Pricing

Simple. Transparent. Built for Progress

$0 to start + $99/month

Improving your credit shouldn’t feel confusing or risky.
That’s why our pricing is straightforward — and performance-based.

$0 To Start

You are not charged at enrollment.

You begin with a comprehensive credit file review and structured onboarding process — with no upfront payment collected.

No setup fees.
No hidden charges.
No surprise billing.

$99 Per Service Cycle

You are billed only after services have been completed for that month.

Month-to-month service.
No long-term contract.
Cancel anytime.

We believe you should pay for work performed — not promises.

Additional Add-Ons

Credit Monitoring (optional):
$1 for 7-day trial, then $19.95/month - (Third-party service)

What's Included in Your Service

Comprehensive Credit Analysis
A structured review of your credit reports to identify inaccurate, outdated, or unverifiable items and determine strategic next steps.
Dispute Assistance
Professional preparation and submission of disputes to credit bureaus and data furnishers where appropriate under federal consumer protection laws.
Monthly Progress Updates
Clear documentation of actions taken and bureau responses so you always know where you stand.
Client Portal Access
Secure online access to monitor your account status and service activity.
Credit Education & Strategy Guidance
Practical guidance on responsible credit usage, utilization management, and long-term credit building strategies.
Ongoing File Review
Continuous evaluation of your file to determine when additional disputes or strategy adjustments are appropriate.

Get started with your personalized mortgage-ready credit plan. Secure your spot today

START MY CREDIT PLAN

Understand Your Credit.

Move Forward With Confidence.

First Lane Credit provides professional credit analysis, education, and dispute assistance services designed to help clients address inaccurate, outdated, or unverifiable information on their credit reports. We also provide guidance on responsible credit building strategies to support long-term financial stability and progress toward your financial goals.