Credit Repair Plans — Fix Bad Credit Starting at $79/mo
No hidden fees. No long-term contracts. Choose the level of service that fits your situation and start seeing results.
90-Day Guarantee — or your money back
📋 Report has errors or old accounts?
Start with a Monthly Plan below — our dispute process is built for exactly this.
📈 Clean report, but score still low?
Jump to the Score Optimization Plan ↓ — built for utilization and rebuild, not disputes.
Your Monthly Plan Isn't Just Disputes. It's a Full Credit Strategy.
Most credit report items are accurate — and we'll always tell you the truth about that. Every plan pairs active dispute management on what's inaccurate or unverifiable with a rebuild strategy running the entire time.
Getting your file accurate and your foundation in place — a full three-bureau review, dispute rounds on verifiable errors, and a credit-building roadmap from day one.
- Bureau dispute submissions (all 3)
- Free credit report analysis
- 24/7 client portal access
- Monthly Credit Wins email
- Rent reporting (option available)
- Goal-based credit strategy
- Credit Builder loan referrals
- Access to Educational Content
Active dispute management plus a hands-on rebuild plan — faster round cadence on every case.
- Bureau dispute submissions (all 3)
- Free credit report analysis
- 24/7 client portal access
- Monthly Credit Wins text + email
- Rent reporting (option available)
- Goal-based credit strategy
- Credit Builder loan referrals
- Access to Educational Content
- Priority dispute processing
In compliance with the Credit Repair Organizations Act (CROA), CreditGM does not charge any fees before services are fully performed. You are never billed until work has been completed on your behalf. No setup fees. No enrollment fees. No exceptions.
Your 6-Month Journey
Real credit repair isn't instant — it follows the actual timing of bureau response windows and how long new credit takes to season. Here's what that looks like in practice.
This timeline benefits you as much as it benefits us — staying through the full arc means every round builds on the last, instead of restarting from scratch.
Side-by-Side Breakdown
| Feature | Starter $79/mo |
Standard $129/mo |
Premium $149/mo |
|---|---|---|---|
| Bureau Dispute Submissions | ✓ | ✓ | ✓ |
| Free Credit Report Analysis | ✓ | ✓ | ✓ |
| 24/7 Client Portal | ✓ | ✓ | ✓ |
| Rent Reporting | Optional | Optional | Optional |
| Monthly Credit Wins Update | Text + Email | Text + Email | |
| Goal-Based Credit Strategy | ✓ | ✓ | ✓ |
| Priority Processing | — | ✓ | ✓ |
| Credit Builder Referrals | ✓ | ✓ | ✓ |
| Method of Verification Requests | — | — | ✓ |
| Advanced Dispute Strategies | — | — | ✓ |
| Access to Educational Content | ✓ | ✓ | ✓ |
Targeted Solutions for Specific Goals
Not every situation fits a monthly plan. These focused packages are built for clients with specific, high-stakes financial goals.
Pay only when items are successfully removed. Built for skeptical clients who want proof before committing.
- No upfront fee
- Pay only on confirmed removals
- $75 per deletion, per bureau
- Full dispute service included
- Client portal access
Premium package for clients actively working toward a home loan.
- Targeted mortgage score optimization
- Rapid rescore coordination
- Lender-ready credit profile
- Priority specialist access
For clients with few or no report errors, but a score held back by utilization, thin history, or credit mix. No disputes needed — just a rebuild strategy.
- Utilization paydown coaching & timing
- Credit mix & tradeline strategy
- Rapid rescore coordination
- Inquiry management guidance
- Monthly progress check-ins
Our 90-Day Guarantee
We stand behind our work. If we are unable to get at least one negative or derogatory item — such as a late payment, collection, charge-off, judgment, or bankruptcy — removed from your credit report with at least one credit bureau within your first 90 days of service, we will refund the service fees you paid during that period.
This guarantee applies to our Starter, Standard, Premium, and Mortgage Ready plans. It does not apply to the Pay Per Deletion plan, since that plan already only charges you for items that are actually removed. Corrections to personal information, such as an inaccurate address or name, are valuable work we perform on your behalf but do not by themselves count toward this guarantee, since they do not directly affect your credit score.
This is not a promise about your credit score or a specific number of points. No legitimate credit repair company can guarantee a score increase, and we never will. What we can guarantee is that we will do real, effective dispute work on your behalf — and if we don't deliver at least one result on a negative item in 90 days, you shouldn't have to pay for it.
Need a Break? Pause, Don't Cancel.
We understand that financial circumstances can change. If you need to pause your CreditGM service, just contact us before your next billing date — no fees, no penalty, no awkward conversation required.
While your account is paused, no active dispute work is being performed, and your 90-Day Guarantee period pauses as well, resuming once your service does. Your overall program length extends by the amount of time you were paused, so you never lose the work you've already paid for.
When you're ready, just let us know and we'll pick up right where we left off.
Boost Your Results
Layer on additional services to accelerate your credit journey and maximize your score faster.
Real-time alerts for new accounts, score changes, and suspicious activity across all three bureaus. Keeps you protected and informed even after disputes are complete.
We connect you with credit builder loans and secured cards that accelerate score growth — at no cost to you.
Report on-time rent payments to all three bureaus every month — a powerful way to build positive payment history. Sign up via our partner →
Built to Keep You Winning
Every CreditGM plan comes loaded with tools and support designed for real, lasting results.
24/7 access to your credit score, dispute status, and account activity — all in one place.
A personalized text or email each month celebrating your progress and outlining your next steps.
Available as an optional add-on for any plan — report your on-time rent payments to all three bureaus every month, building your score passively. Learn more →
Your data is fully protected and never sold. Legally compliant dispute process from start to finish.
Ready to Take Control of Your Credit?
Our specialists are standing by. Get your free credit analysis — no obligation, no pressure.
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