KNOW THE PRICE BEFORE YOU START
State 48 Credit Pricing: Flat-Fee Plans From $249 to $849
Know the scope. Know the price. Start with a free review before you pay for more credit-repair coverage than your reports actually need.
Free 10–15 minute review. No payment. No pressure.
State 48 Credit pricing should tell you two things before you commit: what the service covers and what the total service price is. The three core credit repair plans Arizona clients can choose from are built around one major bureau, all three major bureaus, or broader coverage that can include hard inquiries and selected specialty reports. Each uses a defined one-time flat fee instead of an open-ended monthly subscription. Start with the free review, show us the reports, and choose the smallest scope that actually fits the problem.
PRICE THE ALTERNATIVE FIRST
Why Can Monthly Credit Repair Cost More Than It Looks?
A monthly price can feel smaller because you see one charge at a time. The total changes with the number of months you stay enrolled.
At a hypothetical $99 per month, 3 months is $297, 6 months is $594, and 12 months is $1,188. That is simple illustrative math, not a claim about another company's price or how long your file will take.
State 48 chose the opposite model: define the scope, define the price, and let the work determine the strategy instead of letting time determine the bill.
See the full Arizona credit repair cost breakdown$99 × 3 months$297$99 × 6 months$594$99 × 12 months$1,188
CHOOSE THE SCOPE, NOT THE SUBSCRIPTION
Which Credit Repair Package Fits What You Want Gone?
Start with where the negative items appear and how broad the problem really is. State 48 would rather put you in the right scope than automatically sell you the biggest package.
One Bureau
$249Best when one Equifax, Experian, or TransUnion report is clearly creating the problem.
Find My Best OptionSee One-Bureau Credit RepairAll Three Bureaus
$599Best when negative items appear across Equifax, Experian, and TransUnion or the details do not match.
Find My Best OptionSee Three-Bureau Credit RepairTotal Freedom
$849Best for bigger files involving all three bureaus plus hard inquiries or selected specialty reports.
Find My Best OptionSee Total FreedomInquiry review: $149Innovis: $99ChexSystems: $199Rush handling: $99
PROOF BEHIND THE PRICE
What Has State 48 Credit Actually Helped Remove or Correct?
A low price is not a bargain if nothing meaningful gets done. Look at the documented work beside the cost.
Charge-Off Deleted
Documented Phoenix and Mesa cases include charge-off deletions across Equifax, Experian, and TransUnion.
Hard Inquiries Removed
A documented Glendale case resulted in two disputed hard inquiries being removed from Experian and TransUnion.
ChexSystems Record Deleted
A documented Chandler case resulted in one negative ChexSystems record being deleted.
Individual results vary. These are specific documented cases, not promises of what will happen in another file.
See All Client ResultsWhat Do People Ask Before Choosing a Package?
Price matters, but fit matters just as much. These are the questions to settle before you pay.
How much does State 48 Credit cost?
State 48 Credit uses one-time flat-fee options tied to the reports and systems included. Review the current Pricing page for the confirmed package price, inclusions, exclusions, and available add-ons before choosing a service.
Learn more: Compare State 48 Credit pricing
Which package should I choose?
Choose based on report scope:
- A one-bureau service may fit when the concern is isolated to one major bureau.
- A three-bureau service may fit when information appears across Equifax, Experian, and TransUnion or differs between them.
- A broader service may fit when major bureaus, inquiries, identity theft, or specialty systems are involved.
If you are unsure, use the free review instead of guessing.
Does every customer need all three bureaus?
No. One bureau may be enough when the concern is truly isolated. Paying for broader coverage makes little sense when the additional reports do not contain a relevant issue.
YOU DO NOT HAVE TO PICK ALONE
Show Us the Reports. We’ll Help You Choose the Right Scope.
If the goal is a home, vehicle, apartment, credit card, business opportunity, bank account, or simply getting negative items dealt with, start with the free review before paying for more service than you need.
Find My Best OptionCall (602) 377-6626Free 10–15 minute review. Phoenix-based. Nationwide remote inquiries welcome.