Credit Repair Business Salary

J

Johnson JAY

Member
Thinking about starting a credit repair business, and I’m trying to get a realistic idea of what kind of income people are actually making in this space.

I’ve seen everything from solo operators making a few thousand a month to companies pulling in six figures or more, but it’s hard to tell what’s hype and what’s legit. I’m especially curious about what a typical salary or take-home pay looks like once you factor in things like software costs, marketing, and client acquisition.

If you’re currently running a credit repair business or have in the past I’d really appreciate hearing what the income side looked like for you. Was it steady? Did it take a while to become profitable? And was it worth the time investment?
 
Ran my credit repair biz solo for 3 years. Started super slow maybe $500/mo in the first few months. But once i nailed down a referral system with local mortgage brokers, it scaled to $7k–$9k/month consistently. After software ($179/mo), CRM, ads, and taxes, take-home was closer to $4,000. You really have to hustle for clients early on. If you're not into sales, it’ll be tough.
 
Anyone saying they make $50k/month with just a laptop and “a dream” is probably selling a course, lol. I've been around this space and yeah, you can make good money, but it’s not passive. Client disputes are repetitive, people ghost, chargebacks happen and credit bureaus drag their feet. It’s a grind not a goldmine.
 
I did this part-time while homeschooling my kids. Pulled in about $2,500–$3,000/month. Not amazing but for part-time work from home, i felt it was fair. Biggest expenses were software and advertising....Facebook ads ate my budget fast. Word-of-mouth was way more effective.
 
Started with CPN clients and learned the hard way don’t mess with shady tactics! Pivoted to legit credit education + repair and eventually built up to $8k/month in revenue. Now i sell ebooks and training too. It's totally scalable if you’re compliant and ethical. Also…get an attorney. Just trust me on this.
 
Following this thread because I just bought Client Dispute Manager and I’m in month 1. Zero clients so far. I’m trying to network with realtors and auto dealers but it’s hard to gain credibility. Anyone have tips on how to get those first few paying clients?
 
Made over $300k last year in gross from credit repair + tradeline sales + business credit setup. But and this is big overhead is real. My office lease, software stack, virtual assistants, and ad spend brought my actual net down to around $115k. Still worth it, but not as flashy as the IG coaches make it seem.
 
I went viral once and made $12k in a single month. But the next month? $1,500. The biz is way more volatile than people think. If you're relying on trends or social platforms for leads, expect income to bounce around hard unless you have systems in place.
 
Honestly i quit. Too many clients with unrealistic expectations. Everyone thinks their 400 score is gonna become a 750 in 30 days. Got tired of the why is it taking so long? emails. It pays sure but mentally draining unless you really love coaching people.
 
I serve Spanish-speaking clients and that niche has been a HUGE opportunity. Hit 6 figures in my second year just from local word of mouth and FB groups. Zero ad spend. Community really matters. If you’re bilingual tap into it.
 
It took me a solid 9 months to break even. I was spending more on Canva, Calendly, RingCentral, credit monitoring software, and subscriptions than I was bringing in. Once I hit 15+ clients consistently, that flipped. But yeah prepare for a slow start unless you have a warm audience.
 
Ran Facebook ads targeting first-time homebuyers.....super effective. But CPC went up like crazy in 2023. Had to learn retargeting and funnels just to stay profitable. If you’re not comfortable with digital marketing you’ll either waste money or plateau early.
 
Started with 2 clients. Now I do $15k/month and teach others how to build biz credit too. Just don’t buy into hype courses. Most of the info is free if you dig. Biggest tip? Focus on building trust. The industry has a lot of scammers, so legit players shine.
 
My setup is super lean. I use Credit Repair Cloud + Google Sheets + referrals from tax pros. Cleared $40k last year, working maybe 20 hours/week. It’s possible—just don’t overthink software. Start simple.
 
I’m in the trades but i do credit repair for coworkers on the side. Just word of mouth. Usually make an extra $500–$800/month. It’s a solid supplement but not something i’d do full-time. Too much desk work lol.
 
I travel full-time and run my biz remotely. Mostly use Loom videos + email support + automated letters. Makes around $4,500/month net. Biggest challenge? Internet access in random Airbnbs but it’s doable if you want location freedom.
 
Been doing this part-time for 2 years while holding down a 9–5. On average i bring in $1,500–$2,000 per month net. I don’t spend much on ads most of my clients come from referrals. I tried Facebook ads and honestly just flushed $400 before I got a single lead. What’s been working for me is local networking and partnering with real estate agents and loan officers. That alone keeps me booked enough to be worth the side hustle hours.
 
I ran one for 2 years and honestly i hated it. Too much client hand-holding, chasing results and constant updates. Made $4k/mo but felt like a therapist with none of the training
 
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