How Much Does Credit Repair Cost?

Credit repair typically costs a setup fee of roughly $50 to $300 and a monthly fee in the range of about $50 to $150, depending on how much negative reporting is being worked and how aggressive the program is. Anything dramatically outside that range — either suspiciously cheap or charging a percentage of your debt — is worth questioning.

What the Law Says About Fees

The Credit Repair Organizations Act prohibits charging or collecting a fee before a service has been fully performed. In practice that means a company cannot bill you a monthly fee for work it has not yet done, and it has to let you cancel within three business days of signing without any charge. California adds its own layer: credit services organizations must register with the attorney general and post a bond, and they are similarly barred from taking money before services are performed.

Those rules are the reason reputable pricing looks the way it does: a stated setup cost and a flat monthly fee tied to work that is actually delivered, not a large lump sum collected on day one.

Tony's Credit Repair Plan Prices

Our programs are flat-fee, published in full, and charged monthly with the setup cost stated before you sign. There are no per-letter, per-item or per-bureau charges added on top.

• BASIC — $149 setup, $99 per month. Lowest monthly cost, one basic round of challenges per account each month.
• CORE — $199 setup, $129 per month. One round of 5 Points Compliance Letters each month, for moderate negative credit.
• ADVANTAGE — $299 setup, $149 per month. Two rounds of 5 Points Compliance Letters each month, for significant negative reporting and a more urgent goal, with a money-back guarantee.
• DIY — a lower-cost self-guided option for people who want to handle more of the work themselves.

Compare all four plans

What Actually Drives the Cost

Three things: how many accounts need work, how many rounds of challenges are needed, and how long the process runs. Each round is a 30-day investigation with each bureau, so a file with one wrong collection resolves faster and cheaper than one with six collectors reporting the same debts. That is also why no honest company quotes a single price without reading your reports first.

Are There Extra Charges to Watch For

Yes, and they are worth asking about before you sign anywhere. Common extras are per-letter fees, "consultation" fees, charges for credit monitoring you did not ask for, and enrollment or portal fees disguised as something else. Ask for the total first-month cost and the total cost over the expected program length, in writing.

Warning Signs in Credit Repair Pricing

• A large upfront payment before any work has been performed.
• Fees calculated as a percentage of the debt being removed.
• A guaranteed score increase or a promise to delete accurate items.
• No written contract, or no mention of the three-day cancellation right.
• Prices that only appear after a sales call.

Does credit repair work?