Pricing
Clear prices, no surprises
One repair plan: $199 per cycle, charged 3 days after that cycle's dispute letters are mailed by certified mail. A cycle is complete when the letters you approved have been mailed certified and we have the proof. Each cycle has its own short agreement, so you're never locked in. There is no prepaid package and no setup fee.
Credit repair cycle
- Education session on your rights
- Review of all three reports
- Item-by-item review with a person
- Factual dispute letters you approve and sign
- USPS Certified Mail to each bureau (postage included)
- Response tracking and a written cycle summary
- Charged 3 calendar days after mailing, only after your 3-business-day cancellation window
Couples / household cycle
- $349 is the combined amount for two adults in the same household, not $349 each
- Each person signs their own agreement and disclosures
- Same work, mailing, and 3-day-after-mailing billing as the individual plan
- If only one person's approved letters are mailed, that person is billed $199 and the other owes nothing for that cycle
- At most 6 household cycles: the most you could pay is $2,094
3-bureau report + monitoring
- Fresh Start Monitoring, powered by SmartCredit
- Your first paid month includes your full 3-bureau report and scores
- Then a new 3-bureau report each month, alerts, and $1 million fraud insurance under SmartCredit's policy
- You sign up and pay on SmartCredit's page. SmartCredit bills it and pays us part of the fee
- Not required for repair; cancel with SmartCredit any time
- No free trial: the price you see is the price
Education and money app
- Credit education, a report reader, and budget and goal tools
- Sold as education and money tools only — not as credit repair
- Free for active repair clients
- Optional after repair if you want to keep the tools
Optional add-ons, billed only after delivery
Each add-on has its own short agreement and its own 3-business-day cancellation window. Neither is required for repair.
Graduation Credit Review
A one-time education review of your file after repair. It is education only: we do not promise a score, a loan, or a timeline, and we do not pay or take payment for a lender referral.
Identity-theft cleanup
Help using your FTC Identity Theft Report from IdentityTheft.gov to request freezes or fraud alerts as you direct, and to prepare and mail client-approved disputes about fraudulent items supported by that report. We cannot start this work without your IdentityTheft.gov report. No promise that any item will be removed.
When you are charged for repair
After your 3-business-day cancellation window, we prepare and mail the letters you approved by certified mail and keep the receipt. A cycle is complete at that mailing. We invoice then, and we charge that cycle's fee 3 calendar days after the mailing date. Tracking and your written cycle summary are included at no extra charge. If mailing proof is missing, there is no charge.
No other repair fees
No setup fee. No monthly repair fee from us. No cancellation fee. If you approve no items in a cycle, there's no charge. If you stop before we mail, you owe nothing for that cycle. If you stop after we mail, that cycle's fee is due 3 days after the mailing date.
Free option
You can dispute errors with each credit bureau yourself, for free. Start with our free report review. We charge for organizing, writing, mailing, and tracking.
Most you can pay us for repair
Each cycle is its own agreement, and you choose whether to do another. The program is limited to 6 cycles within about 180 days of your first agreement. The most you could ever pay us for repair is $1,194 (6 × $199) as an individual, or $2,094 (6 × $349) at the couples / household price. Optional monitoring, the public app, and the add-ons above are separate.
Payments to others: your report and monitoring
Fresh Start Monitoring, powered by SmartCredit: $39.99 today (includes your 3-bureau report and scores), then $39.99 a month until you cancel. It is sold and billed by SmartCredit, which pays Fresh Start Credit Co. part of the fee. It is not required for repair. The $0 alternative: free weekly reports at AnnualCreditReport.com that you upload, or a current 3-bureau report you already have. Fresh Start Monitoring is sold and billed by SmartCredit (ConsumerDirect). SmartCredit pays Fresh Start part of the monthly fee. You don't need it for credit repair: a current 3-bureau report from any source, or free reports from AnnualCreditReport.com ($0), work too.
How you sign up
Only on this website, in the client portal, or in person by appointment in Arnold, Missouri. We never take a sign-up or a card over the phone. If you call in, we'll email a pay link and you enroll online. Our phone line is for questions and support.