How to start run, manage and market a lucrative credit repair business

By Tammy Feldman

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start a credit repair business

To start a credit repair business is simple and your timing couldn’t be  better. A credit repair business has unlimited profit potential and is  inexpensive to start.  It’s a business that you can generally launch for under $500 and it’s easy to scale (if you follow the proven recipe for a successful credit repair business). Be your own boss, set your own hours, and work from home with just a computer or ipad, a phone, a nice professional outfit and some business cards.

How much money can I make with a Credit Repair Business?

The sky’s the limit, but in this business, you might actually make more by charging less. Remember, the goal is to scale your business. How do  you do that?  Slowly and methodically, with reasonable pricing, good service and happy clients who keep your service very long time.

Here’s an awesome Credit Repair Business Calculator for projections on pricing scenarios.

 Here’s how it breaks down:

  • The average credit repair company charges clients $59/month. Multiply that by 1000 clients and you’ve got recurring revenue of $59,000 each month. Scale it from there and you’ve got an empire. Some software users have as many as 10,000 clients.
  • Want to know how to build a lucrative credit repair business? Download our free guide: recipe for a lucrative credit repair business

Other local businesses will be eager to send you clients.

Why will they do this? Because it makes them a lot of money.  This is how you will scale your business.  Read on…

Great business startup opportunities are about timing

As America recovers from recession, most of America now needs your help. As a result of the failed economy, over 80 million Americans now have poor credit. Most don’t understand the credit reporting system and will gladly pay good money for someone to help improve their credit. Why shouldn’t that be you?

Home sales are heating up and there are great deals for home-buyers, but banks have become more strict and you cannot buy a home or refi without great credit.  This also creates an opportunity for the credit repair professional.

If you’re a Mortgage Broker, Realtor, Auto Dealer, CPA or Bookkeeper, your daily flow of customers will already need this type of assistance.  Increasing your client’s credit scores will help them to get their dream car or dream house (and if you’re a loan officer, it will increase your loan close rate).

Alternatively, if you’re an entrepreneur, simply introduce yourself to all your local loan officers, mortgage brokers, auto dealers, CPAs, etc, hand out your cards and recruit them to become your affiliates. They will make money by referring clients to you, and they will make even more money by closing more loans.  Each happy client will bring more referrals, and so the business grows.

The basic ingredients are: credit repair software, credit repair training, a business website, a few business cards and a simple business plan. This equals an entire business startup for around $500.  Success will be yours if you follow the time-proven recipe…


The Recipe for Success with a Credit Repair Business

By Daniel Rosen


Traditionally, a credit repair business follows a subscription-based business model where clients pay you a monthly fee for “document processing” and “credit education.” When we think of subscriptions, we think of newspapers and magazines, but another example are razor blades. Buy a razor and every so often you’ll to buy new blades for it.  The beauty of a subscription-based business model is that once you’ve got happy paying clients and a cost-effective way to attract more, your recurring revenue multiplies each month.

All successful subscription-based businesses follow the same recipe:

  1. Increase your flow of leads from affiliates, your website, word of mouth or pay-per-click ads.
  2. Minimize your workflow to handle more clients in less time (with less cost)
  3. Increase client satisfaction to extend the average lifecycle and revenue for active clients.
  4. When average revenue per client exceeds cost to acquire that client you have a scalable business.

Put the bulk of of your time and effort into taking care of your existing clients.

Yes, it’s important to increase your flow of leads, but always remember that the most valuable clients are the ones you already have.  Keep them happy.  Happy clients have the longest lifecycle and they’re also your best advertising.

The most important step to success with credit repair software is to understand the flow:

Credit Repair Cloud is a powerful tool to help you to scale a credit repair business. Once you enter a client into the system, the work is minimal. The software automates much of the work, reminds you to when to follow-up and monitors your clients, affiliates, your team and the overall health and profitability of your business.

The Flow:

  1. New lead appears in your credit repair cloud (from your website or your affiliate) or they call and you add them manually.
  2. Your salesperson converts that Lead to Prospect and then finally to Client.
  3. Creating a client profile is when you sent client portal login details to the client.
  4. Collect necessary documents from the clients (Photo ID, Utility Bill and Power of Attorney letter (optional)
  5. Order all 3 reports and scores (usually the client does this with an online service like PrivacyGuard.com)
  6. Examine the reports for for errors. If you’re using credit report import, tag and save all the items you wish to dispute so the client can monitor status in the client portal.
  7. Use the dispute wizard to create dispute letters to send to credit bureaus. Never dispute more than 5 items in a 30 day period. It’s best to kep it under 2-3.
  8. Wait for 30 days while the bureaus investigate and respond.  Items are either removed or verified
  9. If bureaus respond that the item is verified, challenge the verification. Lather, rinse, repeat.
  10. Occasionally communicate with creditors directly. Same rules apply.
  11. Add more affiliates that refer clients to you, add team members to do the processing to scale your business.
  12. Keep clients happy so they will continue monthly service and they will tell others how awesome you are.
  13. Monitor the business dashboard for trends such as unusual drop-offs of active clients or high churn rate as these are strong indicators of unhappy clients or a problem on your team.

Credit Repair Cloud has tools to manage your team, your clients, the affiliates who refer clients to you and the overall success and profitability of your business. It also includes tools to communicate securely with clients and affiliates with a secure portal they can log into for real time status of the progress of your work. You can view demos here: https://www.creditrepaircloud.com/features/client_and_affiliate_portal

The Bottom Line:

Building a successful business takes work and testing. Credit Repair Cloud has all the tools to manage your business, to minimize your workflow and maximize profits and scalability. If scaling a business is your goal, our software is the tool you need. If you’re not wanting to scale your business, software is not necessary.


The best tools to start a credit repair business

By Tammy Feldman


 The Best Credit Repair Software

start a credit repair business software



Try it free for 30 days at www.creditrepaircloud.com.

You cannot start a credit repair business without software. Software saves time, which makes it possible to scale your business. We recommend Credit Repair Cloud: The World’s first Cloud-Based Credit Repair Software CRM. Credit Repair Cloud will Import Credit Reports and Scores in seconds saving your hours of typing.  It also includes built-in private label credit repair client portal and access for your team, your clients, affiliates and leads. It’s everything you need to manage credit repair business and handle credit disputes faster than any other method. Because it’s cloud-based, all users have instant access from any computer, tablet or smart phone.  Try it free for 30 days at www.creditrepaircloud.com.


 The Best Credit Repair Training

American_Credit_Academy_Logo_smallWe recommend Credit Repair Training and certification at American Credit Repair Academy. Get a free mini training session with any purchase of Credit-Aid Pro Software or Credit Repair Cloud.


 Best Credit Repair Business Website





Get an Get an instant website with a professional credit repair business website template at MyCreditRepairSite.com.


 Best Merchant Account for Credit Repair Business

all-credit-cards-acceptedYou cannot use PayPal to take payments for your credit repair business.  PayPal will ban you.  If you want to accept credit card for Credit Repair Services, you must have a merchant account for credit repair business.

A credit repair business

  • Is a recession-proof
  • Excels during tough economic times
  • Is easy to run from your home
  • Can make you money immediately
  • Is easy to start with very little investment
  • Will bring in $700-$3500 per client (or more)
  • Pays for itself after just a few clients
  • Is a great supplement to your existing business and does a service for the community.

Credit repair as a business brings in new streams of revenue and passive income.

Credit Restoration as a Business

Mortgage brokers, loan officers, real estate agents and auto dealers use credit repair to generate new leads and close more loans. Many entrepreneurs use credit repair as an affordable home business that can earn them an additional $5000- $10,000 a month and more.

Learning the basics of credit repair enables you to start a new business immediately.

It’s something you can easily do in your home or office, because all you need is a computer, a mouse and a printer.

There has never been a better time in history to learn about credit repair.

Helping others repair their credit history and have a fresh new head start on life is extremely rewarding. While it’s true that consumers can do this very same work themselves, most do not want to deal with the aggravation of talking to credit bureaus to correct mistakes, handle disputes or negotiate with creditors. This is where you come in to handle all that for them.

start a credit repair business

Here are the steps to get started.


You are entitled to one free copy a year, and there are three major credit bureaus to see reports from: Equifax, Experian and Trans-Union.


We offer a copy of the Fair Credit Reporting Act right on our site. We also offer a free ebook with credit repair tips with every purchase of our credit-aid software. You can also download guides at the FTC web site:


Once you obtain your clients credit reports, you can then work with that client to correct any mistakes, acting as the intermediary between them and the credit bureau or creditor.


A credit repair company cannot “erase” negative items that are accurate and have been present on a credit report for less than seven years. However, many accurate but negative items can be removed with a bit of finesse if you learn the right negotiating tactics and approach the creditors and collection agencies in the proper manner.

Here’s the good news: 79% of all credit reports contain errors. This means that MOST credit reports contain errors. Those errors come off very easily with a few clicks of your mouse. Simply removing errors will improve a score almost immediately. Once you’ve accomplished that, you can further enhance a credit report by negotiating the remaining negative items.


The most common mistake more entrepreneurs make is in managing their time poorly. Time spent creating dispute letters and handling paperwork can eat up hundreds of hours and drop your hourly earnings very low. This is where software comes in handy. It can help you to work “smart” by saving you hundreds of hours by automating the process and giving you more off-time to enjoy your success.


Now that you have everything in place, it’s time to start promoting and marketing your credit consulting business.

You might call local credit repair businesses to get an idea of the services they offer and the types of fees associated with these services. In our own PRO software we give a breakdown of suggested fees. Some credit repair specialists don’t charge fees at all. For mortgage brokers and auto dealers the reward can be greater in generating leads and closing more loans. Go through all the information you can find, decide on your fees and services, and get ready to advertise.

It’s easy to create credit repair business flyers and business cards, either professionally or on your home computer. On the flyers, give a brief description about your services and contact information. Remember. Less is more. Post these flyers everywhere you can. You may also want to place small ads for your services in local newspapers, church newsletters, periodicals and with local merchants who deal with financing: mortgage brokers, real estate agents, auto dealers, etc.

Offer friends and family your credit repair counseling services for free, and then ask them for a letter of recommendation. This will quickly help to build your client base. Word of mouth is the very best kind of advertising.

You may want to consider giving credit repair and debt seminars and classes to help people to help themselves before they are too far in debt. Perhaps you might want to give talks at high schools and colleges about ways to stay out of debt. The students will go home with the information you have given them, and your business card or brochure, and tell their parents, who could end up as your next clients.


As a credit consultant, you should start to build your business locally before expanding too fast or going to the internet. If you build your credibility early, when you branch out, you will have experience and a history of customer satisfaction to back you up.

Stay honest with your clients. You are providing them with a very important service. They must trust you and your business. Credit repair can be confusing to many. Reassure and give them the information they want. This will enhance your credibility and increase your credit repair business well into the future.


Starting a credit repair business can be made much simpler with the help of Professional Credit Repair Software. Credit-Aid™ PRO stores your client information to merge into its database of letters, saving you many long hours of letter writing. For more information about credit repair software visit www.credit-aid.com or call 1-800-257-1192 for a free consultation. Be sure to ask about our current specials!

If you are looking to start a credit repair business, here are some ideas from folks having success with our software. Credit-Repair Business methods for revenue and here is our recommended software for starting a credit repair business

start a credit repair business

Additional resources:

Credit Repair Cloud (professional software for a credit repair business)
American Credit Repair Academy (Advanced Credit Repair Training)
MyCreditRepairSite (get an instant website for your credit repair business )
Credit Repair Client Portal (the most important tool a credit professional can have)
Free Credit Repair Business Startup and Marketing Guide

24 Responses to Home

  1. credit repair business dude says:

    This is a good business opportunity. Especially in this economic time credit repair business is a good choice. You can work from home and at you spend more time to your family. This is a good business for moms.

  2. this is a good business one can work from home

  3. mimi says:

    I want to know if with this software can run our customers credit? and How much is the software? If its unlimited or you hcarge per customer?

    Thank you

  4. lariat smith says:

    i would like to start a credit repair business

  5. Gwenita Pryor says:

    Want more information on starting my own credit repair business

  6. Ron Stone says:

    This business should be growing leaps and bounds due to all the unemployment and people struggling to keep up with their bills. Also, while anyone can repair their own credit, people are skeptical on whether they can accomplish this which should make this a nice business start up.

  7. Mike says:

    Yes, Credit Repair Truly Changed my life and I turned it into a full time business!

  8. richard says:

    I am intrested in starting a credit repair service and building business credit for my clients

  9. Elliott says:


  10. Starting a credit repair business is not that complicated as you think. It is more simple as long as your committed in what you are doing. Its good business for those people who are at home. Best for moms.

  11. Stephanie Ratliff says:

    I am intrested in geeting more info about the business of credit repair. I want to know how much money does it take to get started., It is grant money out there for a business such as this.

  12. senesi ernst says:

    please call me-661-480-4702

  13. claude gonsalves says:

    i really want to learn all the nuts n bolts of this business. ASAP I’m excited!

  14. Maria Marilyn R. Villarmino says:

    Is the webset offering to work at home not a scam. I am working for a long time at the office and want to resign and work at home using my own computer. Can you give or offer which is not a scam so hard to hard if it involve money for a start. Thank you and God Bless

  15. I think that this is an informative blog and I will tell others about it!

  16. Lii Toomalatai says:

    Help me get started, I have so many clients interested in buying homes here in Hawaii, but they have low fico score, 400-600.

    How can I help my clients, and be a credit consultant full time.

    warmest alohas,

  17. I am trying to start a credit repair business and I was wanting some tips how to advance my business and learn more about it

  18. Anthony says:

    Please send info as soon as possible.

  19. Tammy says:

    Many people have asked about pricing for the Credit Repair Cloud software mentioned here in this article. Links to pricing and info and a free demo are at https://www.creditrepaircloud.com Credit Repair Cloud is the world’s first cloud based credit repair software.

    Try Credit Repair Cloud free for 30 days at https://www.creditrepaircloud.com

    For a more info about how to start a credit repair business call Credit-Aid Software for a free consultation at 1-800-257-1192.

    For Credit Repair Training visit http://www.Americancreditrepairacademy.com

  20. joe says:

    Does this software give you the ability to run a prospects credit?

  21. Tammy says:

    Hi Joe,
    Sure, Im happy to answer. Credit Repair Cloud software does not run credit. It doesn’t need to and that’s not it’s purpose. Only the 3 credit bureaus (or their resellers) can produce a credit report for you. However, it’s in the best interest of your clients that you DO NOT run their credit. Client’s should run THEIR OWN credit reports so they wont suffer a ding on their credit score. It’s better for clients to sign up for Credit Monitoring like Privacy Guard http://www.privacyguard.com so they can see the progression of their score over the time you are repairing their credit. Privacy Guard has a $1 trial for 14 days with instant access to a 3 bureau report and scores. We also recommend a great service called Credit Karma http://www.creditkarma.com It’s 100% free, and have great information and a fantastic “what-if” credit simulator.

  22. Tammy says:

    We just added credit report import to credit repair cloud. It’s the most requested feature we have ever had and it saves you hours of typing. Try it free at http://www.creditrepaircloud.com

  23. cjdinapoli says:

    I am very interested. I am a very active realtor in Northern VA. I have a small team of agents. We are losing business from folks with bad or not so good credit scores. Somewhere they are getting someone to repair their credit and than we lose the business to someone else and another realtor, because we don’t help with the credit repair. I want to stop this now and start doing credit repair ourselves.

  24. Tammy says:

    Hi Chris, I hear you! Many realtors and mortgage brokers have figured out that credit repair will help them to sell more homes. Nearly 8 out of 10 credit reports have have errors, so the scores almost always jump immediately just after sending the first round of letters. You might want to take a look at the free ebooks on our Credit Repair Cloud site. They will give you a lot of great information on how to structure your business. Just click the link on top that says “Free Guide.” We also have a useful Credit Repair Business Calculator to run projections of scalability based on different pricing. That’s also free. But if you’re a realtor, you might not even want to charge for credit repair. Many do it for free with a goal to sell more homes. I hope this info helps! Have an awesome weekend!

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