Pricing

Choose your plan. Start free for 7 days.

No credit card required for your trial. Cancel anytime, no questions asked. The FCRA gives every American the right to dispute inaccurate credit report items — Restore makes it straightforward to exercise that right yourself.

Dispute Plans

For consumers who want to actively dispute inaccurate items on their credit reports

Dispute: Solo
"Get started. Dispute what's wrong."
$19/mo
7-day free trial — no credit card required
  • Upload up to 3 credit reports (one per bureau)
  • AI-powered error and inaccuracy scan
  • 10 dispute letter templates (late payments, collections, charge-offs, outdated items, incorrect balances)
  • Personalized FCRA citation per letter
  • PDF download + print-ready formatting
  • 30-day FCRA deadline tracker (1 active dispute cycle)
  • Email reminders at Day 15 and Day 28
  • Response intake: log bureau responses + next-step guidance
  • Identity Theft Protection Kit
  • Escalation letter generation
  • Multiple simultaneous dispute cycles
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Dispute: Family
"Protect your whole household."
$49/mo
7-day free trial — no credit card required
  • Everything in Pro, for up to 4 people
  • Up to 4 individual profiles under one account
  • Each profile gets full Pro-level access
  • Shared billing — one subscription covers everyone
  • Family dashboard — see all disputes across all profiles at a glance
  • Priority email support

The math: Pro for 2 people separately = $58/month. Family plan = $49/month.

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Coach Plans

For consumers who want ongoing credit monitoring and AI-guided improvement coaching

Coach: Basic
"Know when something changes."
$9.99/mo
7-day free trial — no credit card required
  • 3-bureau credit monitoring (Equifax, Experian, TransUnion)
  • Real-time alerts for: new accounts, hard inquiries, balance changes, late payment postings, collection additions, score shifts of 10+ points
  • Monthly credit summary report
  • Basic AI insights: "Your Experian utilization increased from 28% to 41%"
  • Prescriptive coaching
  • Predictive forecasting
  • Dispute letter access
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Best Value

Everything in one dashboard, at a significant discount

⭐ Most Popular
All-Access Bundle
"Dispute what's wrong. Monitor what changes. Coach what's next."
$39/mo
Dispute Pro ($29) + Coach Plus ($19.99) = $48.99/mo. You save $9.99/month — nearly $120/year.
7-day free trial — no credit card required
  • Unlimited credit report uploads
  • 25+ dispute letter templates (all types)
  • Up to 3 simultaneous active dispute cycles
  • Automatic escalation letter generation
  • Identity Theft Protection Kit
  • Full dispute history log
  • 3-bureau real-time monitoring
  • Alerts for all account changes
  • Prescriptive AI coaching with specific, dated action items
  • Predictive score forecasting (30/60/90 days)
  • Utilization optimizer + new item coaching
  • Priority email support (24-hr response)
Start Free Trial — Most Popular

Full Feature Comparison

Feature Solo ($19) Pro ($29) Family ($49) Coach Basic ($9.99) Coach Plus ($19.99) Bundle ($39)
Credit report upload3UnlimitedUnlimited (4 users)Unlimited
AI error scan
Dispute letter templates1025+25+ per user25+
Personalized FCRA citation
PDF generation + print
30-day deadline tracker1 cycle3 cycles3 cycles/user3 cycles
Escalation letter generation
Identity Theft Protection Kit
Goodwill letter template
CFPB complaint template
Family profiles (up to 4)
3-bureau monitoring
Real-time alerts
Prescriptive AI coaching
Predictive score forecasting
Utilization optimizer
Priority support✓ (48hr)✓ (24hr)
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7-Day Money-Back Guarantee

If you sign up for a paid plan and decide Restore isn't right for you within the first 7 days of your paid subscription, we'll refund your first payment in full. No questions asked, no retention emails, no loops to jump through. Request from Account → Billing or email support@restore.credit.

Pricing FAQs

What happens after my 7-day free trial?

After your trial ends, your chosen plan activates and your payment method on file is charged. You'll receive an email reminder 24 hours before your trial expires. Cancel before the trial ends and you won't be charged.

Can I switch plans?

Yes, anytime. Upgrades take effect immediately; downgrades take effect at the start of your next billing cycle. If you upgrade mid-cycle, you'll be charged a prorated amount for the remainder of the period.

What is a "dispute cycle"?

A dispute cycle is one complete round of disputing: you submit letters, bureaus complete their 30-day reinvestigation, you receive responses, and you log the outcomes. Solo includes 1 active cycle at a time; Pro and Bundle include up to 3 simultaneous cycles.

Is the Family plan for married couples only?

No. The Family plan covers up to 4 individual profiles — spouses, partners, adult children, parents, roommates, or anyone you want to help. Each person gets their own credit reports, dispute letters, and tracking under shared billing.