No Setup Fees
It costs $0 simply to become a Pay After Deletion™ client.
There is no enrollment fee, activation fee, or setup fee just for getting started.
CREDIT REPAIR PRICING
Credit Repair Pricing With No Setup Fees or Monthly Fees
Pay for the Work We Perform and Qualifying Deletions. Not the Calendar.
At Pay After Deletion™, we don't charge you simply to become a client, and we don't bill you month after month just because time has passed.
Instead, our pricing is built around the actual credit-repair work we perform and qualifying deletions.
No Setup Fees. No Monthly Fees. Here's How Our Credit Repair Pricing Works.
Credit repair isn't free, and we don't pretend it is.
We simply believe you should understand what you're paying for and why.
No Monthly Credit Repair Fees
We don't charge another credit-repair service fee simply because another month has passed.
A dispute cycle commonly takes 45–60 days and sometimes longer.
Waiting for results does not automatically create another cycle fee.
Work and Per-Item Deletions
Our pricing consists of a dispute-cycle fee for the work performed and a separate per-item deletion fee for each qualifying deletion.
Deletions are counted separately for each credit bureau.
A dispute cycle is a defined round of credit-repair work, not another month on the calendar.
Choose the Pricing Option That Works Best for You
All three options use the same credit-repair process.
The difference is how the first dispute-cycle fee and the per-item deletion fee are structured.
Choose the option that best fits your situation and the number of deletions you anticipate.
What Would Each Pricing Option Cost?
The number of deletions makes a difference in which pricing option may work best for you.
The following examples show the first dispute-cycle fee plus the applicable per-item deletion fees.
| Deletions | $49 + $100 | $79 + $55 | $125 + $35 |
|---|---|---|---|
| 0 | $49 | $79 | $125 |
| 1 | $149 | $134 | $160 |
| 2 | $249 | $189 | $195 |
| 3 | $349 | $244 | $230 |
| 4 | $449 | $299 | $265 |
| 5 | $549 | $354 | $300 |
These are pricing examples, not predictions of results.
Each total includes one first dispute-cycle fee and the stated number of chargeable deletions.
Additional dispute-cycle fees and third-party expenses are not included.
Deletions may occur during different dispute cycles.
No particular number of deletions is guaranteed.
What Counts as a Deletion?
A deletion does not always mean an entire account disappears from a credit report.
For billing purposes, a deletion can include the following.
Account Deleted
An account being addressed is removed from a credit bureau report.
This can include negative accounts or other accounts the client specifically instructs us to address.
Negative Reporting Deleted
The account remains on the credit report, but the negative information being addressed is removed.
For example, a reported late payment may be removed while the underlying account remains on the credit report.
Name Deleted
A name, misspelling, or name variation being addressed is removed from a credit bureau report.
Address Deleted
An address being addressed is removed from a credit bureau report.
Inquiry Deleted
An inquiry being addressed is removed from a credit bureau report.
We disclose to clients that inquiries naturally age and eventually fall off credit reports, so we generally do not recommend making inquiry removal a priority. However, some clients still choose to have inquiries addressed for their own reasons.
When an inquiry being addressed is deleted, it counts as a deletion.
How We Count Deletions
Deletions are counted per item, per credit bureau, when they occur.
Each bureau is counted separately.
One Account Deleted From Two Bureaus
An account being addressed is deleted from Equifax.
That is one deletion.
That same account is later deleted from TransUnion.
That is another deletion.
Total: Two chargeable deletions.
The Account Stays, but the Negative Reporting Is Deleted
An account remains on Experian, but the negative late-payment reporting being addressed is deleted.
The account itself does not have to disappear.
Total: One chargeable deletion.
Deletions Occur During Different Cycles
An account is deleted from Equifax during the first dispute cycle.
It remains on Experian and TransUnion.
Several dispute cycles later, the same account is deleted from Experian and TransUnion.
Each deletion is counted when it occurs on the applicable bureau's report.
The three deletions are not required to occur during the same dispute cycle.
One Dispute Cycle, From Start to Finish
Your dispute-cycle fee covers a defined round of credit-repair work, not a month of service.
Here's what that looks like.
1
Choose Your Dispute Cycle Option
Select the pricing option that best fits your situation.
2
Review & Create
We review your credit information and create personalized dispute letters using our Three I's Process to identify information that may be Inaccurate, Inconsistent, or Incomplete.
3
Receive Your Dispute Package
We email your completed dispute package along with detailed instructions. You review and sign your letters and mail them by certified mail.
4
Wait for Responses
Creditors and credit bureaus need time to receive, investigate, and respond to disputes. Most cycles take approximately 45–60 days and sometimes longer.
Waiting is part of the cycle, not another cycle.
5
Review Audit & Deletions
Once the response period has passed and updated credit information is available, we perform a Review Audit. We compare the updated reporting, identify qualifying deletions, and determine the applicable per-item deletion fees.
Frequently Asked Pricing Questions
Is the first dispute-cycle fee a setup fee?
No. We do not charge a fee simply to become a customer.
The first dispute-cycle fee is associated with the actual credit-repair work performed during your first authorized dispute cycle.
Do I pay every month?
No. Pay After Deletion™ does not charge recurring monthly credit-repair service fees.
A dispute cycle may take 45–60 days or longer.
Time passing does not automatically create another cycle fee.
What if nothing is deleted?
If there are no qualifying deletions, there are no per-item deletion fees for that period.
The applicable dispute-cycle fee remains separate from per-item deletion fees.
What if an account stays on my report but the late payments are deleted?
If the negative reporting being addressed is deleted, it can count as a deletion.
The entire account does not have to disappear.
What if the same item is deleted from different credit bureaus at different times?
Each bureau-level deletion is counted separately when it occurs.
Deletions do not have to happen during the same dispute cycle.
What if a deletion occurs for a reason unrelated to your dispute?
Once enrolled, a qualifying deletion is chargeable when it appears on the applicable credit report, regardless of exactly how or why the deletion occurred.
The applicable fee is based on the deletion appearing on the credit bureau report for an included item, subject to the service agreement.
Do I have to continue after my first dispute cycle?
No.
You decide whether to stop, wait, or authorize another cycle.
Additional cycles do not begin automatically.
Are there any third-party expenses?
There may be separate expenses for three-bureau credit monitoring, certified mail, and postage.
These are not Pay After Deletion™ credit-repair service fees.
Any recurring charge from a third-party monitoring provider is separate from our no-monthly-fee credit-repair service model.
Not Ready to Start?
If you're not ready to choose a dispute-cycle option, you can request our FREE Three I's Credit Analysis.
We'll review your available credit information for potentially Inaccurate, Inconsistent, and Incomplete reporting.
You can review the findings before deciding whether to move forward.
The analysis is optional and does not require you to enroll in credit repair.
Access to current credit-report information may involve separate third-party monitoring expenses.
REQUEST MY FREE ANALYSISReady to Get Started?
Choose the pricing option that works best for you.
No setup fees.
No monthly credit-repair service fees.
You choose your dispute cycles.
You pay for the dispute-cycle work performed and qualifying deletions under your agreement.
CHOOSE MY PRICING OPTIONCredit-report situations vary. No specific deletions, corrections, credit-score increases, number of cycles, timeframes, or outcomes are guaranteed.