Credit Repair & Restoration Service
Help clients improve credit scores and repair credit reports
Overview
Credit repair services generate $100,000-$600,000 annually with 70-90% margins.
In 2025, people need credit improvement for major purchases.
Revenue from setup fees ($99-$299), monthly service fees ($79-$149 per month), success-based bonuses, credit monitoring subscriptions, and financial education.
Services include credit report analysis and audit, dispute letters to credit bureaus, creditor negotiation and settlements, credit building strategies, financial education and counseling, and ongoing credit monitoring.
Successful services follow CROA regulations, dispute legitimate errors, educate clients on credit building, provide transparent realistic timelines, and help clients achieve credit goals.
People with credit challenges as clients.
Marketing through debt relief ads, financial education, mortgage brokers, auto dealers, online advertising, and credit education content.
Required Skills
- Credit Reporting Laws (FCRA, CROA)
- Dispute Process
- Financial Counseling
- Communication
- Customer Service
- Compliance
Pros and Cons
Pros
- Recurring monthly service revenue
- High profit margins
- Growing credit awareness
- Can operate virtually
- Help people achieve financial goals
Cons
- Heavily regulated industry (CROA)
- Cannot guarantee specific results
- Client expectations management
- Reputation concerns in industry
- Long timelines for credit improvement
How to Get Started
- Learn credit reporting laws and compliance (FCRA, CROA)
- Develop credit repair processes and systems
- Get bonding and business licensing
- Market credit repair services compliantly
- Audit client credit reports
- Dispute errors and negotiate with creditors
- Educate clients on credit building
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