How Much Does
Credit Repair Cost?
The honest answer — what different options cost, what to watch out for, and why A+ starts with a completely free strategy call.
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The Real Cost of Bad Credit
Bad credit doesn't just feel bad — it costs real money every year. Here's what poor credit actually costs you.
Estimates based on typical market rates. Individual situations vary.
Your Rights Under Federal Law (CROA)
The Credit Repair Organizations Act protects you. Any credit repair company must:
A+ Emergency Credit Repair is fully CROA compliant.
Common Questions
How much does credit repair cost?
Most companies charge $79–$149/month. A+ Emergency Credit Repair starts with a completely free strategy call — full 3-bureau analysis and personalized roadmap at no charge. Pricing for the done-for-you service is discussed on the call.
Is credit repair worth the cost?
For most people, yes. A single percentage point difference on a 30-year mortgage can cost $80,000–$120,000 in extra interest. Fixing your credit before a major purchase is often one of the highest-ROI financial moves you can make.
Can I do credit repair myself for free?
Yes — you have the legal right to dispute inaccurate items yourself at no cost. However, the process requires knowing which items to dispute, how to write effective letters, and how to follow up with each bureau. A professional service handles all of this for you.
What should I watch out for when paying for credit repair?
Avoid any company that charges upfront fees before services are performed, guarantees specific score increases, or advises you to dispute accurate information. All three are violations of the Credit Repair Organizations Act (CROA).
Start for free — no obligation
The strategy call is completely free. You get a full 3-bureau analysis and personalized roadmap before you pay anything.
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