My Credit Plan - Pricing

My Credit Plan charges considerably less than most credit repair companies and provides far better analysis and step-by-step solutions than credit monitoring programs. My Credit Plan program options are affordable.

You Need to Know

Each credit report has different points to address to improve Classic FICO Credit Scores. You may need to up- date your credit report, FICO® scores and analysis monthly, while others may wait a few months for three score update. My Credit Plan has program options to fit your needs at a minimal cost – you can update your credit report / FICO scores at preset intervals.

Affordable Programs

My Credit Plan has a Setup Fee and an ongoing Fee that is Month-to-Month (called the Monthly Fee).

The Setup Fee is assessed when your enrollment is complete. Your three FICO® Classic credit scores are requested, and your credit analysis and plan of action are updated.

There are a few options for the Monthly Fee. These options depend on how often you want your 3-score and plan updates - such as monthly, bi-monthly or quarterly.

You use My Credit Plan month-to-month for as long as you need, or if you can change your program in the future.


Momentum Loans Discount Pricing

Momentum Loans (NMLS 1606597) is a mortgage lender and a marketing partner of My Credit Plan. You may qualify for a discount on My Credit Plan fees if you are a client of Momentum Loans. If you are not currently a Momentum Loans client, you can qualify for this discount by selecting the Discounted Pricing Option and a Momentum Loans representative will contact you.

* If you select a Momentum Loans discounted pricing option, you grant approval for My Credit Plan to forward your name and contact information to Momentum Loans.

Reports
$ /month
$ Setup Fee
Reports
$ /month
$ Setup Fee
Reports
$ /month
$ Setup Fee


Regular Pricing

Reports
$ /month
$ Setup Fee
Reports
$ /month
$ Setup Fee

Reports
$ /month
$ Setup Fee

Program Options

Examples of Monthly, Bi-Monthly and Quarterly Programs and how often and how many FICO scores are up-dated.
Programs 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th
Monthly - Scores 3 3 3 3 3 3 3 3 3 3 3 3
Bi-Monthly - Scores 3 1* 3 1* 3 1* 3 1* 3 1* 3 1*
Quarterly - Scores 3 1* 1* 3 1* 1* 3 1* 1* 3 1* 1*

* Identifies when a single FICO score is updated. The single score updated is the lowest of the 3 scores.