Lexington Law charges $99.95 to $139.95 per month. Credit Saint starts at $79.99. Most credit-repair companies bury consumers in setup fees because their cost structure is people, not software. Ours is software, with people in the seats that matter most. That's why our $99.95 Comprehensive plan includes attorney-backed enforcement they can't match.
Start at $99.95 / month · See the comparison
Our backend scans every active client's three-bureau report continuously, looking for the FCRA and FDCPA patterns we already know how to challenge: re-aging, missing original creditor, time-barred reporting, Metro 2 code mismatches, duplicate accounts, post-bankruptcy reporting errors, paid-but-still-reporting collections, dispute-not-investigated responses, and unauthorized hard inquiries. A human reviewer would need an hour per file to catch what the engine surfaces in seconds.
Our proprietary planning engine generates a 14-day rolling schedule for every client: which letters go out, which bureaus need follow-up, when the 30-day FCRA response window closes, when an attorney touchpoint is warranted, when the consumer needs a check-in. The system that used to require a roomful of case managers now runs as a queue.
We maintain 180+ dispute templates tuned to specific violation patterns. The engine matches the right template to the right tradeline, inserts the correct FCRA section citations (§1681i, §1681s-2, §1681e(b)) or FDCPA citations (§1692e, §1692g), and prepares the packet for attorney review or direct mail.
When a bureau responds, when a furnisher misses the statutory clock, when a violation crosses the threshold for legal review, the system pings the client and the assigned advisor at the same instant. No 'I'll get back to you next week.' No queue purgatory.
Automation runs the queue. Humans run the judgment. Every dispute packet, every demand letter, every legal filing is reviewed by a credit advisor or attorney before it leaves the building. Smart Calendar drafts the schedule; the advisor approves it. The engine flags violations; the attorney decides which become claims.
That balance is what lets us undercut Lexington Law on price without undercutting our clients on representation.
Educational only. Legal services provided by independent licensed attorneys. Outcomes and any client recovery vary case by case. No guarantee of credit-score change or loan approval.
Consumers are protected by several federal laws when dealing with credit reporting issues related to attorney-backed credit education pricing:
You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
If they can't prove it, it may not belong on your report. We demand proof of every negative item, get inaccurate ones deleted — and when the law's been broken, our partnered attorneys pursue damages.