How much does CreditRefresh cost?
CreditRefresh requires a RefreshMonitoring subscription, which costs $49.99 a month. That one subscription bundles three-bureau credit monitoring with unlimited AI-generated dispute letters, so there is a single flat price rather than a base fee plus per-letter charges. It sits below the $79 to $149 a month traditional credit repair charges, with no setup fee, no contract, and cancel anytime.
The short answer
CreditRefresh runs on a RefreshMonitoring subscription that costs $49.99 a month. That single subscription is what gives you both the credit monitoring and the AI dispute tools, so there is one price to think about rather than a stack of separate fees.
The $49.99 covers the full loop: monitoring across all three bureaus plus unlimited AI-generated dispute letters. You are not charged per letter or per dispute round.
What the $49.99 subscription includes
One RefreshMonitoring subscription covers:
- Credit monitoring across Equifax, Experian, and TransUnion.
- Automatic pulls of your reports so the AI always works from current data.
- AI analysis that flags errors and Fair Credit Reporting Act violations.
- Unlimited custom dispute letters you review before they are sent.
- Tracking for every dispute and each bureau's 30-day response.
How it compares to traditional credit repair
Traditional credit repair companies typically charge between $79 and $149 a month, often with a separate setup fee and a contract that locks you in. At $49.99 a month with no contract, CreditRefresh comes in below that range.
| Traditional credit repair | CreditRefresh | |
|---|---|---|
| Monthly cost | $79 to $149 | $49.99 (RefreshMonitoring) |
| Setup fee | Common | None |
| Contract | Often multi-year | Month-to-month, cancel anytime |
| Disputes included | Limited or per item | Unlimited AI-drafted letters |
| Who sends letters | The company, for a fee | You review and approve each one |
Why monitoring is part of the subscription
The dispute work depends on seeing what the bureaus see. RefreshMonitoring keeps your three reports current so the AI can spot new errors, confirm changes after a dispute, and catch anything that reappears. That is why monitoring and disputes are one subscription rather than separate add-ons.
Is there a free version?
No. CreditRefresh is a paid tool. The RefreshMonitoring subscription is what keeps your data out of the advertising model that funds most free credit apps, and it pays for the bureau data and the AI that does the work.
Frequently asked questions
Do I pay extra per dispute letter?
No. The $49.99 monthly RefreshMonitoring subscription includes unlimited AI-generated letters. You are not charged more based on how many items you dispute or how many rounds a dispute takes.
Can I cancel anytime?
Yes. There is no contract, so you can cancel whenever you want. See how to cancel your subscription.
Still have a billing question? Email support@creditrefresh.ai.
Related articles
No. CreditRefresh is dispute automation software, not a traditional credit repair company. The app pulls your credit reports, an AI flags errors and FCRA violations, drafts dispute letters, and you review and approve each one before it is sent. There is no agent representing you, no monthly retainer for services, and no contracts.
Credit Karma, Experian, and similar tools tell you what's on your credit reports and what your score looks like. CreditRefresh goes further by acting on what's there — using AI to find errors and FCRA violations, drafting custom dispute letters for all three bureaus, and tracking the responses. Monitoring tools show you the problem. CreditRefresh works on fixing it.
CreditRefresh is an app that uses AI to find errors and FCRA violations on your credit reports, then drafts custom dispute letters to Equifax, Experian, and TransUnion. It pulls your reports automatically, flags inaccurate balances, outdated items, and reporting that violates federal law, and tracks each bureau's 30-day response. You approve every letter before it's sent.