Plans & Pricing | Credit Education Consultants

Transparent Pricing Models

Whether you prefer a monthly subscription, a one-time flat fee, or pay-per-item pricing, we have a model that fits your budget.

Our monthly subscription model offers a flexible, predictable approach to credit repair with transparent pricing and cancellation options.

Tier 1
$149/mo
3 Items Per Cycle

Best for: Clients with minor or limited issues.

Most Popular
Tier 2
$249/mo
5 Items Per Cycle

Best for: Clients with moderate number of inaccuracies.

Tier 3
$299/mo
7 Items Per Cycle

Best for: Clients with mixed small + moderate issues.

Tier 4
$399/mo
10 Items Per Cycle

Best for: Clients requiring faster progress & higher volume.

How it Works

Definition of a Cycle

One complete round of disputes (30–45 days). Results are reviewed at the end of each cycle.

Deliverables:
  • Itemized disputes submitted
  • Status reporting & review
  • Ongoing Financial Coaching

Billing & Strategy

  • Frequency: Monthly (Cancel anytime)
  • Cost Control: Capped by your selected Tier
Pros

Lower entry cost, predictable billing.

Cons

Item caps may extend timeline for large files.

Is This Model Right for You?

Our monthly subscription model is appropriate for individuals with fewer negative items or who prefer to spread costs over time. It's best suited to clients who value lower upfront financial commitment and are comfortable with a stepwise approach to credit repair.

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Comprehensive Coverage. One Price.

Instead of being limited by item count per cycle, this model covers all negative and inaccurate items on your reports. Work is performed continuously for the selected duration.

Service Structure

  • Unlimited disputes across all 3 bureaus.
  • Escalated support (Validation, Goodwill, Cease & Desist).
  • Includes one-time financial planning coaching.
  • Status updates at regular intervals.

Strategic Advantages

  • No caps on items.
  • Total cost known upfront (no monthly surprises).
  • Encourages faster resolution.
Tier 1
$2,500
3 Months

Best for: Smaller files wanting aggressive short-term action.

Tier 2
$3,200
6 Months

Best for: Moderate/complex files requiring multiple cycles.

Recommended
Tier 3
$3,600
9 Months

Best for: Larger files with moderate/severe derogatories.

Tier 4
$4,200
12 Months

Best for: Comprehensive coverage for heavily damaged files.

Tier 5
$4,800 - $5,000
18 Months

Best for: Highly complex cases (Bankruptcy, Liens, Judgments).

Is This Model Right for You?

The Flat Fee model is ideal for clients who want comprehensive coverage without monthly billing. Best suited for individuals with multiple negative items who prefer a one-time payment and want all items addressed without item count limitations.

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Transactional Control

Clients are charged a fixed per-item fee. Billing occurs only after the dispute is submitted.

  • Transparent pricing.
  • You control the spend.
  • Simple billing process.
Fee Schedule
Basic Errors $25
Wrong address, duplicate accounts, inquiries.
Minor Accounts $75
Late payments, minor balance errors.
Moderate Accounts $125
Collections, charge-offs < $1k.
Complex Accounts $175
Charge-offs > $1k, foreclosures.
Severe/High-Impact $200
Bankruptcies, tax liens, judgments.

Is This Model Right for You?

Pay-per-item is suitable for clients with a limited number of negatives or those who only want specific accounts challenged. Best for individuals seeking transactional control over what is disputed and when. Particularly useful when a client wishes to prioritize high-impact accounts first.

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Additional Services & Upgrades

Initial Setup Fee

Bureau freezes, monitoring linkage, account setup, and 1 personal info correction.

$349 one-time

Monthly Credit Education

Disputes (up to 6 items), monitoring, and monthly progress meeting.

$150 /mo

Specialized Add-ons

Dispute Filing (Extra)

For items in excess of monthly limits.

$25 /item
Credit Score Coaching

One-on-one sessions for improvement.

$50-$150 /session
Debt Negotiation

Negotiating with creditors to lower balances.

$200-$500
Hard Inquiry Removal

Escalated removal of unauthorized inquiries.

$150 /inquiry
Credit Building Plan

Custom plan for building/rebuilding credit.

$300 one-time
Report Corrections

Correcting personal info/mistakes.

$75-$200