Credit repair software pricing
Free to start — no credit card. From there, one flat monthly price for the software: no setup fees, no per-deletion charges, no long-term contract — cancel anytime from your billing page.
Free
$0/mo
- ✓ Upload your credit reports
- ✓ AI report analysis (3 a month)
- ✓ Score tracking
- ✓ One AI strategy plan
Starter
$29/mo
- ✓ 5 dispute letters a month
- ✓ All 3 credit bureaus
- ✓ AI report analysis
- ✓ Email support
Pro
$59/mo
- ✓ 20 dispute letters a month
- ✓ All 3 credit bureaus
- ✓ AI report analysis
- ✓ Letters mailed first-class with tracking
- ✓ AI chat support
- ✓ Priority email support
Premium
$99/mo
- ✓ Everything in Pro
- ✓ 35 dispute letters a month
- ✓ Regenerate your AI strategy up to 20× a month
- ✓ Priority support
Common questions
Is there really a free plan?
Yes — free forever, no credit card required. A free account lets you upload your credit reports, run AI report analysis on up to 3 reports a month, track your self-reported scores, and generate one AI strategy plan. Paid plans are what add dispute rounds and letters we print and mail for you.
Do you charge per deletion or take a cut of results?
No. thecredit is software with a flat subscription. You are never billed based on outcomes, and no outcome is promised — federal law prohibits guaranteeing the removal of accurate information, and we don't.
Can I do this myself for free?
Yes, and you always could: disputing errors directly with the bureaus is free by law. thecredit exists to make that process faster and more organized — AI analysis, drafted letters, first-class mailing with tracking, and deadline tracking. There's also our free letter generator if all you need is one letter.
How do I cancel?
From your account's billing page, anytime, effective at the end of the current billing period. No calls, no retention flows.
Results vary and are not guaranteed. Your rights under CROA