Pricing for TruePoint Credit Repair
No upfront fees. No long-term contracts. We bill only after work is performed, and any performance-based deletion fees are charged only after confirmed results.
First-Work Fee: $99
The first-work fee is a one-time charge that covers your detailed intake and initial dispute work. It is only billed after we perform the services below.
- Full three-bureau credit report review and issue identification
- Custom dispute strategy based on your goals and timeline
- Preparation of the first round of dispute letters to bureaus and/or creditors
- Mailing or submission of that first round of disputes
- Walkthrough of next steps and expectations
Month-to-Month Service Plans
All service plans are month-to-month. You may cancel at any time without penalties, future obligations, or cancellation fees.
Essentials Plan
Ideal for lighter credit clean-up or clients just getting started.
- Bureau disputes approximately every 45 days
- Targeted disputes for clear inaccuracies and outdated items
- Basic creditor and collector challenges where appropriate
- Foundational credit rebuilding guidance
- Email-based support
TruePoint Core
Designed for most Georgia clients, including more complex credit files.
- Ongoing bureau disputes with Experian, Equifax, and TransUnion
- Creditor & collection agency challenges where appropriate
- Public record and bankruptcy reporting strategy
- Monthly progress reviews and strategy adjustments
- Phone and email support
Homebuyer Fast-Track
For clients actively working with a lender or realtor toward a specific purchase or refinance timeline.
- Priority handling of your file and disputes
- Timeline-driven plan aligned with your lender’s goals
- Lender-friendly documentation and updates (with your consent)
- Credit optimization coaching around your target closing date
- Higher-touch communication and check-ins
Performance-Based Deletion Fees
For clients who want a results-tied component, we offer per-deletion fees that are charged only after a deletion is confirmed on the applicable credit bureau.
| Item Type | Per-Deletion Fee (per bureau) |
|---|---|
| Hard inquiry | $25 |
| Late payment | $50 |
| Collection or charge-off | $75 |
| Repossession or foreclosure | $100 |
| Bankruptcy or other public record | $150 |
Deletion fees are billed only after a deletion is reflected on the relevant credit bureau’s report. You are never charged in advance for deletions that have not occurred.
How Our Pricing Stays CROA-Compliant
TruePoint Credit Repair is structured around the Credit Repair Organizations Act (CROA) and related consumer protection laws. That means:
- No upfront fees. We do not charge you before any work is performed.
- No long-term contracts. All plans are month-to-month.
- No cancellation penalties. You may cancel at any time.
- No guarantees of specific results, score changes, or deletions.
- You receive documentation and can see what we send on your behalf, and you always have the right to dispute items directly with the credit bureaus at no cost.