Best credit repair courses in 2026 - learn the business or fix your own credit

If you’re here, you either want to fix your own credit score or start a credit repair business. Both are solid goals, and the good news is you don’t need to spend a fortune on either one. Here’s what I found after going through the best options on Whop and Skool.

Best courses for fixing your own credit

Credit Repair Kings (Whop) - free community

The best starting point if you want to fix your own credit. This free Whop community gives you expert insights, dispute strategies, and access to people who’ve actually done it. You’ll learn how to pull your reports, identify what to dispute, write effective letters, and deal with collectors — all without paying a dime upfront. The community format means you can ask specific questions about your situation instead of watching generic videos.

Best for: People who want to DIY their credit repair with real guidance from experienced members.

Credit Skool (Skool) - free

Shows you exactly how to fix credit yourself. Simple positioning, no paywall to get started, and Skool’s classroom format makes the content easy to follow. A solid complement to Credit Repair Kings if you want a second perspective.

Best for: People who want a structured, self-paced approach to fixing their credit.

Free YouTube + AnnualCreditReport.com

Don’t underestimate free resources. Pull your free reports from AnnualCreditReport.com, watch a few YouTube tutorials on the dispute process, and start sending letters. The process isn’t complicated — it just requires persistence. When you’re ready to get more serious or hit a wall, join a Whop community like Credit Repair Kings where people can help with your specific situation.

Best for: Total beginners who want to start immediately at zero cost.

Best courses for starting a credit repair business

Credit Repair Kings (Whop) - free community

Free Whop community focused on credit education with expert insights and community support. Great low-risk starting point to see if the credit repair business model interests you. Like most free communities, expect some upselling to premium content, but the free tier gives you enough to understand the landscape.

The Perfect Credit Club (Whop)

Offers courses in “credit mastery” with a focus on efficiency. Includes community features where members submit ideas and vote on content. Sits between personal credit repair and business building.

KM Credit Academy / KingdomMinds (Whop) - free course available

Free credit and funding course with an affiliate program attached. Decent introduction, though the goal is clearly to convert you into premium or recruit you as an affiliate.

Credit Skool (Skool) - free

Shows you exactly how to fix credit yourself. Simple positioning, no paywall to get started, and Skool’s classroom format makes the content easy to follow.

Just Trust The Process (Skool)

Specifically marketed as “the #1 credit repair and funding community for real entrepreneurs.” Covers launching a credit repair business, fixing credit yourself, and securing business funding. One of the few communities that explicitly targets aspiring credit repair business owners.

Best for: People who want to turn credit repair into a business, not just fix their own score.

A business model worth considering

One interesting approach from a Reddit post: instead of the typical $99-$150/month recurring model, offer a one-time $150 strategy session where you break down the client’s credit report and teach them the dispute process. Or do pay-per-delete pricing where clients only pay when items actually get removed. Builds more trust and referrals than dragging things out over months.

Pricing overview

My recommendations

Fix your own credit: Join Credit Repair Kings on Whop (free) and start disputing. Pull your free reports from AnnualCreditReport.com, identify what needs to go, and use the community’s dispute strategies. It’s not glamorous but it works.

Explore the credit repair business: Join Credit Repair Kings on Whop (free) or one of the free Skool communities. See how people in the space operate. Then decide if you want deeper training.

Whatever you do: Don’t spend $5,000+ on credit repair education. The information isn’t complex enough to justify it. Spend that money on building your actual business instead.

Last updated: January 2026. Prices and availability may have changed since publication. We research courses using public reviews, community feedback, and platform data. Some links on this page are affiliate links.