Credit repair built around actual work and results, not automatic monthly billing.
Real results from real clients - verified on Google
At Pay After Deletion™, we don't charge you simply to become a client, and we don't bill you month after month just because time has passed.
Instead, our pricing is built around the actual credit-repair work we perform and the results we achieve.
It costs $0 just to become a Pay After Deletion™ client.
There's no setup charge, enrollment fee, or activation fee simply for getting started.
If you'd like us to look at your credit before deciding whether to move forward, we also offer a FREE Three I's Analysis, looking for potentially Inaccurate, Inconsistent and Incomplete information across your credit reports.
You don't pay us simply to become a client.
We don't charge you another credit-repair fee simply because another month has passed.
Credit repair doesn't run neatly on a 30-day billing calendar. A dispute cycle commonly takes 45–60 days and sometimes longer as disputes are mailed, investigated, responses arrive, and updated reporting becomes available.
During that waiting period, we don't create another credit-repair bill simply because the calendar moved forward.
The calendar doesn't create your bill.
Credit repair isn't free, and we don't pretend it is.
Instead of charging you to sign up or billing you every month, Pay After Deletion™ uses a low dispute-cycle fee for the actual credit-repair work we perform, plus a fee for each item deleted.
A dispute cycle isn't another month on the calendar. It's a defined round of credit-repair work.
For the actual work performed during an authorized dispute cycle.
Charged for each item successfully deleted.
A dispute cycle is one complete round of credit-repair work.
We review your current credit reports, analyze what's being reported, identify potentially inaccurate, inconsistent and incomplete information, prepare personalized dispute documents, and provide the materials and instructions for your certified-mail disputes.
Then comes something just as important: we wait for the results.
Credit bureaus need time to receive and investigate disputes, respond, and update your credit reports. That waiting period is still part of the same dispute cycle.
Waiting isn't another cycle. Another month isn't another cycle.
Once updated reports are available, we review the results. If additional work makes sense, you decide whether to continue with another dispute cycle.
The first dispute cycle typically involves the most initial work. We're starting with your current credit reports, establishing a baseline, identifying the information to address, and creating your first complete dispute package.
Additional cycles build on work that's already been completed, which is why additional dispute cycles have a much lower cycle fee.
You Pay for the Work We Perform and the Items We Delete. Not the Calendar.
SEE DISPUTE-CYCLE & DELETION PRICINGYour dispute-cycle fee covers a defined round of credit-repair work—not a month of service. Here's what one dispute cycle looks like from beginning to end.
These five steps make up the dispute cycle.
Choose the first dispute-cycle option that best fits your specific situation and the level of service you're most comfortable with.
We review your credit information and create your personalized dispute letters using our Three I's Process to identify information that may be Inaccurate, Inconsistent or Incomplete.
Once your dispute package is complete, we email everything directly to you along with detailed instructions for mailing your disputes by certified mail.
Creditors and credit bureaus need time to receive, investigate and respond to disputes. We respect that process rather than rushing into another cycle.
Most dispute cycles typically take approximately 45–60 days and sometimes longer, depending on the circumstances and response timing.
Waiting is part of the cycle—not another cycle.
Once the response period has passed and updated credit information is available, we perform a Review Audit to compare the results, identify deletions, and determine the applicable per-item deletion fees.
You are then billed for the deletions achieved during that cycle.
After your cycle is complete, you decide if and when you want to continue.
You can move forward with another dispute cycle, wait before beginning another cycle, or stop.
If you choose to continue, you select your next cycle and authorize the next round of work.
The next cycle doesn't begin simply because another month has passed. You decide when it begins.
Finding something to dispute is only half the job. The dispute also needs to be taken seriously.
Our Three I's Process focuses on what we're disputing: information that may be Inaccurate, Inconsistent or Incomplete.
Our PT Process™ (Paper Trail Process) focuses on how the dispute is documented and delivered, helping reduce the risk of disputes being ignored or treated as suspicious because letters are unsigned, mailed from locations unrelated to the consumer, or sent without a documented mailing trail.
The Three I's helps us build the dispute. The PT Process™ helps establish that you are personally involved in it. Both matter, because without an investigation, there can be no resulting deletion from that dispute.
The information being reported should be accurate and complete. We look deeper than balances and payment histories.
Our Three I's Process reviews your credit information for three types of potential reporting problems:
Information that appears factually incorrect.
Information that doesn't match across bureaus or within reported account details, including dates, balances, statuses and other information.
Information that may be missing details necessary to accurately report or understand the account.
Federal credit-reporting law places duties on consumer reporting agencies concerning the accuracy and completeness of information in consumer reports. Our Three I's Process gives us a systematic way to look for those potential problems and develop disputes around the information actually being reported.
Good disputes need proper documentation.
The PT Process™ is designed to reduce avoidable reasons a dispute may be questioned, delayed or treated as suspicious.
Your dispute letters are:
This makes your participation clear. You're not handing your credit over to a company and wondering what's being sent in your name.
You see the letters. You know what's being disputed. You sign them. You mail them. And you have the certified-mail record showing when they were sent and delivered.
That paper trail gives us documentation to work from when the responses and updated credit reports come back.
Together, they give each dispute the substance and paper trail needed to pursue a proper investigation, because a deletion can't result from an investigation that never happens.
No setup fee. No monthly credit-repair fee. No automatic new cycles. You choose what happens after each cycle.
Read individual client experiences on our reviews page. Reviews reflect individual experiences and do not guarantee results.
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