PRICING

What you pay, and exactly when you pay it

Under the Credit Repair Organizations Act, we're not allowed to collect a fee before agreed-upon services are performed — and we wouldn't want to work any other way.

No fee upfront

You're never charged before we've actually performed the service — that's a legal requirement under CROA, not a courtesy.

Written before you owe anything

Every cost is disclosed in a signed agreement before any work begins — no surprise line items.

Cancel any time

You have the right to cancel within 3 business days of signing with no penalty, and can end services at any point after.

YOUR PROGRAM AT A GLANCE

Our standard pricing

One straightforward program — no tiers to compare, no upsells.

USA-CreditRx ProgramStandard Pricing

Set-Up FeeDue to enroll — nothing charged before this

Initial Work FeeCharged only after your first round of work is completed

$149

Ongoing ServiceBilled monthly while your case is active

$99/mo

Program Length6-month program, then month-to-month

No lock-in

Reflects our standard program. Unusually complex cases are confirmed in writing before anything changes.

WHAT THAT LOOKS LIKE OVER TIME

6 months, then your call

The initial six months covers the core dispute cycle — audits, filings, and follow-up through the bureaus' response windows. After that, it runs month-to-month with no long-term contract, so you keep going only as long as it's useful to you.

No fee charged until your first round of work is done
Same $99/mo rate for as long as your case is open
Cancel after the initial term with no penalty

USA-CreditRx LLC provides credit education and dispute-preparation services in accordance with the Credit Repair Organizations Act (CROA) and Fair Credit Reporting Act (FCRA). You have the right to dispute inaccurate information with the credit bureaus yourself, at no cost. We make no guarantee of specific results, score increases, or removal of any item, and no fee is collected until agreed-upon services have been performed.