One thing I’m noticing more and more is people asking: “How much do you charge for credit repair?” But the real answer is: “I need to see the file first.” Because every credit file is different. One person may only need one strong round. Another person may have: • collections • charge-offs • recent late payments • high utilization • personal information issues • thin file problems • accounts that should be left alone• accounts that need creditor or collection agency disputes too If you quote blindly, you can easily undercharge a difficult file or overcharge someone who only needs light cleanup. That’s why I teach file review first. Before price. Before promises. Before random dispute letters. A real review should tell you: • what’s hurting the score the most • what should be attacked first • what should be left alone • what the timeline may look like • what rebuild steps need to happen during repair • and whether full service even makes sense This is also how you build more trust with leads. Instead of looking like you’re just trying to collect payment, you show them that you actually want to understand their situation before recommending anything. That separates you from people just selling credit repair. The goal is not to quote fast. The goal is to diagnose correctly. Because once you understand the file, the price presentation becomes easier. Homework: The next time someone asks, “How much do you charge?” don’t rush to price. Respond with: “My pricing depends on what’s actually on your credit report. I like to review the full 3-bureau report first so I can tell you what’s hurting your score, what I’d attack first, what timeline makes sense, and whether my program is even the right fit.” That one shift can change the whole conversation