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.


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

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.


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.