Is there a free trial?

Yes. Every new account starts with a 7-day free trial that gives you full access to upload and analyze credit reports, generate 1 AI dispute letter, and use the score simulator. No credit card required to start.

What is the $39 down payment?

All paid plans require a one-time $39 activation fee that covers account setup, initial credit report analysis, and your first dispute package preparation. This is a one-time charge, not recurring.

Can I change plans at any time?

Yes. You can upgrade or downgrade at any time. When upgrading, you get immediate access to the new features. When downgrading, your current plan continues through the end of the billing period.

Do you offer annual discounts?

Yes. Annual plans save roughly 17% compared to monthly billing. Builder is $280/year ($23.33/mo), Pro is $490/year ($40.83/mo), and Enterprise is $1,490/year ($124.17/mo).

What is the 90-Day Removal Guarantee?

If we don't get at least one negative item removed or modified within 90 days of your paid subscription, we refund your subscription payments. This applies to all paid plans.

How does Sue Smart pricing work?

Sue Smart has no upfront filing fee. We only get paid when you win. Pro plan: 25% of recovered damages. Enterprise: 20%. If you win $3,000 from a credit bureau, we keep $750 (Pro) or $600 (Enterprise). If you don't win, you pay nothing for Sue Smart. The filing fees ($50-$225) are still your responsibility.

Pricing · 90-Day Removal Guarantee

Simple, transparent pricing.

Credit repair plans from $28/mo. No hidden fees. Start with a free 7-day trial.

Estimate your cost

Plug in your situation. See your number.

Three quick questions and we'll show you the full breakdown — subscription, add-ons, contingency fees, and 12-month cost. No login required.

Subscription plans

Pick a plan. Cancel anytime.

All plans include the 90-day removal guarantee and a 7-day free trial. Stripe handles one-click subscriptions; Denefits offers credit-building installments on add-ons $300+.

Builder

Credit repair essentials

$28 /month

+ $39 one-time down payment

5 AI dispute letters/month
Disputes to bureaus, creditors & collectors
Certified mail: $9.99/letter
Score estimator + simulator
Upload & analyze credit reports

Start 7-Day Trial — $39

Best for individuals starting credit repair

Pro

Unlimited disputes + Sue Smart

$49 /month

+ $39 one-time down payment

Unlimited AI dispute letters
3 certified mails/month included
Sue Smart — no upfront cost (25% winning fee)

Start 7-Day Trial — $39

Most popular — disputes + legal action

Enterprise

For teams & agencies

$149 /month

+ $39 one-time down payment

Everything in Pro
15 certified mails/month included
Sue Smart — 20% winning fee
API access + 10 team members

Talk to Sales

Dedicated onboarding included

For agencies managing multiple clients

90-Day Removal Guarantee

30-Day Money-Back Guarantee

7-day free trial · No credit card required to start

Compare plans

Every feature, side by side.

See exactly what you get with each plan — limits, included credits, and fees.

Feature	Builder$28/mo	Pro$49/mo	Enterprise$149/mo
AI Dispute Letters	5/month	Unlimited	Unlimited
Disputes To	Bureaus, Creditors, Collectors	Bureaus, Creditors, Collectors	Bureaus, Creditors, Collectors
Credit Builder Tradeline
Equifax Reporting
Score Simulator
Certified Mail Included		3/month	15/month
Certified Mail Rate	$9.99/letter	$7.99/letter	$5.99/letter
Sue Smart (FCRA Lawsuits)		25% winning fee	20% winning fee
API Access
Team Members	1	1	10
90-Day Removal Guarantee

Credit builder

Calculate your credit-line payments.

Pick a credit line from $300 to $99,000. Every payment reports to Equifax. Separate from your monthly subscription.

Add-on services

Litigation add-ons — pay upfront or in installments.

From certified-mail disputes to the full default-judgment packet. Every add-on can be paid one-time via Stripe; Denefits offers credit-building installments on amounts $300+.

Full Dispute Package

$35 /dispute

Demand letter generated by AI, printed, and sent via USPS certified mail with tracking to bureau, creditor, or collector.

Proof of Service

$25 /package

Court-ready proof of service document — evidence of all letters sent.

Complete Filing Packet

$99 one-time

Pre-filled small-claims complaint, civil cover sheet, summons, fee waiver (if eligible), and filing instructions for your state.

Installments available · Denefits

Default Judgment Packet

$149 one-time

Request for Entry of Default (CIV-100), Declaration of Amount Due, Memorandum of Costs, and Proposed Judgment (JUD-100).

Installments available · Denefits

Service Coordination

$75 per defendant

We coordinate with a registered process server in your county. Up to 3 service attempts + POS-010 generated from the server declaration.

Installments available · Denefits

Abstract of Judgment

$49 one-time

Secure your judgment against real property. EJ-001 prepared + County Recorder fee + certified-mail delivery.

Writ of Execution

$99 one-time

Convert judgment to collection. Writ of Execution (EJ-130) with daily interest accrual and sheriff instruction packet.

Installments available · Denefits

Verified outcomes

Real disputes. Real removals. Real damages collected.

Self-represented consumers using 28Solutio to enforce their FCRA and FDCPA rights — with the legal-framework receipts.

“Got 4 negative items removed and a $25K credit line in one month. The dispute letters cited specific FCRA violations I never would have found.”

Sarah C.

Business Owner · Sacramento, CA

4 items removed