THE NO JOB LIFESTYLEHow This Calculator Works
Cash you need to start = one time costs + monthly costs × the months before steady client payments. Clients to break even = monthly costs ÷ what one client pays per month, rounded up. The default numbers are examples only. Swap in real quotes for your area.
Why The Runway Matters
Under the federal Credit Repair Organizations Act, a credit repair company cannot take payment before it fully performs the service it promised. That means your first months of software and marketing come out of your own pocket. Many states also require registration or a bond, so check your state's rules first.
Where To Go Next
Read our guide on how much it costs to start a credit repair business, compare tools in the best credit repair software, or see the full free credit repair business path. More tools are on our free tools page.
Questions People Ask
How much does it cost to start a credit repair business?
Most of the cost is software, marketing and any state bond or registration. With the example numbers on this page it is about $1,450 up front plus about $540 a month. Type your own numbers to see your total.
Do I need a surety bond to start a credit repair business?
Some states require credit repair companies to register and post a surety bond, and the rules and amounts differ by state. Check your state attorney general or consumer protection office before you start.
Can a credit repair business charge clients up front?
No. The federal Credit Repair Organizations Act bans charging before the promised service is fully performed, so plan for costs before client payments come in.
How many clients do I need to break even?
Divide your monthly costs by what one client pays you each month. The calculator does this for you. It is math only and not a promise you will find those clients.