Check this first
Check the engine oil level and when it was last changed – this code is often just dirty or low oil.
A rattle for a second or two on a cold start points at the phasers or chain rather than the oil.
What usually fixes it
In the order a good shop checks them. Typical total: $102–$2,200 at $130 an hour.
Oil change with the right grade
$107–$218The cam phasers are moved by oil pressure, so old or low oil upsets them first.
Variable cam timing (VCT) solenoid
$144–$342The screen clogs or the solenoid sticks, so the phaser can't hold its angle.
Cam phaser
$668–$1,431Worn phasers rattle on a cold start and set this code.
Timing chain and tensioners
$1,132–$2,200A stretched chain changes cam timing; usually noisy at idle.
Code titles are the generic SAE definitions. Prices are typical US parts and labor for a common car or light truck – a guide for judging a quote, not a quote. Always confirm a repair against the vehicle in front of you.