Not all credit journeys are the same — and at Credora, we know that your plan should reflect your situation, not someone else’s. Whether you're dealing with a few outdated collections or battling issues across all three bureaus, we've created a tiered structure that delivers value at every level.

This post will help you choose the right Credora plan by breaking down what’s included, who each tier is best for, and how you can level up with optional tools like identity protection and business credit building.

📊 Side-by-Side: Comparing Credora’s Plans

🟢 Who the Essential Plan Is Ideal For

If your credit report only has a few negative items and you’re looking for a low-cost way to start the repair process, the Essential Plan is perfect. You’ll get:

• AI-generated dispute letters

• Monthly progress tracking

• Support for up to 15 items per month

• A full onboarding and credit audit (via setup fee)

💡 Best for:

• Clients with fewer than 10 negative items

• Individuals new to credit repair

• Anyone looking for a low-risk starting point

🟩 Why the Advanced Plan Is Our Most Popular

The Advanced Plan offers the best balance of features, coverage, and affordability. It’s perfect for clients who need multi-bureau disputes, faster results, and AI optimization.

With this plan, you unlock:

• 3-bureau dispute cycles

• AI-prioritized item targeting

• Optional certified mail (paid per letter)

• Credit score monitoring and forecasting

💡 Best for:

• Clients with 10–20 negative items

• People disputing across all 3 credit bureaus

• Anyone wanting more results per month

⬛ How the Elite Plan Offers White-Glove Resolution

The Elite Plan is our most comprehensive option, designed for those with complex credit issues, higher stakes, or who simply want a concierge-level experience.

Here’s what makes it elite:

• Unlimited dispute rounds (customized cadence)

• Legal-level escalation letters (FCRA/CFPB compliant)

• Certified Mail included in all dispute rounds

• Full identity protection suite

• Monthly 1-on-1 sessions with a dedicated advisor

• Secure vault for uploading docs and tracking audit trails

💡 Best for:

• Victims of identity theft

• Business owners, high-income earners, or post-bankruptcy recovery

• Clients looking for full-service + faster outcomes

⚙️ Don’t Forget the Optional Add-Ons

No matter which plan you choose, Credora offers powerful optional tools to accelerate your success:

• Certified Mail ($6.95/letter) — Legally verified delivery to credit bureaus

• Identity Protection ($19.99/month) — Dark web monitoring + fraud alerts

• Business Credit Builder ($89/month) — Establish your EIN profile and get vendor/tradeline support

🧠 Final Thoughts

Choosing the right credit repair plan is about more than just price — it’s about fit, support, and your goals.

At Credora, we give you the flexibility to scale up when you're ready, and the tools to transform your credit profile with precision and confidence.

✨ Still not sure? Start with a free audit — or talk to a credit advisor today.