Clear, Honest Pricing — No Surprises
At 1st Credit Experts, we believe in straightforward, transparent pricing. Each item listed on the Rate Card represents a specific action, supported by consumer protection statutes, taken on your behalf to help correct inaccurate or unverifiable information on your credit report. These are not generic templates. Every letter is hand customized, written by professionals, and sent to the appropriate credit bureau with supporting documentation and references to applicable consumer laws.
You will only be charged for disputes we actually prepare, send, and track toward a verifiable outcome. If additional rounds (second, third, fourth, etc.) are needed to achieve a legally accurate result, we will continue our efforts at “no extra cost to you” until all legally permitted dispute rounds have been completed. Many clients may see improvements depending on their report and circumstances. To see legal information about your rights, click here.
| Item Type (Eligible for Dispute if Inaccurate) | Equifax | Experian | TransUnion |
| 1. Incorrect Name on Report | $50 | $50 | $50 |
| 2. Incorrect Date of Birth | $50 | $50 | $50 |
| 3. Incorrect Employer Information | $50 | $50 | $50 |
| 4. Incorrect Resident Address | $50 | $50 | $50 |
| 5. Incorrect Social Security Number | $75 | $75 | $75 |
| 6. Account Belongs to Ex-Spouse (Post-Divorce) | $95 | $95 | $95 |
| 7. Account Closed or Settled Still Reporting | $95 | $95 | $95 |
| 8. Account Duplication Belonging to Client | $95 | $95 | $95 |
| 9. Account Incorrect Date Reporting | $50 | $50 | $50 |
| 10. Account Not Belonging to Client | $95 | $95 | $95 |
| 11. Account Outdated – Past Statutory Limit | $95 | $95 | $95 |
| 12. Account Reinserted Without Notification | $125 | $125 | $125 |
| 13. Account Re-aging DOFD | $125 | $125 | $125 |
| 14. Account Settled Still Showing Unpaid | $95 | $95 | $95 |
| 15. Account Status Error – 120+ Days Late After Payoff | $95 | $95 | $90 |
| 16. Account Type Error (Revolving vs Installment) | $50 | $50 | $50 |
| 17. Bankruptcy Listing Error | $250 | $250 | $250 |
| 18. Charge-Off Account Error | $175 | $175 | $175 |
| 19. Child Support Error | $225 | $225 | $225 |
| 20. Collection – Medical Info Shown Improperly | $225 | $225 | $225 |
| 21. Collection- Collection Account Error (Paid or Unpaid) | $175 | $175 | $175 |
| 22. Collection – Balance Error | $175 | $175 | $175 |
| 23. Collection – Medical Collection or HIPAA Violation | $225 | $225 | $225 |
| 24. Credit Limit or Balance Reporting Error | $95 | $95 | $95 |
| 25. Creditor – Duplicate Reporting After Assignment | $95 | $95 | $95 |
| 26. Delinquency or Status Incorrect After Payoff | $125 | $125 | $125 |
| 27. Dispute Not Marked as – Disputed by Consumer | $50 | $50 | $50 |
| 28. Hard Inquiry – Without Client Consent | $125 | $125 | $125 |
| 29. Hard Inquiry – Duplicate or Misreported | $125 | $125 | $125 |
| 30. Identity Theft – Fraudulent Account or Inquiry | $225 | $225 | $225 |
| 31. Late Payment Reporting Error | $125 | $125 | $125 |
| 32. Payment History Reporting Error | $125 | $125 | $125 |
| 33. Public Record – Court Record Error (Dates, Case #) | $250 | $250 | $250 |
| 34. Public Record – Public Record Error (Lien, Judgment) | $250 | $250 | $250 |
| 35. Public Record – Belongs to Another Consumer | $250 | $250 | $250 |
| 36. Repossession Asset Personal Items Error (Cars, etc.) | $225 | $225 | $225 |
| 37. Repossession / Foreclosure Error (Home Real Estate) | $225 | $225 | $225 |
| 38. Student Loan – Date, Amount, Case # Error | $175 | $175 | $175 |
| 39. Student Loan – Late Payment Error | $175 | $175 | $175 |
Each item on the list reflects a targeted dispute or legal request sent on your behalf. Depending on your report, we recommend only the items necessary to correct inaccuracies, remove invalid accounts, and strengthen your score. You are not locked into any package or monthly payment subscriptions. You stay in full control.
* All dispute letters are written by our experts
* We include legal references and documentation within each dispute
* You will always know what is being done and why on your account
If you are not sure which items apply to your situation, just ask. We will walk you through your report, step by step.
Consumers have the right to dispute information directly with the credit bureaus at no cost. You also have the right to cancel our services within three business days of signing an agreement. Full details will be provided in your written contract before any services begin.
Results vary by individual credit history and circumstances. We cannot guarantee removal of specific items or a specific score increase.
*Any repossession, collection, or judgement, etc., with a balance still owed will likely require the debt be settled or negotiated or withdrawn prior to successful deletion
* 1st Credit Experts complies with the Nevada Credit Services Organization Act (NRS 598.741–.787)