Simply put; it depends. The number and nature of the erroneous and negative items found on your report is a factor in the cost to repair your credit. Smith & Garg is a full-service law firm that charges by the hour to repair your credit and the process of credit repair is not inexpensive. However, the cost of inaction, either through higher interest rates or in the inability to grow your business or personal financial situation, can be considerably higher. The Smith & Garg credit repair attorneys will handle your case in a competent and diligent manner.