WHAT IS THIS BUSINESS? Credit repair is a service business where you dispute inaccurate or unverifiable items on clients' credit reports on their behalf. You charge a monthly fee and work their file until results are achieved. All activity is governed by the Credit Repair Organizations Act.

IS THIS BUSINESS RIGHT FOR YOU? This is for anyone ready to invest $4,000 to $12,000 in proper legal setup and build a compliant service business. You do not need a finance background. It is not for anyone looking to cut corners on licensing or contracts. This industry carries fines up to $500,000 for violations.

WHY THIS BUSINESS Over 73 percent of Americans have errors on their credit reports and most do not know how to dispute them. At $99 per month per client, 30 clients generates $2,970 monthly and 100 clients generates $9,900 monthly. Established businesses with 200 or more clients sell for 1.5 to 3 times annual revenue. Demand is consistent because credit problems affect every income level and age group.

WHAT YOU'LL LEARN

• Set up your LLC, surety bond, and attorney-reviewed contracts correctly

• Send dispute letters using the right method for each credit situation

• Price your services, run Facebook ads, and build referral partnerships

• Scale from solo operator to a team handling 150 or more clients