All the common questions we receive on one page!

A credit repair business can be run ethically and earn big profits. It’s an inexpensive business to run, and there are millions of people who need your help. Launching any new business and learning new software takes time. Our software simplifies and speeds up the credit repair process. That’s why we’re the leader in this business. Scroll down to find ALL the frequently asked questions!

Many companies that use our software use this same workflow. Try it yourself!

Click on the image below to see the chart in full size.​

Click here to download a PDF copy of this chart

Yes, credit repair is legal, and it works because of the law. The law is the Fair Credit Reporting Act, set up by the FTC to protect consumers. The FCRA gives you the right to dispute any item on a credit report. If that item cannot be verified, it must be removed. That is the foundation of all credit repair.

We’ve created an introductory article that explains it really well!

Close to nothing. This is a very affordable startup. All you need is a computer and a phone. To learn more about federal and state laws and other helpful information about your state, we’ve gathered all the publicly available data and compiled them for you here.

Credit repair can be highly profitable, but it’s hard work. This is not a get-rich-quick scheme. But if you have a head for business and are good with people, this is a fantastic field. Here's an ROI calculator that will give you an idea of how lucrative a recurring revenue business can be.

The sky’s the limit, but in this business, you might make more by charging less. Learn more here.

We recommend signing up for Billsby! Billsby is a Recurring Billing & Subscription Management Software that automates the monthly charges from your client’s card. To learn more about Billsby, please click here.

It’s not our place to tell you how to run your business, but some states will want you to charge after work is done instead of before.

How do you make money that way? Easy: Do some work, and then get paid for the work you’ve just done! Remember, you will get paid for “Document Processing” and “Credit Education” and not to “raise scores.”

This is how all successful credit repair companies get paid:

By using the law in your favor. Please read this article, it explains this in a few simple steps.
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Hooray! We created a great article that will walk you through processing your client into the software and next steps.

Your client orders their reports.

No, not when they order their own reports.

Learn how to import credit reports here.

Our software can import credit items from these credit report providers:

Most of these providers charge $1 for a trial with instant access to all three reports and scores. We recommend that you have your clients maintain their credit monitoring service for as long as necessary, as this will help you through the credit dispute process.

In this case, you are going to have to import the dispute items manually. To read more on this subject, please click here.

Always start in the Dispute Wizard and always begin with a Round 1 letter sent directly to credit bureaus. The content in this letter is always the same, so you don’t need to worry about that. Just use the Default Round 1 Letter in the Wizard for a quick process that will get your client’s credit repair started (along with your revenue stream). Click here for more details.

Send as few as possible and never more than 5 per month per bureau. This will keep your letters from being flagged as frivolous.

You only need to send them with a Credit Bureau Round 1 dispute. You do need to send a copy of a government-issued photo ID. If your client does not have a Utility bill, an insurance bill will also work or even a phone bill. They must see some official proof of address, or they will often reject the dispute letter.

Most companies sign and send letters on behalf of the client. The client is paying you for document processing, so this is all part of the service you provide.

Absolutely not. Credit Repair Letters are sent “as if” they are from the client, so this will be a red flag unless the client is an attorney. The best dispute letters are simple and short and state facts as concisely as possible.

This is up to you. Sometimes you might want to send regular mail (like for a round 1 letter), and other times, you might want to pay extra for certified mail for tracking if the bureau/creditor is stalling or if it’s an important letter.

Snail mail is how credit repair works best. This is the same method used by the largest credit repair businesses in America who make hundreds of millions of dollars. To learn more about this, click here.

Credit Repair Cloud does not cause the issue of our URL and name showing on the footer header your dispute letters. The settings in your web browser cause this. The fix for this is straightforward and fast. Learn how to fix it by clicking here.

After you send your first round of letters, you should receive a response from the bureaus. Depending on the response, you can continue the dispute process with a follow up letter, also known as a round 2 Letter.
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​To learn more about the next steps after round 1, click here.

Yes, you can! Optionally, you can also manually update the status of the dispute items if you don't want to do a re-import. You can learn more here.

Give them awesome service and educate them. Read more about educating your clients by clicking here.

Unfortunately, we’re not an email marketing platform, nor we have the tools for it. Email marketing is something you can do on your own, outside of Credit Repair Cloud.

Feel free to check the related articles linked below:

Each state is a little different. Check with your state and consult an attorney. To learn more about federal and state laws, as well as other useful information about your state, we’ve gathered all the information that is publicly available and compiled them for you here.

We’ve never heard of a license specifically for credit repair. We do have a “business license” with our city, which cost us $99 in our first year. Our neighbor, who owns a flower shop, also has one. That being said, laws vary from state to state, so check your city and state for local requirements.
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While we currently do not have a dedicated mobile app, our platform is fully optimized for mobile use. You can access all of our features and functionalities through your mobile browser. Simply open your preferred browser on your mobile device, navigate to our website, and log in to your account as you would on a desktop.

A few states require them, but you only pay a fraction of the cost if one is needed. Click here to see if your state requires a bond. Bonds Express can answer any questions you may have about bonds.

There are a few tips we would like to share with you about this side of the business:

If we missed your question in this FAQs document, please feel free to email our awesome Support team at [email protected].