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Prices & Plans
We offer straightforward, results-driven credit repair plans to help you take control of your financial future. Choose the plan that best fits your needs
Prices
✅ 4-Month Plan – $550
Looking for clean start for individuals to dispute and remove negative items, personal profile and improve credit scores, and gain expert financial guidance.
✅ 6-Month Plan – $750
A more comprehensive option for those needing additional time to challenge inaccuracies, build positive credit habits, purchase a home and strengthen your financial foundation.
✅ Couples Plan (7 Months) – $1,250
Designed for couples who want to repair their credit together, ensuring a stronger financial future as a team.
💳 Month-to-Month Plan Enrollment Fee: $199 (one-time setup & audit)
This flexible plan is designed for Clients on a budget who prefer to pay as they go,
- Monthly Fee: $125 per month
- Billing: Automatically charged every 30 days after your audit is completed
- Cancellation: No long-term contract — cancel anytime with 7-day notice before your next billing cycle
Plans
4-Month Credit Repair Plan
Our 4-Month Credit Repair Plan is designed to identify, dispute, and remove inaccurate, outdated, or unverifiable items from your credit reports from credit reporting agencies — Equifax, Experian, and TransUnion.
Here’s what’s included:
- Full Credit Analysis: We review your reports line-by-line to identify negative and inaccurate items.
- Customized Dispute Process: Personalized dispute letters are created and mailed directly to the bureaus on your behalf.
- Debt & Inquiry Review: We evaluate hard inquiries, collection accounts, and charge-offs that may be lowering your score.
- Monthly Progress Updates: Track your results with detailed updates every 30 days.
- Credit Education & Coaching: Keep track of credit report
Perfect for clients ready to take control and see real results fast.
Investment: $550 (covers full 4-month service)
Ideal For: Clients with moderate credit issues who want professional results without a long-term commitment.
Couple’s Credit Repair Plan
Our 7-Month Couple’s Plan is designed for partners who want to repair, rebuild, and grow financially as a team. Whether you’re preparing for a home purchase, business funding, or just want financial freedom, this plan gives both of you the tools and strategy to reach your goals.
Here’s what’s included:
- Credit Analysis for Both Partners: We perform a full audit of both credit reports — Equifax, Experian, and TransUnion.
- Personalized Dispute Strategy: Each partner receives a customized dispute plan targeting inaccurate, outdated, and unverifiable items.
- Unlimited Disputes for 7 Months: We’ll challenge every account that violates your rights under consumer protection laws.
- Couple’s Coaching Sessions: Learn how to manage joint accounts, increase scores together, and build a strong foundation.
Build strong credit — together.
- Monthly Progress Tracking: Stay updated every 30 days with detailed reports showing your credit improvements.
- Credit Education Tools: Access to guides, resources, and budgeting tips to maintain long-term success.
Investment: $1,250 (covers both partners for 7 months)
Ideal For: Couples looking to improve their credit together while learning how to protect, grow, and manage their financial future.
6-Month Credit Repair Plan
Our 6-Month Credit Repair Plan offers an extended, hands-on approach to repairing your credit and improving your financial standing. It’s ideal for clients with multiple negative accounts, collections, or complex credit challenges that need extra time and attention.
Here’s what’s included:
- Comprehensive Credit Review: Full audit of your Equifax, Experian, and TransUnion reports to identify inaccurate, outdated, or unverifiable items.
- Strategic Dispute Process: Tailored dispute letters created and mailed monthly to address negative accounts, collections, charge-offs, and inquiries.
- Unlimited Disputes for 6 Months: We work every angle — no limits on how many items we challenge.
- Monthly Progress Reports: You’ll receive clear updates each month so you can track your improvements and resu
For clients ready to go the distance and achieve lasting credit results.
- Credit Coaching Sessions: Learn proven strategies to boost your score, manage utilization, and maintain long-term success.
- Debt Review & Budget Guidance: We help you build a game plan for paying down balances and avoiding future credit pitfalls.
Investment: $750 (covers full 6-month service)
Ideal For: Clients with moderate to major credit challenges who want consistent support and long-term improvement.
Month-to-Month Credit Repair Plan
What’s Included:
- Personalized credit analysis and score breakdown.
- Dispute letters sent to all 3 credit reporting agencies (Equifax, Experian, TransUnion).
- Removal of inaccurate, outdated, or unverifiable items (collections, late payments, inquiries, etc.)
- Ongoing monitoring and progress updates every 30 days.
- Credit education and rebuilding tips to boost your score faster.
- Access to professional support and credit coaching.
Pricing Example:
- Enrollment Fee: $199 (one-time setup & audit)
- Monthly Fee: $125 per month
- Billing: Automatically charged every 30 days after your audit is completed
- Cancellation: No long-term contract — cancel anytime with 7-day notice before your next billing cycle
Who It’s Best For:
- Clients on a budget who prefer to pay as they go
- Anyone needing short-term credit repair or credit maintenance
- Clients rebuilding after identity theft, late payments, or collections
This flexible plan is designed for clients who want professional credit repair services without long-term commitments. You’ll pay monthly and can cancel anytime once you’re satisfied with your progress.
OUR CANCELLATION POLICY:
At East Texas Credit Solutions, we are committed to providing professional and ethical credit repair services. To ensure the best possible results, we ask our clients to follow these important guidelines during the credit repair process:
1. No New Credit Accounts
To maintain consistency and avoid fluctuations in your credit score, do not open new credit accounts (including credit cards, loans, or financing plans) while we are actively working on your credit. New accounts can affect your credit utilization and may delay the progress of your credit repair plan.
2. Pay All Bills on Time
Payment history makes up a significant portion of your credit score. It is crucial that you pay all existing bills on time, including credit cards, loans, utilities, and any other obligations. Late or missed payments can negatively impact your credit score and slow down your progress.
3. Maintain Credit Monitoring
To track improvements and identify any changes in your credit profile, we strongly recommend active credit monitoring. This allows us to stay informed about your credit status and respond promptly to any issues that may arise. We can suggest trusted credit monitoring services if needed.
4. Avoid Large Credit Utilization Changes
Try to keep your credit card balances below 30% of your credit limit to maintain a healthy credit utilization ratio. Paying down existing debt and avoiding excessive spending can help improve your score over time.
5. Communicate & Stay Engaged
Your involvement is key to a successful credit repair process. Please respond promptly to any requests for information or documentation. If you receive any correspondence from creditors or credit bureaus, notify us immediately so we can guide you on the best course of action.
6. No Misrepresentation or Fraudulent Activity
We strictly follow legal and ethical credit repair practices. We do not guarantee specific score increases, and we do not engage in disputing accurate information or using deceptive methods. Any attempt to misrepresent your financial history could result in termination of our services.
By following these policies, you’ll maximize your chances of achieving a stronger credit score and better financial opportunities. If you have any questions, our team is here to support you every step of the way.
`90 DAYS FOR A BETTER SCORE-
`100% refund on all payments and fees if: We do not remove more than 25% of all the negatives worked on.
`You agree to send updated reports from the 3 credit bureaus.
`You may cancel services at any time, Please notify us in writing 7 days before the next billing period.
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