Credit repair costs $20 to $200 per month in 2026
Credit repair costs $20 to $200 per month in 2026. BadCredit.org says most firms charge $79 to $99. Experian lists $50 to $150 per month, plus a setup fee of $70 to $200 at some firms. MoneyLion lists Lexington Law at $139.95 per month. The firm you pick, the plan, and whether you add a partner all change the price. Disputing errors yourself costs nothing.
What price guides say
We checked 3 price guides and read every number on their pages on October 7, 2026. They do not all measure the same thing, so read each line for what it counts.
| Source | What it found |
|---|---|
| MoneyLion | MoneyLion lists credit repair firms at about $28 to $200 per month, with Lexington Law at $139.95 and Sky Blue at $79 to $119, and setup fees of $89 to $199 at some firms. |
| BadCredit.org | BadCredit.org lists monthly fees of $20 to $139.95, says most firms charge $79 to $99, and lists Pinnacle and Credit Glory setup fees at $199. |
| Experian | Experian says credit repair firms charge about $50 to $150 per month, with setup fees of $70 to $200 at some firms. |
Credit repair cost by company
| Company | Price | Source |
|---|---|---|
| Credit Versio | $27.95 to $29.95 per month | MoneyLion |
| Credit Firm | $49.99 per month | MoneyLion |
| CreditRepair.com | $49.95 to $119.95 per month | MoneyLion |
| Sky Blue Credit | $79 to $119 per month | MoneyLion |
| The Credit People | $599 flat for six months | MoneyLion |
| Credit Saint | $79.99 to $139.99 per month, plus $99 to $195 setup | MoneyLion |
| Lexington Law | $139.95 per month | BadCredit.org |
| Pinnacle Credit Repair | $99 per month, plus $199 setup | BadCredit.org |
Every number in this table was read on one of the source pages listed at the bottom of this page.
What pushes the price up
| What | Why it matters |
|---|---|
| Monthly plan | Most firms bill each month. MoneyLion lists Sky Blue at $79 to $119, Lexington Law at $139.95, and Credit Versio at $27.95 to $29.95 per month. |
| Setup fee | Some firms charge a setup or first work fee. Experian lists $70 to $200, and MoneyLion lists Credit Saint at $99 to $195. |
| Couples plans | Two people on one plan cost more. MoneyLion lists Sky Blue at $119 to $179 for a couple, against $79 to $119 for one person. |
| Flat plans | A few firms sell a set price. MoneyLion lists The Credit People at $599 flat for six months, which is close to $100 per month. |
| Firm type | Law firm brands often cost more. Lexington Law is $139.95 per month at both MoneyLion and BadCredit.org, above the $79 to $99 where most firms sit. |
What the price includes
A monthly plan covers a review of your credit reports and dispute letters sent to the credit bureaus and creditors. Some plans add extras. Setup or first work fees cost more at some firms. Results are not promised, and a firm cannot remove true items. Experian says federal law bars firms from charging before they do the work. It does not include tax or extras the provider adds on the day.
Who charges this and how it is billed
Credit repair is sold by private companies and some law firms. Most bill each month by card, and the plan runs until you cancel. MoneyLion lists names like Lexington Law, Sky Blue, Credit Saint, and The Credit Pros. Some add a setup or first work fee, which Experian puts at $70 to $200. Experian says federal law bars a firm from collecting fees before it delivers the work. A few sell flat plans, such as The Credit People at $599 for six months. Read the contract and the cancel terms before you pay.
When you need this
Credit repair may help if your report has errors, like a debt that is not yours, a wrong late mark, or an account listed twice. If your report is clean and the marks are true, a paid firm cannot remove them. Check your reports first. If you find errors, you can dispute them yourself for free, or pay a firm to do it for you.
How to judge your quote
- Ask for the monthly fee and the setup fee in writing.
- Make sure the firm does not charge before it does the work.
- Ask how many months a typical plan runs for your case.
- Check that you can cancel at any time with no penalty.
- Compare the total with the range above: $20 to $200 per month for most people in 2026.
Ways to pay less
- Dispute errors yourself. Experian says you can send the same disputes for free that credit repair firms send, so start with your own reports.
- Pick a low cost plan if you need one. BadCredit.org lists Credit Versio at $20 to $29.95 per month, far below the $139.95 for Lexington Law.
- Compare setup fees before you sign. Experian lists them at $70 to $200, and MoneyLion shows Lexington Law at $139.95 with no setup fee listed.
- Use free trial days. MoneyLion says Lexington Law gives a free first 5 to 15 days, so cancel inside that time if the plan is not a fit.
- Cancel when the work is done. You pay each month, so stop the plan once the errors are gone. At $79 to $99 per month, extra months add up.
How we got these numbers
The range on this page comes from MoneyLion, BadCredit.org and Experian. We opened each source page and read every number on it on October 7, 2026. Where the sources disagree, the table above shows each one so you can see the spread. These are planning ranges, not quotes. The written price you are given is the real price.
Common questions
How much does credit repair cost per month?
BadCredit.org says most firms charge $79 to $99 per month. Experian lists $50 to $150. MoneyLion shows a full range of about $28 to $200.
Is there a setup fee?
Some firms charge one. Experian lists setup fees of $70 to $200. BadCredit.org lists Pinnacle Credit Repair and Credit Glory at $199.
How much is Lexington Law?
MoneyLion and BadCredit.org both list Lexington Law at $139.95 per month. MoneyLion says the first 5 to 15 days are free.
Can I fix my credit report for free?
Yes. Experian says you can send the same disputes yourself at no cost. Paid firms use the same legal process.
Can a firm charge before it does the work?
No. Experian says federal law bars upfront charges. A firm can only collect monthly fees after it delivers its services.