You pay when something comes off.
$0 to start. $49 per item removed, capped at $149 in any month. If nothing is removed, you owe nothing at all.
Repair
Charged only after an item is confirmed gone from every bureau that was reporting it. No setup fee, no first-work fee, no monthly fee for repair, and no contract.
To start
$0
Nothing owed until something comes off.
Per item removed
$49
One charge, once the removal is confirmed.
Monthly cap
$149
Hard ceiling in any calendar month.
Optional monitoring
Credit monitoring is available separately. It is not required for repair work, not bundled with it, and not a plan that includes repair. Cancel it independently at any time.
Your rights
Three business days to cancel.
You may cancel your contract without penalty or obligation within three business days of signing it. That is your right under federal law.
Accurate information stays.
Accurate, current information cannot be removed from a credit report. We will not dispute it, and we will not bill you for trying.
The full statutory notice.
Congress wrote the disclosure at 15 U.S.C. § 1679c. Read your rights under federal law.