Pricing

Simple pricing.
No surprises.

Start free. Upgrade when you need unlimited analyses and full CRA coverage. Cancel any time.

Secured by Stripe. No hidden fees. Cancel any time.
Free
$0

Try it out. See what we find before committing to anything.

  • 1 analysis per month
  • 1 CRA (Equifax, Experian, or TransUnion)
  • Violation detection & severity scoring
  • 1 dispute letter preview
  • Cross-CRA comparison
  • Legal citation explanations
Start Free Analysis
Most Popular
Defender
$ 29 /month

Full CRA coverage. Unlimited analyses. Everything you need to dispute effectively.

  • Unlimited analyses per month
  • All 3 CRAs (Equifax, Experian, TransUnion)
  • Cross-CRA contradiction detection
  • Unlimited dispute letters
  • Dispute tracker (all 3 CRAs)
  • Legal citation explanations
Get Defender — $29/mo
Armor
$ 49 /month

Maximum firepower. Legal explanations and secondary CRA data for the toughest disputes.

Get Armor — $49/mo
  • Everything in Defender
  • Secondary CRA deep analysis
  • Legal explanations (FCRA & FDCPA citations)
  • Metro 2 compliance analysis
  • Follow-up dispute letters
  • Full dispute packets
One-Time Access
$ 79

One payment. Full Armor features. No subscription.

Buy One-Time Access — $79

Ideal if you're disputing a specific set of errors and don't need ongoing access. You get everything in the Armor plan for a single credit cycle. No recurring charges — ever.

Best for one-time disputes

Pay once, get full Armor access immediately.

Compare Plans

Everything side by side

Feature Free Defender $29 Armor $49 One-Time $79
Analysis
Analyses per month 1 Unlimited Unlimited Unlimited
CRAs covered 1 All 3 All 3 All 3
Cross-CRA contradiction detection —
Secondary CRA deep analysis — —
Disputes
Dispute letters generated 1 preview Unlimited Unlimited Unlimited
Dispute tracker —
Follow-up dispute letters — —
Full dispute packets — —
Legal Intelligence
FCRA & FDCPA legal citations — —
Metro 2 compliance analysis — —
Billing
Billing Free Monthly Monthly One-time
FAQ

Common questions

Do I need a credit monitoring subscription?

No. LegacyArmor works with reports you upload yourself — PDFs or pasted text from any credit reporting agency. No ongoing monitoring required, no third-party account needed.

What's included in the free tier?

One full analysis per month against a single CRA — violation detection, severity scoring, and one dispute letter preview. Enough to see exactly what we find before paying anything.

Can I cancel anytime?

Yes. Cancel from your Stripe billing portal whenever you want. No contracts, no penalties, no "please confirm 3 times" friction.

What's the difference between Defender and Armor?

Defender covers all three credit reporting agencies with unlimited analyses and dispute tracking. Armor adds legal citation explanations (the exact FCRA/FDCPA statutes being violated), Metro 2 compliance analysis, follow-up letters, and full dispute packets — for the toughest disputes.

Who should choose One-Time vs. a subscription?

If you have a specific set of errors to dispute and don't plan to use the tool monthly, the $79 one-time option gives you full Armor access without recurring charges. Subscriptions make sense if you're actively managing credit over several months.

Is my credit report data secure?

Reports are processed in memory and never permanently stored beyond your active session. We don't sell data, share data, or build profiles. Your credit history stays yours.

Start free. Upgrade when it matters.

Run your first analysis at no cost. See what violations exist before spending a dollar.

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