Developed by : Freelancing Care

Sample Credit Repair Contract

5 Elements Your Credit Repair Contract Must Have To Be Successful

Running a successful credit repair business has a lot of elements.

For starters, you should have a business name, a tax ID number, and a bank account where you receive funds to pay for business expenses and to pay yourself.

But what about the contract between you and your client? They should be well informed of the service you are providing, the type of help to expect, and your policies for refunds.

If you provide one-on-one credit repair services to your clients, there are 5 elements that should be included in your contract in order for you to be successful.

  1. Contact information for your business and your client. This will ensure that you have your client’s complete contact information in case it wasn’t included on any online forms or collected by phone.
    • Having this information in the contract will make it easily accessible if you need to contact your client in the future for testimonials or for any other reason.
    • Be sure to put your business name and address for your business and not your personal information. When you run a business, you have to consider where your liability will go, and you want to keep all liability in your business.
  2. Describe the service being offered in detail. Despite what you may have discussed by phone, your client may not have a clear idea of the exact service they are receiving and miscommunication can occur. Be sure to spell out, in detail, exactly what your client will receive with the payment they are making so that they can be clear before they pay.
  3. A policy on refunds. Because my clients are paying for my time and consultation, the payment is not refundable, however, I will provide as much support as possible to ensure that the client feels satisfied about the service they received. Make sure this is detailed in the contract and if they have any questions, answer them before they pay.
  4. A clear time-frame for the service you provide. Is your service for an hour? 30 days? Does it have some permanent elements? Be sure to spell this out with dates and a timeline to give your client a clear picture of dates expected of them. Talk this out with the client before you send them the contract so that you can include what you discussed in the actual contract for their signature.
  5. A list of documentation provided. If you provide workbooks, worksheets, or any other documentation that comes with your client’s payment, be sure to include this in the contract as well. Miscommunications can occur over anything, so if it is not clearly stated in writing, it can cause a lot of problems in the future.

Consult the assistance of an attorney to help you create your contract in your state. The information provided in this article is for educational purposes only and should not be misconstrued as legal advice.

Good luck with your business!

You can download a sample copy of a credit repair contract here:

Download Sample Credit Repair Contract


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  1. This is an interesting look behind the scenes of the credit repair industry, very enlightening. Your insight into the credit repair contract is rock solid. A good contract protects each party and insures that there is a meeting of the minds. Dealing with finances can be confusing and emotional. It’s so important to clearly understand what to expect.

    • Hello G.C.,

      Thank you for commenting on my post. When you offer freelance credit repair services, it is important to have a good agreement that will protect you and your client. Many times your consultation will be emotional and it is easy to miscommunicate the service offered during emotionally charged conversation. The contract helps to ground both you and your client in the reality of the service that is being offered. Have a great day! :)


  2. Hello, Tamara. I learned a lot from Raise Your Credit Score. I learned that as long as you maintain a good credit history, you don’t have to worry about being disapproved for something that require good credit.

    I learned that Credit Awareness, Credit Health and Credit Goals are important areas that we need to have knowledge. When we build a good credit record, we’re clearing the way of being able to get the products and services we need that require a good credit record.

    Your site contains a lot of very good information on how to acquire good credit. I bookmarked your site for later reference. Your site is done is a very professional manner. Nice work, Tamara. Take care.

    • Hello Prince,

      Thank you for bookmarking and commenting on my post. I really appreciate it. I work hard to provide valuable content that is rare for other sites to provide. I am glad that you have found something worthwhile to come back to. Consciously creating goals for your credit not only helps you get approved for products and services, but helps you to build and pass on lifetime skills that have purpose so that you are confident in the skills you show others. Thank you for sharing your feedback with me!


  3. Interesting glimpse into Credit Mastery. I actually was glad to find some important points that could be included on contracts for other industries as well. Many of the points made here should always be clearly laid out on a contract so the information is clearly understood before one agrees and pays for services.

    • Hi and thank you for commenting. Yes, the most important thing about any contract for a service is clarity. Being clear and specific will protect both you and your client from anything unforeseen. Be sure to have your contract looked at by an attorney to ensure that it covers all necessary bases. This is for educational and informational purposes only, and not to be confused for legal advice.


  4. Nice tips on getting started in the credit repair business. I like the detailed list of what is needed to get started. You seem very knowledgeable. The credit repair industry is a wonderful way to help people get on track financially and better their lives. I offer financial tips as well on realgirlfinance.

    • Hi Cathy,
      Thank you for your comment. If more of us worked together to create a complete picture of financial education, there would be more people prepared for life’s ups and downs. I will check out your page.


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