How Much Does Credit Repair Cost?
Credit repair companies in 2026 typically charge between $79 and $149 per month. Credlocity offers a 30-day free trial with no upfront service fee and charges $99 per month after the trial period. The FTC enforces the Credit Repair Organizations Act (CROA), which prohibits any credit repair company from charging upfront fees before services are performed. The CFPB also accepts complaints against companies that violate these rules.
Average Credit Repair Costs in 2026
What You Should Get for Your Money
Credit Repair Company Pricing Comparison
Red Flags When Choosing a Credit Repair Company
Frequently Asked Questions
How much does credit repair cost?
Credit repair typically costs $79-$149 per month for professional services. Most companies also charge a setup or first-work fee of $0-$200. Credlocity charges $99/month after a 30-day free trial with no first work fee and no setup fee. The only required costs are a credit report analysis ($49.95) and power of attorney notarization ($39.95) to authorize us to dispute on your behalf.
Is credit repair worth the cost?
Yes, in most cases. If credit repair improves your score enough to qualify for a better mortgage rate, the savings dwarf the cost. Even a 0.5% reduction in your mortgage rate saves $27,000 over a 30-year loan on a $300,000 mortgage. For auto loans, personal loans, and credit card rates, improved scores also produce significant savings. The ROI is typically 10:1 or higher for people with significant negative items.
Can you do credit repair for free?
Yes, you can dispute credit report errors for free directly with Equifax, Experian, and TransUnion under FCRA Section 611. You can also send pay-for-delete letters, goodwill letters, and debt validation letters yourself using free templates. However, professional credit repair services save time, have expertise in FCRA and FDCPA law, and often achieve better results through their knowledge of creditor and bureau processes.
Are there red flags in credit repair pricing?
Yes. Avoid companies that: (1) charge large upfront fees before doing any work (illegal under the Credit Repair Organizations Act for most services); (2) guarantee specific score improvements or removal of accurate information; (3) suggest you dispute all negative items regardless of accuracy; (4) ask you to create a new credit identity (illegal); (5) have no physical address or unclear contact information.
What does Credlocity charge?
Credlocity charges $99/month for credit repair service, with a 30-day free trial (credit card required but not charged for service fee). Required costs: $49.95 credit report analysis and $39.95 e-notary for power of attorney. No first work fee, no setup fee, cancel anytime, 180-day money-back guarantee.