletion models are also available, but may lead to higher costs depending on your credit situation. DIY credit repair costs little to nothing out of pocket, but it requires more time and effort.
Hiring the right credit repair company can be a smart investment when used strategically—especially if you need expert support or are dealing with complex credit challenges.
