How much does it cost to repair my credit?

It can cost anywhere from $0 to over $100 per month to repair your credit. Depending on your needs and the state of your credit, you could end up paying thousands of dollars to a credit repair company. That being said, there is no need to pay for credit repair services.

Anyone who claims a special ability to “fix” or “clean up” your credit for a fee is probably scamming you. There is nothing any purported credit “repair” service can do that you cannot do yourself for free. Additionally, if the information included on your credit report is correct, there is nothing you can do to remove it, so you definitely should not waste your time and money employing a credit repair company.

Your best bet for repairing your credit is to use the money you would have spent on a credit repair service to catch up on past-due bills and pay down other debts. Using a credit card responsibly can help, too. After all, adding positive information to your credit reports is the only dependable way to repair your credit score. To that end, we also recommend checking out our guide on rebuilding credit as well as signing up for a free WalletHub account to get personalized credit improvement advice.