Plans and billing
The four tiers
- CHAI. The entry-level individual tier.
- CHAI+. The full individual tier. For people repairing their own credit who want unlimited cycles and every feature personal credit work needs.
- CHAI Agency. For credit-repair agencies managing multiple clients. Multi-seat team access and a client roster.
- CHAI Agency Pro. Everything in CHAI Agency plus whitelabel — your own logo, business name, and branding.
For tier comparison and how to choose, see self-serve vs Agency. The live price points are on the pricing section.
How billing works
All tiers bill monthly. Card payments are processed by Stripe; we never see your card details. Cancel any time from your account settings — cancellation takes effect at the end of the current billing period.
Switching tiers
Upgrades take effect immediately. Downgrades take effect at the end of the current billing period. No proration on downgrade. See switching plans or pausing for the full mechanics.
Refunds
See refunds and cancellation for specifics.
Last updated 11 days ago.
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- Self-serve vs Agency tiersWhich tier fits you — individual plans for self-repair, agency plans for businesses managing clients.
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- What counts as a cycle?A cycle is one full round through the bureau's 30-day response window. Here's the precise definition.