Pricing

Free for consumers. Pros pay for the platform.

AICreditFly is a marketplace. Consumers get free credit tools and a matched Credit Repair Pro at no cost. Pros pay a subscription to receive vetted leads and run our AI tooling.

For Consumers

Everything you need. $0.

We don't charge consumers — ever. We make money from Credit Pro subscriptions, optional bureau reports, and credit card affiliate partnerships.

$0
forever
Free credit scores from all 3 bureaus
Daily soft-pull score refresh
AI score-lift insights & monitoring
Find & connect with a vetted Credit Repair Pro
Personalized credit card recommendations
Share read-only snapshot with realtor / lender
Educational guides & FCRA basics
Create free account
Consumer Upgrade · 700 Club
Best Value

700 Club — build the score, join the room.

Report your rent, utilities, phone, and Netflix payments to all 3 bureaus, get a monthly 10-minute strategy call with a vetted Credit Pro, and unlock the members-only 700 Club community room.

$29/mo
cancel anytime
Rent, utility & Netflix payment reporting to all 3 bureaus (avg +40 pts in 90 days)
One free 10-minute call with a vetted Credit Pro every month
Members-only 700 Club community room (deals, tradelines, insider tips)
Priority instant-match with top-rated Pros
Advanced AI score simulator + goal tracker
Everything in the free plan

$10 of every membership goes directly to the Pro you meet with each month. Rent reporting powered by our bureau data partner (Experian RentBureau · Equifax · TransUnion).

Optional Paid Add-Ons
Real Mortgage FICO® Report (tri-merge)
One-time · the score lenders actually pull (FICO 2/4/5).
$39.99
Buy report →
Credit Card Marketplace
Apply through us — issuers pay us, you don't.
Browse cards →
For Credit Repair Pros

Subscribe. Get vetted leads. Run your practice.

Every plan includes monthly lead credits, AI dispute & support-agent tooling, and a profile in the consumer-facing marketplace. Need more leads? Buy a pack below.

Starter
$49/mo

Solo credit pros getting started.

10 lead credits included
  • Public profile in our Pro marketplace
  • 10 inbound lead credits / month
  • Up to 25 active clients
  • AI dispute letter generator
  • Encrypted client document vault
  • Email + chat support
Most Popular
Growth
$99/mo

Most credit pros pick this.

35 lead credits included
  • Everything in Starter
  • 35 inbound lead credits / month
  • Up to 150 active clients
  • AI Support Agent — 1,000 client follow-up texts / mo
  • Branded client portal + share links
  • Affiliate sub-links (earn 50% of card revenue)
  • Priority placement in marketplace search
Elite
$199/mo

Agencies and high-volume firms.

100 lead credits included
  • Everything in Growth
  • 100 inbound lead credits / month
  • Unlimited active clients
  • AI Support Agent — unlimited client follow-up texts
  • Multi-seat team accounts (up to 5)
  • API access + CSV import/export
  • Dedicated success manager
Need More Leads? Top Up Anytime.

Lead credit packs

One credit = one warm consumer match delivered with their goals, score band, and preferred contact method. Credits never expire.

25 leads
$99
$3.96 / lead
60 leads
$199
$3.32 / lead
150 leads
$399
$2.66 / lead
Start 14-day Pro trial — no card required

Consumer: free forever · Pro: cancel anytime · 14-day refund

AICreditFly™ is a marketplace operated by Iridescent Investment Holdings LLC. We are not a credit repair organization. Credit repair services are provided by independent third-party Pros who are solely responsible for compliance with CROA and applicable state law. See Disclosures.