Transparent Subscription & Service Pricing

Straightforward, Upfront Pricing With No Surprise Fees

If something on your credit profile doesn't look right, you shouldn't have to guess what resolving it costs. Here is an honest, line-by-line breakdown of our setup, monthly retention, and advanced dispute services before you sign anything.

Your Credit Service Journey

Enroll $149 Enrollment Fee

Begin Service File Audit & Initial Dispute Setup

Monthly Renewal $79/mo Keeps Service Active

Ongoing Resolution Continuous Bureau Updates & Strategy

Clear Pricing Structure

Choose Your Payment Plan

New clients begin with the $149 Enrollment Fee. Afterward, renewal maintains active dispute representation each cycle.

Monthly Annually Save 15%

New Client Enrollment

$149 one-time

Enrollment Setup

Initiate your file audit

The required intake fee to establish your consumer account, run our forensic credit report audit, and prepare your initial formal dispute package.

Dedicated Client Onboarding
Complete Tri-Bureau File Review
Initial Dispute Processing
Formal Consumer Service Agreement
Free Dispute Package Certified Mailing

Standard Active Service

$79 / month

Service Renewal

Maintains active case handling

Billed following your enrollment. Keeps your dispute timeline moving forward through follow-up cycles and creditor interventions.

Next-Round Bureau Processing
Monthly File Review & Progress Tracking
Statutory 30-Day Window Monitoring
Dispute Strategy Adjustments
Direct Client Support & Communication

Escalated Handling

$99 / month

Pro Plan Subscription

Escalations & regulatory filings

For complex cases featuring uncooperative collection entities, mixed bureau files, or furnisher non-compliance requiring formal oversight complaints.

Everything in Standard Renewal
CFPB Escalation Complaint Drafting
BBB & State AG Complaint Filing
Furnisher Direct Method of Verification (MOV)
Priority Case Handling

Credit Monitoring Scope: Provides ongoing raw credit report access and alert information from Equifax, Experian, and TransUnion.

Avniarc Dispute Scope: Credit report auditing, factual dispute preparation, furnisher communications, and progress tracking as defined in your agreement.

Avniarc operates in compliance with the Credit Repair Organizations Act (CROA). We do not guarantee specific credit score increases or the deletion of verified, accurate information.

Agreements & Governance

Billing, Renewal, and Cancellation in Plain Terms

Please read your Client Agreement before signing. If anything on this summary page differs from your formal agreement, the written agreement controls.

$149 Enrollment Fee: Paid when enrolling as a new client to initiate services, run intake audits, and prepare dispute rounds.
$79 Monthly Renewal: Due each billing month to keep your dispute service and active file management active.
Two separate payment stages: Paying the enrollment fee initiates onboarding; the recurring monthly fee covers active ongoing dispute representation.
Service continuation: Maintaining the monthly renewal is required for uninterrupted case tracking and scheduled bureau mailings.
Cancellation rights: Under federal law, consumers have the legal right to cancel their credit repair contract within 3 business days of signing without penalty.
Refunds: Managed transparently in accordance with our documented Refund and Cancellation Policy.

View Terms of Service View Refund Policy View Privacy Policy

Frequently Asked Questions

Clear Answers to Your Pricing & Service Questions

Everything you need to know about our fees, timelines, and dispute policies before you begin.

The enrollment fee covers our thorough onboarding process: retrieving and reviewing your full three-bureau credit reports, categorizing errors or violations, creating your personalized dispute strategy, and drafting your initial round of dispute letters.

It is charged upon signing your client agreement and initiating formal account setup, in full compliance with the Credit Repair Organizations Act (CROA).

Credit investigations require ongoing monitoring and iterative responses. The $79 renewal fee covers continuous tracking of bureau investigation windows, reviewing updated reports, and drafting subsequent rounds of dispute or escalation letters.

No. The $149 enrollment fee covers initial file ingestion, setup, and first-round drafting. The $79 fee covers ongoing service in each subsequent month that you choose to keep your case active.

Yes, it recurs monthly as long as your service remains active. You can cancel at any time with straightforward written notice according to the terms of your agreement.

Credit monitoring allows us to track bureau updates and see changes without triggering hard inquiries that could impact your score. It provides the source data we need to verify whether bureaus have updated or deleted disputed accounts.

No. Credit monitoring platforms only display report data. Our team conducts the line-by-line analysis, identifies statutory violations, prepares custom evidence-based packages, and manages communications.

No reputable company can legally guarantee score outcomes. Under federal law (CROA), guaranteeing a specific score increase is illegal. What we do guarantee is thorough auditing and lawful, evidence-backed disputes for eligible inaccuracies.

You can cancel at any time. When you cancel, future monthly billing ceases immediately, active dispute mailings conclude at the end of your current cycle, and you retain copies of all dispute letters and records prepared on your behalf.

Consumer Know-Your-Rights

Before You Enroll

You have federal rights when it comes to your credit history. It is worth reviewing them carefully before signing with us or anyone else.

Read the agreement carefully. Make sure it clearly describes the scope of services, fee structure, and cancellation terms.

Understand all fees. Total the costs up: understand what is due at onboarding, monthly renewal, and any specialized add-ons.

Review the billing terms. Confirm billing dates, payment methods, and when charges occur relative to services rendered.

Understand the renewal terms. Know how renewals occur, how long cycles run, and what is required to pause or end service.

Review the cancellation provisions. Understand your 3-day statutory right of cancellation and subsequent cancellation steps.

Review your credit reports. Remember that you are entitled by law to obtain free annual reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com at any time.

This information is provided for general consumer education purposes and does not constitute formal legal advice.