Actually, I think it's a very lucrative opportunity, and have been toying with the idea myself. Perhaps more of a credit consultant than credit repair, but a little bit of both. There are MANY things I know about credit building/repair and general FICO score information that the average person on the street simply does not. On this forum, perhaps, but on the street? To use the random statistic made up on this thread, 9/10 frum people know absolutely nothing about credit. This forum is the exception, not the rule. Even many churners I know don't fully understand the finer points of credit, they just know what they need to get by, and lots about individual credit card bonuses! TBH, most of what I know comes from Dan's posts and this forum (over years of reading, and about a year of being an active participant myself). There is alot of knowledge out there! But many people don't have the time, knowledge, or savvy to go about this themselves, and would prefer to pay a fee to have a professional deal with it. As long as you're completely honest and trustworthy, and build a good name for yourself via word of mouth, you should be totally fine. So to answer the question that began this thread (best first post EVER, by the way), as your potential competition: Go for it. There's a lot of room for this, it's a great way to make money and simultaneously help many people who really need it!