Credit Repair Plans & Pricing | Credlocity

Credlocity offers three FCRA-compliant credit repair plans with no upfront fees and a 30-day free trial. All plans are month-to-month with no long-term contracts.

30-Day Free Trial — No Upfront Fees

Under the Credit Repair Organizations Act (CROA, 15 U.S.C. §§ 1679–1679j), no credit repair company may charge before services are performed. Credlocity charges nothing for your first 30 days of service. You receive a written contract, a 3-day right of cancellation, and a full disclosure of your rights before any work begins.

Fraud Intervention Plan — $99.95/month

Best for consumers with targeted negative items — identity theft accounts, specific collections, or a small number of late payments.

• Dispute letters sent to Equifax, Experian, and TransUnion
• Challenges for collections, charge-offs, and late payments
• Identity theft and mixed file account disputes
• Monthly progress report
• FCRA § 1681i verification demands for unverifiable items

Aggressive Repair Plan — $179.95/month

Best for consumers with 10 or more negative items or complex credit profiles — bankruptcies, repossessions, medical debt, multiple collections.

• Everything included in the Fraud Intervention Plan
• High-volume dispute letters across all three bureaus each cycle
• Bureau verification demands under FCRA § 1681i
• Direct original creditor disputes
• Debt validation letters under FDCPA § 1692g
• Bankruptcy challenge strategy (LexisNexis, LCI, PACER Rule 9037)
• Credit rebuild roadmap: secured cards, builder loans, authorized user strategy
• Dedicated account representative

Family Plan — $279.95/month

Best for couples and families — full Aggressive Repair service for two household members at a combined rate.

• Full Aggressive Repair for two people at one address
• Coordinated mortgage qualification strategy
• Couples credit rebuilding guidance
• Combined progress reporting and account management

CROA Compliance — Your Legal Protections

Credlocity is fully compliant with the Credit Repair Organizations Act. Before any services begin, you will receive: (1) a written service agreement, (2) a separate Consumer Credit File Rights disclosure, and (3) a 3-day right of cancellation with no penalty. We are prohibited by law from charging you before work is performed, and we never do.

Frequently Asked Questions

How long does credit repair take?

Most clients see initial results within 30–45 days of the first dispute cycle. Full results typically take 3–6 months depending on the number and type of negative items.

Are there any hidden fees?

No. The monthly plan price is the total cost. No enrollment fees, no cancellation fees, no per-deletion fees.

What happens after I sign up?

Within 48 hours, a Credlocity consultant reviews your credit reports, identifies all disputable items, and prepares your first round of dispute letters.

Do I need to do anything after signing up?

Minimal. You provide your credit report access. We handle all correspondence with bureaus and creditors. You review and sign dispute letters before they are mailed.

Start your free 30-day trial →

Credlocity Business Group LLC — 1500 Chestnut Street, Suite 2, Philadelphia, PA 19102 — FCRA Certified · BCCC · CROA-Compliant