A Credit Repair business is an attractive low overhead business opportunity with plenty of income potential. Consultants work part-time from home, as a full time enterprise, or combine credit consulting services with their current mortgage or real estate businesses.

Starting your own credit repair requires no special equipment other than a computer with internet connection and a reasonable investment in training, software, and marketing materials. Many consultants choose to work from home making credit repair a popular occupation for stay at home moms and others seeking flexibility in their work schedules.

Each year the demand for credit repair services increases exponentially:

• Over 80% of U.S. Consumers 18 years or older have inaccuracies on their credit reports. 
• Over 54% of senior citizens have never seen their credit reports. 
• Credit Identity Theft is the fastest growing crime in America. 

Millions of people suffer from bad credit and don't know where to turn. As a Certified Credit Consultant, you can help thousands of people obtain lower interest rates on credit cards, mortgage, and car loans by improving their credit situation. People will gradly pay for an effective, legal solution that improves their credit scores.

Starting A Credit Repair Business

There are many firms on the Intenet offering credit repair business opportunities. These offers generally fall into three categories:

• Affiliate/Referral Programs - you refer customers to their credit repair business and they pay you a referral fee.
• Software Based Programs - you buy access to a credit repair software program that may or may not include training.
• Training Manuals/Online Courses - You purchase access to training materials of varying quality.

Ask yourself this:

Why do those attending SSCC training receive six manuals with over 1,000 pages of documentation if these short online manuals and videos really cover everything you need to know? 

A person who has some success with repairing their own credit lacks the experience of someone who has worked with thousands of clients. Some claim that "credit repair is not rocket science... anyone can do it." This is not a wholly accurate claim. Anyone can write a basic dispute letter. However, creating dispute letters is only a part of the credit repair and education process. Clients demand a lot more than dispute letters when they are charged fees of $500 or more.

Other gimmicks used to sell these programs:

• Free Website - Usually a watered-down clone of the firm's website with no unique content. These do not rank well in the search engines and therefore do not produce leads. Giving something away that is worthless in the first place does not add value to their offer.

Being Realistic About the Costs of Starting ANY Business

If you think spending $500 or less on any of these offers will result in you achieving an income of $60,000+ per year with no additional effort... I have a bridge to sell you too!

Starting and marketing a successful business requires a monetary investment and a real committment. Credit repair is an excellent choice for potential entrepeneurs because the startup costs are modest compared to other ventures.

Startup costs for a legitimate credit repair business generally range between $6,000 and $15,000 dollars. A significant portion of these costs may be tax-deductable. While most new businesses will need at least three years to become profitable, motivated credit consultants have re-couped their initial investment within months of starting their business.

Evaluating Credit Repair Business Opportunities

Before buying into one of these programs, ask yourself these ten questions:

1. Will the program discuss business licensing and bonding requirements or will I have to research all this myself?
2. Will the program educate me on how to structure my business and choose the correct business type (sole proprietor, corporation, LLC etc.)?
3. Will the program offer all the forms, contracts and materials needed in day-to-day business operations?
4. Will the program offer me a way to pull credit reports myself and charge for them?
5. Will the program offer a software program for automating common tasks?
6. Will the program offer me ongoing support if I run into a problem I'm not sure how to handle?
7. Will the program offer ways to effectively market my new credit repair business and create a client base?
8. Will the program offer me the knowledge to do more that create dispute letters?
9. How much actual experience in the credit industry does the person or firm marketing the program actually have?
10. Will I receive updated training materials and information when there are changes in industry regulations?

If you are serious about pursuing credit consulting as a career, you need a training program that provides all this and more.

The SSCC Certified Credit Consultant™ training program was developed by Valeri James, a veteran of the credit repair industry. In her 22+ years of experience in helping thousands of clients obtain better credit she has dealt with every credit problem imaginable.

Our training program includes an intensive 3 day hands-on session which educates you on every aspect of starting and managing a successful credit repair business.

To learn more about our credit repair training program click here.

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