Credit Repair costs, by state and province

Typical costs for credit repair per month. Monthly fee varies with dispute volume and services. Open a market below for a local estimate.

Credit repair companies charge $50 to $150 per month, with initial setup fees of $0 to $200. DIY credit repair costs only postage and time, typically $10–$30 per dispute. Services often promise to remove negative items, but results vary by case.

What Drives the Price

Monthly fees depend on the number of credit bureaus monitored and disputes filed. Basic plans covering one bureau cost $50–$80 per month, while full tri-bureau plans run $100–$150. Initial fees cover credit report analysis and can be $50–$200.

Credit Repair vs DIY

DIY credit repair involves writing dispute letters yourself, costing about $5–$10 per letter for postage and printing. A typical three-bureau dispute cycle costs $30–$60 in materials. Hiring a service for the same work costs $300–$900 over six months.

Legal Protections and Guarantees

The Credit Repair Organizations Act (CROA) prohibits upfront fees and requires a three-day cancellation period. Many companies offer a money-back guarantee if no items are removed within 90 days. Average timeline for results is 3–6 months, with monthly fees continuing until completion.

Typical Credit Repair prices
ItemTypical range
Monthly service fee$50 – $150
Initial setup fee$0 – $200
Per dispute (DIY)$5 – $10
Typical timeline3 – 6 months

Every market for credit repair costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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