Nothing matches that. Try a word straight off the report.
What it costs
That is not a policy we are being generous with. It is federal law, it binds every credit repair company in the country, and a company that asks you for money up front is telling you something important about itself.
CROA 15 U.S.C. 1679b(b). No credit repair organisation may charge or receive any money for a service before that service is fully performed.
Everyone starts here, including people we end up telling not to hire us.
Free
always
The ordinary way people work with us.
$65
per item, invoiced after it has an outcome in writing
Charging for these would give us a reason to do the wrong thing.
$0
no exceptions
Four items disputed. Two came off, one was corrected, one came back verified. You are invoiced for three, because the fourth did not reach an outcome and charging you for it would mean charging you for an envelope.
| Item | What we said was wrong | Result | Charged |
|---|---|---|---|
| An account you did not recognise | Not yours | Deleted | $65 |
| A balance that did not match | Amount wrong | Corrected | $65 |
| A date of last activity two years out | Date wrong | Corrected | $65 |
| A late payment from a bad year | Disputed as unverifiable | Verified as correct | $0 |
| Total, payable after the last result arrived | $195 | ||
If the fourth item had been the only one, the whole engagement would have cost you nothing and we would have told you on the review that it was likely to.
None of these is a favour. Two of them are illegal, and the rest are ways of being paid for activity rather than for outcomes.
Money before performance. Prohibited outright by CROA 1679b(b), with no exception for calling it something else.
Charged before the month's work is done, which is the same problem. It is also how people pay for a year of letters nobody read.
It is free at annualcreditreport.com and always was. Nobody should be charging you for it.
You would be paying for an envelope. The point of charging per outcome is that we stop when there are no outcomes left.
A hundred words is twenty minutes and it is your right under FCRA 611(b). We help and do not bill for it.
If an item is about to age off, or the whole thing is not worth doing, that advice is free and it is the most valuable thing on this page.
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