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We charge a flat rate service fee depending on the clients situation. We can also work on half down after credit report analysts and the rest of total 30 days later. Every situation is different and a full assessment must be done. Be careful of other companies that charge monthly fees or pay per delete derogatory accounts, that will get very expensive. At NEW CREDIT LIFE we are affordable because we care about your budget and try to keep prices as low as possible . Our Aim is to serve you and get your financial life back on track.