One price, no surprises.
Twelve monthly instalments, then we ask whether you want to stay. No commission on limits, no fee per letter, no small print. Everything is here — including what it costs to do it yourself.
Four personal plans and your credit report
Every plan explains your credit report in plain language. The report itself is not included: add it at the customer price of €74 (€149 on its own) or upload a data copy you requested yourself. The difference is how much FIAON takes on afterwards: letters to send yourself or sent by FIAON, deadlines tracked, a current account and card prepared, priority on queries.
What doing it yourself costs
Everything FIAON does you can do yourself — the data copy under Art. 15 GDPR is free and the law is public. The question is what your time is worth and how often you will have to chase. Our calculator on this page compares registered letters, hours and a lawyer's fee with a twelve-month plan.
How you pay
Every instalment by bank transfer, the first and all further ones (payment details with a QR code in your customer area and in every payment e-mail). No credit card needed. Prices include VAT. The bank decides on account, card and limit.
Frequently asked questions
How long does the contract run?
The contract runs for twelve monthly instalments — that long because reports, letters and replies take time. After that it continues indefinitely and can be cancelled at any time with one month\x27s notice, informally: in your customer area under Subscription & payments or by e-mail. The statutory 14-day right of withdrawal from the conclusion of the contract applies in addition.
Is the credit assessment included in a plan?
For new plan customers the credit assessment is included in the plan — it is the step before our partner bank's link for your card application. On its own it costs €149 one-off, with a running plan €74 — no subscription (the company credit report: €349 on its own, €199 with a plan). It shows your creditworthiness as a bank sees it — from your own bank statements. All we need is your ID and your bank statements for the last three months; after ordering you get a link to upload them — no login needed. The credit assessment is not a report from a credit bureau and not a credit score. You can request your free data copy yourself at any time — upload it and we will include it.
Are there fees per letter or success commissions?
Not for you — neither per letter nor on deletions, accounts or card limits. The plan price is the price — for new plan customers the credit assessment is included. Registered-letter postage, follow-up, escalation — all included. If you open an account via our partner bank's application link, FIAON receives a fee for it; this costs you nothing.
How do I pay?
Every instalment by bank transfer — the first and all further ones. The payment details with a QR code are in your customer area, and bank details and payment reference are also in every payment e-mail. No credit card needed, no payment in advance for services not yet delivered.
Can I change plans?
In the application, in the onboarding call and upwards at any time afterwards; downwards from the next instalment cycle. The plan finder on this page gives a first orientation — the final choice is discussed in the onboarding call.
What if all my entries are justified?
Then we tell you so once your data copy is in — and you decide whether to continue. Even with justified entries there is a way forward: settled markers, instalment agreements with a waiver of reporting, the current account, your payment history. Only deletion is off the table then, and we do not promise it.