Choose the plan that restores your credit.
Every client starts with the same foundation — a full AI audit of your credit profile and
access to your personal dashboard. Then pick the dispute package that matches how
far you need to go.
Credit Report & Platform Access
One-time sign-up that unlocks everything below. We pull your 3-bureau report, run the AI deep audit, and build your personalized action plan inside your client dashboard.
$250
ONE-TIME · WAIVED IF PAID IN FULL
✓ 3-bureau credit report pull
✓ AI deep audit & error scan
✓ Personalized action plan
✓ Client dashboard access
✓ Free strategy consultation
Personal Restoration Packages
Pay monthly over 12 months, or pay in full and we waive the $250 enrollment fee. Every tier includes everything in the tier before it.
Essential
For profiles with a handful of
inaccurate or unverified items.
$21 /mo × 12 · $252 total
or $250 paid in full · enrollment waived (save $252)
monthly plan: plus $250 enrollment
✓ Disputes across all 3 bureaus
✓ Up to 5 negative items per
round
✓ Monthly dispute rounds
✓ Real-time dashboard tracking
✓ Email support
Advantage
For heavier reports that need
broader cleanup and faster
movement.
$33 /mo × 12 · $396 total
or $389 paid in full · enrollment waived (save $257)
monthly plan: plus $250 enrollment
+ Everything in Essential
✓ Up to 10 negative items per
round
✓ Hard inquiry disputes
✓ Personal information cleanup
✓ Priority dispute queue
Accelarated
For complex profiles — collections,
charge-offs, and stubborn
accounts.
$44 /mo × 12 · $528 total
or $520 paid in full · enrollment waived (save $258)
monthly plan: plus $250 enrollment
+ Everything in Advantage
✓ Unlimited items per round
✓ Debt validation letters
✓ Goodwill intervention letters
✓ Dedicated credit advisor
Elite
Full restoration plus a rebuild plan
for long-term score health.
$65 /mo × 12 · $780 total
or $780 paid in full · enrollment waived (save $250)
monthly plan: plus $250 enrollment
+ Everything in Accelerated
✓ Cease & desist handling
✓ Credit-rebuild roadmap
✓ Utilization & habit coaching
✓ 12 months of advisor support
90-Day Money-Back Guarantee
If we don't identify actionable dispute opportunities in your profile within 90 days, your package fee is refunded. No fine print games.
True Credit Advisors AI is a credit education and dispute assistance service. We are not a law firm and do not provide legal advice.
Results are not guaranteed and vary based on individual circumstances. All fees are disclosed before purchase in accordance with
applicable consumer protection laws.