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Client Subscription & Service Pricing

Professional Support for Reviewing and Addressing Eligible Credit-Report Issues

If something on your credit report doesn't look right, you don't have to work through it alone. 123CreditFree helps you review your credit reports, identify potentially inaccurate information, and address eligible items through the dispute process. Before you enroll, here's exactly what it costs and how it works.

Credit File Analysis Workspace
Confidential Client Intake File #CF-842
Tri-Bureau Feed
National Retail Card
Unverified balance discrepancy reported
Reviewing Details
Auto Finance Inquiry
Unrecognized hard inquiry record
Eligible for Dispute
Installment Loan Acct #4920
Historical payment timeline review
Documentation Prepared
SmartCredit Data Connected 123CreditFree Structured Workflow
Clear Pricing Structure

Choose Your Payment Option

New clients begin with the $249 Enrollment Fee. After enrollment, the $139 Required Monthly Renewal keeps your 123CreditFree service active each month.

Your 123CreditFree Service Journey
01
Enroll
$249 Enrollment Fee
02
Begin Service
Dispute Processing + SmartCredit Access
03
Monthly Renewal
$139 Required Monthly Renewal
04
Continue Active Service
Ongoing dispute support + SmartCredit access
New clients begin with the $249 Enrollment Fee. Once enrolled, the $139 Required Monthly Renewal is required each month to keep active 123CreditFree service and continued SmartCredit access.
SmartCredit: Credit report access / credit-report information.
123CreditFree: Credit report review, dispute processing/support, documentation, communication, and progress tracking as applicable.

SmartCredit subscription features, availability, pricing, and terms are subject to the applicable SmartCredit terms. 123CreditFree does not claim an official partnership with SmartCredit. SmartCredit does not perform credit disputes, nor does it guarantee deletions or credit-score increases.

Agreements & Governance

Billing, renewal, and cancellation in plain terms

Please read your Client Agreement before you sign. If anything on this page differs from your agreement, the agreement controls.

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    $249 Enrollment Fee: paid when enrolling as a new client to initiate services.
  • •
    $139 Required Monthly Renewal: due each month to keep your 123CreditFree service active.
  • •
    Two separate payments: paying one doesn't cover the other. Both apply at their respective stages.
  • •
    Service continuation: requires the ongoing monthly renewal to maintain active dispute review and SmartCredit access.
  • •
    Monthly service: recurs monthly while service is active.
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    Cancellation: depends on your Client Agreement. Federal law gives consumers the right to cancel within 3 business days of signing.
  • •
    Refunds: depend on our Refund/Cancellation Policy.
Frequently Asked Questions

Clear answers to your pricing & service questions

Everything you need to know about our fees, policies, and SmartCredit integration before you begin.

It's the Enrollment Fee required when starting your 123CreditFree service as a new client. It includes dispute processing services, access to a SmartCredit credit report subscription as part of your initial setup, client onboarding, credit report review, initial service setup, and documentation and processing support. It's separate from the $139 Required Monthly Renewal.
It is paid once at enrollment when you register as a new client.
Required every month to keep your 123CreditFree service active. Your $139 monthly payment renews your active service for the next billing period. Monthly payment is required to continue receiving ongoing credit-report review, dispute support, progress tracking, client communication, and continued access to the SmartCredit credit report subscription. Service does not continue without this required monthly payment.
No. They are separate payments for different stages of your service. New clients begin with the $249 Enrollment Fee, and ongoing active service requires the $139 Required Monthly Renewal each month.
Yes, every month while your service remains active. Your $139 monthly payment renews active service for each 30-day billing cycle.
SmartCredit is a credit report subscription service. New 123CreditFree clients receive access to a SmartCredit subscription during onboarding. SmartCredit features, availability, pricing, and terms are subject to the applicable SmartCredit terms.
No. SmartCredit provides credit-report access. 123CreditFree provides review, dispute-process assistance, documentation, communication, and progress support, as applicable.
No. Scores depend on many factors, and correcting an item doesn't necessarily change your score. Whether an item is corrected or removed depends on the facts of your file and the responses from the credit bureaus and other parties. Results vary.
Cancellation is governed by your Client Agreement. Federal law gives consumers the right to cancel a credit repair contract for any reason within three business days of signing it. Cancellation and refund terms govern how cancellation affects fees and your SmartCredit subscription.
Consumer Know-Your-Rights

Before you enroll

You have rights when it comes to your credit information. It's worth understanding them before you sign anything, with us or anyone else.

• Read the agreement carefully. Make sure it describes the services, the fees, and any guarantees.
• Understand all fees. Add them up: what you'll pay at enrollment, each month, and at renewal.
• Review the billing terms. Know when each charge occurs.
• Understand the renewal terms. Know what renews, when, and how.
• Review the cancellation provisions. Know how to cancel and what happens to fees.
• Review your credit reports. You can also get free reports at AnnualCreditReport.com at no charge.
This information is general and isn't legal advice.

Ready to Take a Closer Look at Your Credit Reports?

Get professional support, clear pricing, and a structured process for reviewing and addressing eligible credit-report issues.

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Credit report review and dispute assistance for U.S. consumers. We help you understand your credit reports and address eligible issues.

Disclaimer: 123CreditFree does not guarantee the removal of accurate or current information from a consumer report, a specific increase in credit score, or approval for credit or financing. Results vary based on individual circumstances.
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