Most of the largest credit repair companies charge you more based on how many challenges they send out for you each cycle, and they market it like you are getting a better value the more you pay. In reality, this is just a way to get more money out of you in two different forms: Either by charging you more every month or by doing less work so you have to pay them longer. At 1st Rate, we challenge every piece of negative information every cycle, so you know you are getting the best value in credit repair.