{"id":17,"date":"2026-10-08T12:27:21","date_gmt":"2026-10-08T12:27:21","guid":{"rendered":"https:\/\/aicreditcare.com\/blog\/2026\/10\/08\/how-much-does-credit-repair-cost\/"},"modified":"2026-10-28T07:19:03","modified_gmt":"2026-10-28T07:19:03","slug":"how-much-does-credit-repair-cost","status":"publish","type":"post","link":"https:\/\/aicreditcare.com\/blog\/how-much-does-credit-repair-cost\/","title":{"rendered":"How Much Do Credit Services Cost? 2026 Fee Guide"},"content":{"rendered":"\n

Quick answer:<\/strong> Most credit repair companies charge a monthly fee. Among the services whose published prices we checked on 8 October 2026, monthly plans ranged from $79 to $139.99<\/strong>, some added a first work fee of up to $195<\/strong>, and one offered a flat rate of $599 for six months<\/strong>. Doing it yourself costs little or nothing: credit reports are free every week, and disputing errors with the credit bureaus is free.<\/p>\n\n\n\n

Credit repair pricing can be hard to compare. Some companies bill monthly, some charge an upfront “first work” fee, some sell a flat-rate package, and many add credit monitoring or identity features on top. This guide breaks down what you are likely to pay, what the law says about when a company can charge you, and what you can do for free before you spend anything.<\/p>\n\n\n\n

How credit repair companies charge<\/h2>\n\n\n\n

Credit repair pricing usually falls into one of these models. Many companies combine more than one.<\/p>\n\n\n\n

1. Monthly subscription<\/h3>\n\n\n\n

The most common model. You pay a fixed fee each month for as long as the service works on your file, and you can usually cancel at any time. Higher tiers often add more disputes, monitoring of all three bureaus, or extra identity tools.<\/p>\n\n\n\n

2. First work fee<\/h3>\n\n\n\n

Some companies charge a one-time fee for the first round of work, such as reviewing your reports and preparing initial disputes. It is usually billed after that work is done, because federal law does not allow a credit repair company to charge before a service is fully performed.<\/p>\n\n\n\n

3. Flat rate for a set period<\/h3>\n\n\n\n

A few companies sell a package for a fixed period, for example six months, at one price. This can cost less than paying monthly for the same period, but check what happens if you want to stop early.<\/p>\n\n\n\n

4. Annual plans and app-based tools<\/h3>\n\n\n\n

Some app-based services sell a yearly plan, often focused on one bureau, with dispute tools, monitoring and other credit features bundled together.<\/p>\n\n\n\n

Credit repair prices compared (October 2026)<\/h2>\n\n\n\n

These are the prices each company published on its own website when we checked on 8 October 2026. Prices change, so confirm on the company\u2019s site before you sign up.<\/p>\n\n\n\n

Company<\/th>Monthly price<\/th>Upfront or first work fee<\/th>Other options<\/th><\/tr><\/thead>
Credit Saint<\/a><\/td>$79.99, $109.99 or $139.99<\/td>$99 (first two plans), $195 (top plan)<\/td>90-day money-back guarantee listed<\/td><\/tr>
Sky Blue Credit<\/a><\/td>$79, $99 or $119<\/td>None listed<\/td>Couples plans $119 to $179 a month; 90-day refund policy listed<\/td><\/tr>
The Credit People<\/a><\/td>$99 or $119<\/td>None listed<\/td>Flat rate $599 for 6 months<\/td><\/tr>
Dovly<\/a><\/td>Free plan; Premium billed $99.99 a year<\/td>None listed<\/td>Works with TransUnion only<\/td><\/tr>
AI Credit Care<\/a> (our service)<\/td>$89 (Repair) or $129 (Repair + Monitor)<\/td>None; free Analysis plan<\/td>30-day money-back guarantee listed on our pricing page<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/circle><\/path><\/svg>

Compare the total you would pay over the months you expect to need, not just the monthly price. A lower monthly fee with a first work fee can cost more over a short period.<\/p><\/div>\n\n\n\n

What credit repair costs over time: an example<\/h2>\n\n\n\n

Because most plans are monthly, the total depends on how long you stay. Here is a simple illustration using published prices. It is not an estimate of how long your own case will take.<\/p>\n\n\n\n

Plan type<\/th>3 months<\/th>6 months<\/th><\/tr><\/thead>
$99 a month, no first work fee<\/td>$297<\/td>$594<\/td><\/tr>
$79.99 a month plus a $99 first work fee<\/td>$338.97<\/td>$578.94<\/td><\/tr>
$599 flat rate for 6 months<\/td>$599<\/td>$599<\/td><\/tr>
Do it yourself<\/td>About the cost of postage<\/td>About the cost of postage<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

What the law says about credit repair fees<\/h2>\n\n\n\n

Two federal rules decide when a credit repair company can take your money:<\/p>\n\n\n\n