Key Takeaways. Credit repair doesn't cost anything if you handle the process yourself. If you hire a credit repair company to assist you, you'll typically pay fees of $19 to $149 per month.

In the state of Texas, you can register your credit organization in compliance with the law. That includes the need for a surety bond that legally binds the state, a surety bond company, and your credit repair company. The state of Texas requires a credit repair bond from a surety company.

However tempting it may be to pay someone to undo damage, you are your own best resource. In short, no one can legally remove accurate and timely negative information from a credit report, and everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.