Simple Monthly Plans
Self-service AI credit tools. You review and authorize every letter. Plans renew monthly until canceled — cancel anytime from your portal with no fee.
Couples save 50% on the spouse's plan — every month
Two separate portals, two separate credit files, one household discount.
Starter
Entry-level DIY software
No spouse discount — one person only
- AI report scans
- AI dispute letters (Rounds 1–2)
- Round 3 escalations: upgrade to DIY Essentials
- Progress tracking
- Use your own report: free PDF from AnnualCreditReport.com or a partner monitoring service (billed separately by the provider)
- Individual plan only — no couples discount
- Cancel anytime
DIY Essentials
DIY software
- Unlimited AI report scans
- Unlimited AI dispute letters (Rounds 1–3)
- AI Action Plan & progress tracking
- Use your own report: free PDF from AnnualCreditReport.com or a partner monitoring service (billed separately by the provider)
- Cancel anytime
Pro Credit Watch
DIY software + extras
- Everything in DIY Essentials
- Debt validation, inquiry & personal-info letters
- Multi-round dispute timeline tracker
- Score history across all three bureaus
- Credit report not included — upload your own or connect a partner service
Optional add-on: Print & Mail
$1.83 per letterOur mailing partner prints and mails your approved letter for $1.83 per letter — USPS First Class only, billed separately from your plan. Nothing is printed or mailed until you review, sign and pay.
- You review and sign every letter before it is sent
- USPS First Class only — no Certified Mail
- Pay per letter, only when you choose it
- Prefer to skip the fee? Download, sign and mail it yourself for free
Print & Mail is now available — your letter is printed and mailed only after you approve and pay.
Household calculator
Pick a plan for you and your spouse — the second plan is always 50% off. Starter ($24.99) is single-person only and has no spouse discount, so it isn't listed here.
Each spouse keeps their own account, credit file and signed agreements. Plans renew monthly until canceled — cancel either account anytime.
Your credit reports can be 100% free
You only pay for the software. Download your free reports from all three bureaus at AnnualCreditReport.com, then upload the PDF.
Refund policy
No score increase on any bureau after 90 days, while following the plan? Eligible clients receive a 100% refund of service fees paid, excluding third-party monitoring costs. Written conditions apply.
Guarantee conditions & how to claimⓘ Pricing & guarantee terms (tap to read)
Plans renew monthly until canceled; cancel anytime from your portal with no fee. Under the Credit Repair Organizations Act (CROA), no fee is charged for credit repair services before those services are fully performed. The 100% guarantee applies to customers who stay continuously enrolled for 90 days, follow the AI Action Plan, keep their account in good standing, and see no score increase on any bureau. "Follow the plan" means completing the dispute steps as prompted and making no changes that work against your own progress — including no new credit inquiries, no new loans, credit cards or financing, no missed payments, and no new negative accounts or collections. Refunds cover service fees paid, not third-party monitoring costs.