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How to Start a Credit Repair Business


Cost of starting a credit repair business

Roughly $200

Bond Requirement

$0 - A bond is not required in this state

Potential average profit

$20,000 monthly

Credit Repair Laws in Georgia

There are federal and state laws for Georgia. You should be aware of both.

Federal Laws

The Credit Repair Organizations Act (CROA) is a federal law passed in September 1996 that regulates organizations whose purpose is increasing consumer’s credit score through credit repair. One of the most important things the CROA did is make it illegal for credit repair organizations to make false claims. Don’t worry though, staying compliant is pretty easy after you get familiar with the law! This law is moderated and enforced by the Federal Trade Commission (FTC), so the FTC has the authority to close down any credit repair organizations that are operating outside the parameters of these laws (like fraudulent or illegal activities).

The main sections include mandates that:

  • You can’t misrepresent your services (no false claims about what you will do for the client and definitely no promise of working and then not doing the work).
  • You must provide a written contract between you and the client that the client signs.
  • Your clients have three days to cancel the contract.
  • You can’t charge until services are rendered (most companies will do some initial document processing and then charge the client for the work they have just done).
  • Consumers can sue and get refunded all money paid (plus legal fees and damages)  if the credit repair organization is found to have violated the CROA with that consumer.
  • State laws can’t change or render any of the CROA ineffective.

Simply put, these laws were put in place to protect people from credit repair companies using scammy business practices. As long as you’re not trying to be sketchy and scam people, you should be able to stay compliant easily!

To read the Credit Repair Organizations Act in full, visit the United States House of Representatives’ record of the act here.

State Laws

Georgia has laws that govern how to start (and run!) a credit repair business in Georgia. Here are the relevant regulations and Georgia laws governing credit repair businesses that you need to be aware of:

Georgia State Laws

Ga. Code Ann., § 16-9-59
Operating credit repair services organization

§ 16-9-59. Operating credit repair services organization

Title 16. Crimes and Offenses

Chapter 9. Forgery and Fraudulent Practices

Article 4. Fraud and Related Offenses

§ 16-9-59. Operating credit repair services organization

(a) As used in this Code section, the term:

(1) "Buyer" means any individual who is solicited to purchase or who purchases the services of a credit repair services organization.

(2)(A) "Credit repair services organization" means any person who, with respect to the extension of credit to a buyer by others, sells, provides, or performs, or represents that he can or will sell, provide, or perform, in return for the payment of money or other valuable consideration any of the following services:
(i) Improving a buyer's credit record, history, or rating;
(ii) Obtaining an extension of credit for a buyer;
(iii) Providing advice or assistance to a buyer with regard to either division (i) or (ii) of this subparagraph.

(B) "Credit repair services organization" does not include:
(i) Any person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States ;
(ii) Any bank or savings and loan institution whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation;
(iii) Any nonprofit organization exempt from taxation under Section 501(c)(3) of the Internal Revenue Code of 1986;
(iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license;
(v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney;
(vi) Any broker-dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker-dealer is acting within the course and scope of those regulatory agencies; or
(vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681-1681t).

(3) "Extension of credit" means the right to defer payment of debt or to incur debt and defer its payment, offered or granted primarily for personal, family, or household purposes.

(b) A person commits the offense of operating a credit repair services organization when he or she owns, operates, or is affiliated with a credit repair services organization.

(c) Any person who commits the offense of operating a credit repair services organization shall be guilty of a misdemeanor.

Laws 1987, p. 1413, § 1; Laws 1988, p. 13, § 16.

Case Law

I identified only one case construing the act. The annotations contained the following note:

There is no irreconcilable conflict between the provisions of the credit repair law set forth at O.C.G.A. § 16-9-59 and the provisions of the debt adjustment law set forth at O.C.G.A. § 18-5-1 et. seq. with regard to their effect on the operation of consumer debt counseling services by nonprofit organizations exempt from taxation under § 501(c)(3) of the Internal Revenue Code. Although exempt from the credit repair law, such organizations are prohibited from engaging in the activities proscribed by the debt adjustment law. Op.Atty.Gen. No. U97-6, Jan. 31, 1997.

For additional information about starting a credit repair company in [STATE] contact your state or an attorney.

Requirements for Surety Bond for Credit Repair Business in Georgia


Statute of Limitation on Debt in Georgia

Georgia credit repair businesses must be knowledgeable about the statute of limitation governing debt in Georgia because this will guide your business decisions and enable you to best help your clients. The statue of limitations essentially limits the time that a creditor can legally sue a consumer for payments for a debt. Statutes of Limitation (SOL) do vary by state and debt type. In general, it is usually between 3 to 6 years, but sometimes longer.

Learn more about the statute of limitation laws for your state

Check SOL by State

Georgia Credit Repair License

We’re not aware of a state requirement for a “credit repair license” to operate a credit repair business in Georgia. However, many find getting training and a certification useful because it:

  • Conveys competence to prospective clients
  • Helps gain the trust of clients
  • Arms you with the training and tools you need to help clients and build a recurring revenue model

The American Credit Repair Academy http://try.creditrepaircloud.com/academy/; offers training, resources, and credit repair certification

Market Potential for a Georgia Credit Repair Business

Market Temperature:

0 1 2 3 4 5 6 7 8 9 10
Percentage Of Credit Reports That Have Errors


Total Number of People Living In Georgia

10.31 Million

Average Debt on Credit Report


Percent of Population With Credit Scores Below 700


Percent of home buyers getting a mortgage for their home purchase


How to Profit with a Credit Repair Business in Georgia

1. Start

  • Get a powerful CRM that handles your business for you
  • Train and learn about the business
  • Create a professional website
  • Market your business to new clients

2. Run

Use software to automate the tasks of a credit repair business in Georgia:

  • Import clients’ credit reports
  • Generate dispute letters in seconds
  • Manage recurring payments and affiliate programs

3. Grow

  • Capture new lead and close more deals
  • Use the data you gather to scale your business
  • Automate more functions: signature capture, payment integrations, meeting scheduling, and more

All of this is available with Credit Repair Cloud


Frequently asked questions

Is it illegal to operate a credit repair business in Georgia?

Short answer: No, it is perfectly legal to profit from credit repair in Georgia. However, Georgia handles credit repair very differently than all other states. Only certain types of professionals; Non-profits and attorneys are allowed to help clients with their credit. The state of Georgia also has very specific laws regulating credit repair services that a company is allowed to offer. In keeping with ethical business operation, Georgia law prohibits credit repair companies from advertising and offering services that purport to remove accurate negative items from a person’s credit report. In other words, you cannot offer to do magic tricks and get things removed from a person’s credit report that belongs on it. Credit repair professionals do thrive and prosper in the state of Georgia, but we recommend contacting an attorney within your state to make sure you are compliant with state and federal guidelines.


start a credit repair business in Georgia

You can reach out to Derrick Harper, Sr. of Point Boosters Credit Repair for some tips on starting your Georgia credit repair business (although we still recommend you consult with an attorney before making your business official).

How do I obtain a business license to run a Georgia credit repair business?
When you start any type of business in Georgia, you can reserve your chosen business name through the Secretary of State (via snail mail or online) while you are going through the administrative processes. Next, you can research what local county or city regulations you need to follow, such as registering for a Georgia State Tax ID number, and visit Georgia’s First Stop Business Information Center.

What Other Credit Repair Businesses Say


Laredo, TX

We have a tax preparation business. My partner and I decided to branch out into credit repair. Credit Repair Cloud now helps us to build our customer base for the tax business. It is a wonderful tool for lead generation. Credit-Aid provides superior customer service. You have gained a customer for life!


Houston, TX

I love your system! This was the best investment ever and the customer service with Credit Repair Cloud is excellent. You have a very good team. I wish companies were just like you. I've tried everybody out there and your system is very powerful. Thank you for helping me. God bless you!

Join our next free training!

How to Quickly Start a Profitable Credit Repair Business


Secret 1

How Credit Repair is the LOWEST COST & MOST PROFITABLE business you can launch. . .

Secret 2

How our step-by-step “Dispute Process Blueprint” gives you EASY Credit Repair Results without being a credit expert. . .

Secret 3

How our easy method gets you UNLIMITED Clients without paying for advertising. . .

Legal disclaimer: Our software products and resources offer credit information, not legal advice. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney, your city or your state.