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Most credit repair companies sell tiered plans with setup fees, and the cheapest advertised price often excludes the actual repair work. CreditFirm is the exception in this category: one monthly price, no upfront fees, and the full service included. This guide breaks down exactly what the $49.99/month Individual plan and the $89.99/month Couples plan include, what you will never be charged for, and how the pricing compares to the competition.
The two plans
| Individual | Couples | |
|---|---|---|
| Monthly price | $49.99 | $89.99 |
| Who it fits | One person working on their credit | Two people (spouses, partners) repairing credit at the same time, for example before a mortgage application |
| Savings | – | Roughly $10/month versus two individual plans |
CreditFirm’s own FAQ states the pricing plainly: “$49.99 a month for 1 person, $89.99 a month for 2 people (Save $10 a month)” (CreditFirm FAQ). The couples plan includes everything in the individual plan, with two credit profiles managed under one membership (BadCredit.org).
There is no third tier, no premium upsell, and no a la carte menu. Everyone gets the same service.
What is included at that price
For the flat monthly fee, CreditFirm lists the following, with no stated limits on any of them (BadCredit.org ; TopConsumerReviews):
- Personal credit consultant. A named point of contact rather than a call center queue.
- Online portal access. Where you track disputes and progress.
- Legal in-depth credit audit. A review of your reports to identify what can be challenged. The company was founded by attorneys specializing in consumer credit and FCRA work and has operated since 1997 (TopConsumerReviews).
- Unlimited credit bureau challenges. Disputes filed with Equifax, Experian, and TransUnion over items that appear inaccurate, incomplete, or unverifiable.
- Unlimited procedural compliance verification. Follow-up challenges asking bureaus to document that they followed proper investigation procedures.
- Unlimited inquiry challenges. Challenges to hard inquiries on your reports.
- Unlimited personal information variation challenges. Corrections to name, address, and employer variations that can fragment your file.
- Unlimited goodwill interventions. Requests asking creditors to remove a negative mark as a courtesy, typically a one-time late payment on an otherwise clean account. Creditors are never obligated to agree.
- Unlimited debt validation. Demands that collectors prove a debt is yours and the amount is correct, your right under the Fair Debt Collection Practices Act.
- Unlimited escalated information requests. Deeper documentation requests when standard challenges do not resolve an item.
- Cancel anytime. No cancellation fee.
A note on the word “unlimited”: it means the plan sets no stated monthly limit on the number of challenges, not that every challenge succeeds. No company can force a bureau, creditor, or collector to rule in your favor, and CreditFirm’s own FAQ says its services are not guaranteed (CreditFirm FAQ).
What you do NOT pay
This is where CreditFirm separates from most of the industry. Per the company’s FAQ, there are no additional fees of any kind: no consultation fee, no credit report fees, no cancellation fees, and no fees for additional services (CreditFirm FAQ).
Just as important is the billing timing. CreditFirm states that it does not accept payment in advance: all fees are charged in arrears for services already rendered. That is exactly what the Credit Repair Organizations Act requires. Under federal law, it is illegal for a credit repair company to charge you before it helps you, and the FTC lists upfront fees as one of the clearest signs of a credit repair scam (FTC).
So the full cost picture for one person is genuinely simple: $0 to start, $49.99 per month after work begins, $0 to leave.
How it compares
CreditFirm is the lowest confirmed price point in the category. For context, here is what comparable competitors charge, per current third-party reviews:
| Company | Repair plan | Upfront fee | 6-month illustrative total |
|---|---|---|---|
| CreditFirm (Individual) | $49.99/month | None | $299.94 |
| The Credit Pros (Prosperity) | $129/month | $129 first work fee | $903 |
| The Credit Pros (Success Plus) | $149/month | $149 first work fee | $1,043 |
| The Credit People (Standard) | $99/month | None | $594 |
| The Credit People (Premium) | $119/month | None | $714 |
| The Credit People (Premium Flat Rate) | $599 one-time for 6 months | Included | $599 |
Sources: TopConsumerReviews on CreditFirm ; TopConsumerReviews on The Credit Pros ; Fortunly on The Credit Pros. The 6-month totals assume the monthly fee is charged every month with any first work fee charged once, and no discounts or refunds. Always confirm current pricing on the company’s own site before enrolling.
Two caveats worth stating. First, a lower price is not automatically the better value: competitors bundle extras like credit monitoring, budgeting tools, and credit-builder tradelines that CreditFirm does not offer. If you want those, you will pay more for them elsewhere. Second, The Credit Pros’ cheapest advertised plan ($69/month Money Management) is not a repair plan at all; it covers building tools only (MoneyLion).
How to start: the free consultation
CreditFirm starts every engagement with a free consultation. Here is what to expect and how to prepare:
- Pull your own reports first. Get all three from AnnualCreditReport.com (AnnualCreditReport.com), the only federally authorized source for free reports. Walking in with your reports lets the consultant give you a real assessment instead of generalities.
- List your negative items. Note which collections, late payments, charge-offs, or errors appear on which bureau’s report, and any details that look wrong.
- Have your questions ready. Ask what work they would do in the first 30 to 60 days, how they handle items that come back verified, and how cancellation works. Their answers should match what is on this page.
- Expect no pressure to decide on the call. The consultation is free, and enrollment is your decision. A legitimate company will not use the call to manufacture urgency.
The consultation costs nothing and creates no obligation. If you enroll afterward, the first charge comes only after services have been performed, billed in arrears.
Frequently asked questions
Is there a contract?
Yes. Federal law requires credit repair companies to give you a detailed written contract before doing any work, explaining your legal rights, including your three-day right to cancel without any charge, and the total cost of services (FTC). Read it before you sign anything.
Can I cancel?
Yes, at any time, with no cancellation fee (CreditFirm FAQ).
How long until I see results?
CreditFirm’s FAQ says to allow at least 90 days to see a significant increase in your credit score, because bureaus and furnishers get specific timeframes to complete each investigation: 30 to 45 days for a bureau dispute, 30 days for debt validation, and so on. Treat that as a typical range, not a promise. Results vary by situation, and no company can guarantee an outcome (CreditFirm FAQ).
Does the couples plan fully cover two people?
Yes. Both people get the full service, with two credit profiles managed under one $89.99/month membership. It is aimed at partners repairing credit together, for example ahead of a joint mortgage application (BadCredit.org).
Is the consultation really free?
Yes. There is no consultation fee, and you pay nothing until services have been rendered. Only confirmed enrollments generate any payment to CreditFirm at all; the free consultation costs you nothing either way.
Can CreditFirm remove accurate negative items?
No, and neither can anyone else. Accurate, up-to-date negative information cannot legally be removed by any company, no matter what its ads promise (FTC). What a service can challenge is information that is inaccurate, incomplete, or unverifiable.
This guide is educational, not financial or legal advice. Pricing and plan details change; verify current terms on the company’s site before enrolling.