Credit Repair Cost. Priced Straight, Including The Free Option.

Any honest pricing page starts here: disputing your own file is free, forever, by law. What you pay a company for is professional execution. Here’s what the market charges, what the law allows, what drives the number, and how to interrogate any quote — ours included.

The short answer

Credit repair is priced monthly, per round, or as a flat engagement, and under the CROA no company may charge before work is performed or guarantee results. What you're paying for is the process, run every cycle. The 800 Club's in-house team runs that process at a published price, straight.

Written and reviewed by Christopher Blanco, Founder of The 800 Club · Reviewed August 2026

The Market

What Credit Repair Typically Costs.

Across the industry, most legitimate services price as a monthly subscription that commonly runs from around $79 to $150 a month, often with a comparable first-work fee, running for as long as the file needs — typically several months to a year. Flat-fee and per-round pricing exist too. What the number buys is process: audits across all three bureaus, dispute rounds, furnisher escalations, tracking, and the persistence most people run out of by cycle two. What it can never lawfully buy is a promised outcome.

The Law

What Companies Can’t Charge (Or Claim).

The Credit Repair Organizations Act draws bright lines: no charging before work is performed, a written contract with the services and timeline spelled out, a right to cancel, and no guarantees of specific deletions or score jumps. A company demanding a big upfront fee before doing anything, or guaranteeing results, is advertising a CROA violation as a feature. Walk.

The Drivers

Why One File Costs More Than Another.

The honest cost drivers: how much is wrong (two erroneous lates versus years of collections across three bureaus), how contested it’ll be (furnishers who verify sloppily force escalation rounds), and the deadline (a mortgage application in six months compresses everything). The real comparison isn’t service-versus-free — it’s service-versus-the-cost-of-the-broken-file: one tier of borrowing improvement typically pays for the entire engagement many times over.

What The Broken File Costs — The Math

The Questions

Interrogate Any Quote — Ours Included.

Ask: What exactly happens in month one? Which items will you challenge, and on what grounds? What does the contract say about cancelling? What will you not do? (The right answer includes: “remove accurate, verifiable history — nobody can.”) A company that answers all four plainly is worth talking to. One that answers with a score promise isn’t.

Our Packages & Pricing → The Process Itself, In Full Back To The Hub

Straight Answers

Asked Constantly — Answered Once.

How much should I pay for credit repair?

Typical legitimate pricing runs from roughly $79 to $150 a month, sometimes with a first-work fee, and it must be charged after work is performed — the Credit Repair Organizations Act bans advance fees. Anything priced as a large upfront lump sum for promised deletions is the shape the law forbids.

Is it worth paying for credit repair or should I do it myself?

Disputing is free by law and a simple file with one or two errors is a weekend job. Files with items across all three bureaus, repeat rubber-stamps, and furnisher escalations are where a professional process earns its fee — the same rights, run every cycle without you doing the postage war.

Can a credit repair company charge before doing any work?

No — under CROA a credit repair organization cannot collect payment until the promised services are fully performed. You also get a written contract, a three-day cancellation right, and a disclosure of your right to do it yourself. A company skipping any of those is telling you what kind of company it is.

Reading Is Free. So Is The Next Step.

Done-For-You

Credit Repair, Handled

Every negative item worked, every round — professionals on your file while you run your life.

See The Service → The Playbooks

The Elite Credit Series

The Basics $67 · The Builder $97 · The Stack $127 — and The Shield, our identity-defense guide, free with a strategy call.

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The Consultation Costs Nothing. Neither Does Knowing.

A free strategy call reads your file and prices the work honestly — including “you could do this part yourself.”

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