Enrollment is $149 $99 right now — on every plan
The discount is already applied. Nothing to enter at checkout.
You already know where you want to be. Let's build the plan to get you there.
Whatever brought you here — a home you want to buy, a report you don't understand, a hard couple of years you're ready to put behind you — choose the level of help that fits you today. You'll have a counselor, a written plan, and someone checking in on you all month long.
- Nonprofit, not a credit repair company
- A real counselor, not a call center
- Text check-ins all month long
- 3 FICO® scores: Experian, Equifax, TransUnion
- Hablamos español
- $99 to start (usually $149)
- Change or cancel anytime
What are you working toward?
Three ways to work with us
Same counselors, same standards. The only difference is how much of the work we do for you.
A person in your corner. You meet with your counselor at set appointment times, and you'll hear from them by text throughout the month — personal check-ins, not automated blasts — so you keep moving forward between sessions.
All three FICO® scores. Experian, Equifax, and TransUnion — the same scores lenders use to approve you, updated every month. Checking your credit with us never hurts your score.
$99 to start, discounted from $149. Your first monthly payment isn't charged until 30 days later, after your counselor has done the work.
English or Spanish. Your counseling and your text messages, in the language you're most comfortable in.
Credit Coach
“Give me the plan and show me what to do.”
One-time enrollment $149 $99Discount applied automatically
For you if you want guidance and a strategy, not dispute services.
- Full credit report review
- A personalized action plan, written for you
- Scheduled appointment windows with your counselor
- Personal text check-ins from your counselor throughout the month
- 3 FICO® scores each month, from Experian, Equifax and TransUnion
- Monthly progress review and report
- Utilization and account recommendations
- Client portal access
Does not include creditor or bureau disputes, counselor-led pay-for-delete, or counselor-led CFPB disputes.
Start with Credit Coach$99 today · then $53.99 a month, starting in 30 days
Credit Essentials
“Help me work on my credit — I'll handle some of the legwork.”
One-time enrollment $149 $99Discount applied automatically
For you if you want active credit work at a more affordable price.
- Everything in Credit Coach
- Active creditor dispute and validation assistance
- Up to 5 targeted accounts per round, chosen by you and your counselor for best opportunity
- Pay-for-delete instructions, template, and video walkthrough
- CFPB dispute instructions, template, and video
- An updated action plan every month
Templates are sent by text or email. Does not include counselor-led pay-for-delete negotiation or counselor-led CFPB disputes.
Start with Credit Essentials$99 today · then $79 a month, starting in 30 days
Credit Complete
“I want the highest level of support and hands-on help.”
One-time enrollment $149 $99Discount applied automatically
For you if you want us doing the heavy lifting alongside you.
- Everything in Credit Essentials
- Full creditor dispute and validation strategy
- Bureau dispute strategy
- Counselor-led pay-for-delete negotiation
- Counselor-led CFPB assistance when appropriate
- Account-by-account recommendations and detailed progress tracking
Includes monthly credit report and score review, plus ongoing counselor guidance.
Start with Credit Complete$99 today · then $119 a month, starting in 30 days
Side by side
If you're torn between two plans, this is the difference.
| What you get | Credit Coach$53.99 | Credit Essentials$79 | Credit Complete$119 |
|---|---|---|---|
| One-time enrollment | |||
| 3 FICO® scores — Experian, Equifax and TransUnion, updated monthly | ✓ | ✓ | ✓ |
| Credit report review and written action plan | ✓ | ✓ | ✓ |
| Scheduled appointments with your counselor | ✓ | ✓ | ✓ |
| Personal text check-ins throughout the month | ✓ | ✓ | ✓ |
| Monthly progress review with your counselor | ✓ | ✓ | ✓ |
| Client portal access | ✓ | ✓ | ✓ |
| Creditor dispute and validation work | — | Up to 5 accounts per round | Full strategy |
| Bureau dispute strategy | — | — | ✓ |
| Pay-for-delete | — | Templates and instructions | Your counselor negotiates |
| CFPB complaints | — | Templates and instructions | Your counselor assists |
Before you enroll
What happens right after I pay?
You'll get an email with your enrollment agreement to review and sign electronically, plus a link to schedule your first session. Your counselor reviews your report before that call, so your first conversation is about your plan — not paperwork.
What exactly do I pay today?
Just the one-time enrollment — normally $149, currently discounted to $99 on every plan, with nothing to enter at checkout. Your first monthly payment isn't charged until 30 days later, once your counselor has completed the first round of work. After that, you're billed the monthly amount for the plan you chose.
Do I actually talk to a person?
Yes — that's the whole point. You have set appointment windows with your counselor, and they text you personally during the month to see how you're doing and what needs to happen next. You're not left alone with a portal and a list of tasks.
Will this hurt my credit?
No. Pulling and reviewing your credit with us is a soft inquiry, which lenders don't count against you. You'll see all three FICO® scores — Experian, Equifax, and TransUnion — the same ones lenders use, every month.
Can I switch plans later?
Yes, at any time — just tell your counselor. Plenty of clients start with more support and step down once the heavy lifting is done.
How long does this take?
It depends on what's on your report and how quickly creditors and bureaus respond. Your counselor will give you a realistic picture at your first session instead of a promise. We don't guarantee a specific score increase — no one honestly can.
¿Hablan español?
Sí. Counseling and support are available in English and Spanish. We also serve clients in Polish and ASL.
You've already done that. Now pick your plan.
You took the first step when you reached out. Choose the plan that fits your budget today — $99 to begin, discounted from $149 — and if you're still unsure, call us and we'll talk it through together.
Starting Now Corporation is a 501(c)(3) nonprofit credit counseling agency. We are not a credit repair organization, and we do not promise or guarantee any specific credit score increase, the removal of accurate information, or approval by any lender. Results vary based on your individual credit profile and creditor responses.
You have the right to dispute inaccurate information with the credit bureaus yourself at no cost. All programs include a one-time enrollment fee of $149, currently discounted to $99 and charged at enrollment. Monthly billing for your selected program begins 30 days after enrollment and continues monthly thereafter. You may change or cancel your program at any time. Full terms are provided in your enrollment agreement. FICO is a registered trademark of Fair Isaac Corporation.
