Credit Repair Specialists on FreshBooks pay $33/month — $396/year. Over three years, that's $1,329. Nexa is $279 once. Break-even runs about 8.5 months. The median Credit Repair Specialist earns $55,000/year, so FreshBooks's annual cost is roughly 0.7% of typical revenue — every year, forever.
That's $1,329 gone. And you don't own anything. Stop paying, lose access.
You're not the only one who's had enough.
Credit Repair Specialists face unique challenges: Bureaus 'verify' a disputed account as accurate within the 30-day window with no real investigation, so you have to escalate to a method-of-verification demand round after round. Staying CROA-compliant means you can't take a dollar before service is rendered and must honor the three-day cancel, which spooks clients used to paying upfront. Tracking which dispute round each tradeline is on across three bureaus for dozens of clients so nothing gets dropped mid-cycle. Managing client expectations when a deleted collection reappears (re-inserted) and you have to fight the same item twice. On top of all that, FreshBooks charges $33/month ($396/year) — money that comes directly from your revenue. The median Credit Repair Specialist earns $55,000/year. Software at $396/year is a meaningful percentage of that income, every year, forever. And you do not own anything.
Your Tri-bureau dispute software with round-tracking is yours. You bought it once. Nexa works the same way — $279 once for invoicing, scheduling, CRM, time tracking, and full accounting. All connected. All offline-capable. You own it like you own your tools.
FreshBooks is just one piece. What else are you losing money on?
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Your exact FreshBooks cost, full stack total, and what switching saves. 10 seconds.
| Feature | FreshBooks | Nexa |
|---|---|---|
| Invoicing | ✓ | ✓ |
| Scheduling | ✗ | ✓ |
| CRM | ✗ | ✓ |
| Time Tracking | ✗ | ✓ |
| Full Accounting | ✗ | ✓ (SIMPL) |
| Task Management | ✗ | ✓ |
| Price | $33/mo forever | $279 once or 3 × $99 |
| 3-Year Cost | $1,329 | $279 |
| Stop paying? | Lose everything | Keep everything forever |
Most credit repair specialists are fully switched before the weekend.
Go to Settings → Export Data. Download clients, invoices, expenses, and time entries.
15-minute setup. Import your client list and expense categories from CSV.
Run both for 1-2 weeks. Verify invoice history and recurring invoices.
Cancel subscription. Download a final data export for your records.
Everything runs on the 30-day clock. Each morning I pull the latest reports and see what came back: a deletion, a 'verified as accurate,' or the worst one, an item I already removed that's been re-inserted. I work in rounds, and the whole job is knowing which round each tradeline is on across Equifax, Experian, and TransUnion for every client at once. A single client might have a charge-off on round two with one bureau, a deleted collection holding steady at another, and a late payment I'm hitting with a goodwill letter at the third. I draft disputes citing the actual inaccuracy, not a form letter, because the bureaus toss anything that smells like a mill. When a bureau rubber-stamps 'verified' I send a method-of-verification demand asking how, exactly, they confirmed it. Compliance is constant: CROA means I can't collect before I've done the work, every contract carries the three-day cancel, and I document service rendered before I bill. The reward is a screenshot from a client whose score crossed 700 and who can finally co-sign for their kid's apartment.
Real credit repair specialists near you who run their business on Nexa — book directly, no platform fee. Are you a credit repair specialist? Post your business and get found in your area — $2.99 one-time. Or browse every credit repair specialist on Nexa →
For solo operators and small teams (1-5), yes. Nexa includes invoicing, scheduling, CRM, time tracking, task management, and full accounting. FreshBooks may be better if you have a large team (10+) or need enterprise-specific features.
It's $7.75/month over 3 years. FreshBooks is $33/month — that's $1,329 over 3 years. Which is more? And if you'd rather split it, Nexa is also available as 3 payments of $99.
Yes. Nexa is $279 as a one-time payment, or 3 payments of $99 ($297 total). Either way it's a one-time purchase — no subscription, no recurring fees ever.
30-day money-back guarantee. Full refund. If Nexa doesn't save you $500 in year one, you get every penny back.
Export your data from FreshBooks as CSV, import into Nexa in about 5 minutes.
The average solo operator there spends about $2,016/year on software — and Credit Repair Specialist face their own version of that math. AL state licensing requirements apply.
Numbers reflect typical solo operators in the Mobile metro. Your situation will vary.
Specific gaps Credit Repair Specialists run into with FreshBooks, and what Nexa does instead.
$1,329 over 3 years. Or $279 once (or 3 × $99). Own your tools.
Get Nexa — $279 Once