Choose your plan and start the process.

No term contracts EVER!

Superior service with the fairest pricing.

With AltoCredit, you have options to choose the services that work best for you! That’s how confident we are that our services can help you. And it gets even better! When you sign up for our services, you’ll have your own, personal Credit Advisor who will provide you with credit building and budget advice.

Continue reading to discover all of the benefits of our services.


Strictly performance based plan. Let us work on deleting those inaccurate negatives BEFORE we collect any deletion fees. Deletion fees are calculated on a per item - per bureau basis.


  • Inquiries - $25
  • Collections Accounts - $60
  • Charge Offs - $60
  • Late payments - $60
  • Medical Collections - $60
  • Student Loans - $60
  • Repossessions - $125
  • Bankruptcies - $125
  • Foreclosure/ Short sale - $125
  • Personal Information - Free

Performance Plan

A $199.00 one time first work applies after we fully package your file and begin working. Your next invoice will be generated 45 to 60 days after we start working on your credit.

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Pay $89.99 monthly with no contracts ever. All fees and services are included and the price never changes. Cancel any time.


  • Credit report Analysis
  • Identify areas of improvement
  • Debt Ratio Review
  • Credit Builder Recommendations
  • Student loan assist
  • Guidance calls and check-ins
  • Live webinar access
  • Performance Guarantee

$89.99 monthly

A $199.00 one time first work applies after we fully package your file and begin working. Your next invoice will be generated 30 to 45 days after we start working on your credit.

Types Of Accounts We Challenge



repossessed car


late payments

Charge Offs

Frequently Asked Questions

What's the normal timeframe?

The normal timeframe for credit repair can vary depending on the individual's credit history and the severity of their credit issues. However, as a general guideline, results normally start within the first 35-45 days and can take anywhere from a few months to a year or more to see significant improvements in one's credit score.

Will this be a hard inquiry?

No, running your own credit report or score will not result in a hard inquiry on your credit report. Your credit monitoring service will be considered a soft inquiry. Note: It's important to regularly check your credit report to monitor for errors or unauthorized activity and to ensure that your credit score is accurate. We recommend

Who will answer my questions?

At AltoCredit, we value a team-based approach to serving our clients' credit repair needs. As our client, you can reach out to us through various channels, including our iOS and Android app, phone, email, and text. You'll be assigned a dedicated advisor to guide and coach you through the credit repair and building process. We also offer self-service education centers and live webinar meetings for our credit community.

Do you help me build credit?

Our process is designed to provide you with access to credit-building accounts that are guaranteed to be approved and reported to the credit agencies. In addition to helping you get approved for credit building accounts, we also have expertise in navigating the credit card application process. We have a deep understanding of which credit card companies check which credit bureaus, and we'll guide you towards the cards that are most likely to approve your application.

What's your success rate?

Typically, our clients start seeing results within the first 35-45 days of enrollment in our program. However, success is measured differently for everyone. For instance, some clients may need a credit score of 600 for solar, while others may need a score of 620 for a mortgage. We evaluate success based on the specific goals of each client, and as long as they follow our process, adhere to the guidelines provided by their advisor, and stay committed, they will usually see improvements in their creditworthiness.

Can you continue to help me after I graduate the program?

We are committed to our clients beyond their time in our program, and we will continue to be there for them as long as they need help. Furthermore, clients will remain part of our Altocredit credit community, where many graduates remain friends for years. We aim to build a lasting relationship with our clients and become their go-to source for credit advice, education, and support.

Our Guarantee

Our guarantee is designed to make our credit repair process both helpful and risk-free for you. We don't believe in binding term contracts, because we know that everyone's credit needs and goals are unique. Our guarantee prioritizes your needs, which is why we offer the assurance that if we cannot increase your scores or delete negative information from your credit after 3 rounds, you will receive the next 4 months of service completely free of charge. This means any items deleted during that timeframe will not be charged, and you will continue to receive coaching calls and access to live credit webinars at no cost.

Take Your Credit To The Next Level.

Our credit repair process is designed to increase your credit scores by helping you update positive accounts, delete negative accounts, and add new positive accounts. This process is AltoCredit's proven formula to maximize success in our program. Which part of your credit reports do you need the most help with?

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