Even though debt levels in the United States are improving, many people continue to suffer from excessive debt and terrible credit. According to Experian’s 2020 Consumer Credit report, 31% of Americans have a “fair” or lower credit score, indicating that many people are looking for help.
Credit repair programs are one option. Credit repair programs help clients by disputing false credit report accusations on their behalf and then counseling them on how to improve their credit score.
If you’re a personal finance blogger, joining an affiliate for one of these companies is a terrific opportunity to help your readers while also making money.
The following are the best credit repair affiliate programs to look into.
Best Credit Repair Affiliate Programs
1. CreditRepair.com
2. DisputeBee
3. Credit Rent Boost
4. MyFICO
5. Fresh Start Credit Repair
6. Lexington Law
7. National Debt Relief
1. CreditRepair.com
In 2012, CreditRepair.com made its debut. Since then, they’ve filed over 23 million complaints on behalf of their members.
This company’s credit repair services are relatively expensive, at $99.95 per month. They have a three-step credit repair process for improving credit: “check, challenge, and change,” but they also promise to create personalized credit repair plans for each member.
According to their website, the most common service is disputing negative and erroneous claims on a person’s credit report. The services of CreditRepair.com are currently offered in 39 of the 50 states. As far as affiliate programs go, this isn’t a bad one. Progrexion or Commission Junction is two options for becoming a CreditRepair.com affiliate.
Progrexion will assign you a 365-day cookie and calculate your commission based on how many sales you generate. You’ll get a 90-day cookie and $70 for every sign-up who makes a payment during the first 45 days if you use Commission Junction.
- Commission: $70 per paid sign up on Commission Junction/ Tiered based on volume with Progrexion
- Cookie Duration: 90-day on Commission Junction/365-day cookie on Progrexion
2. DisputeBee
DisputeBee is credit repair software for professionals. Individuals who need to submit complaints or credit restoration companies can use it.
Members begin by uploading credit reports to use the software. A user can then choose whatever items they want to dispute. Then, DisputeBee will automatically generate a letter for you to send to the credit bureaus based on the item.
DisputeBee is a service that requires a monthly subscription. The cost for individuals is $39 per month, while the cost for enterprises is $99 per month. You’ll earn 35% of the first payment for each new customer you refer as an affiliate.
- Commission: 35% on the first payment
- Cookie Duration: Unspecified
3. Credit Rent Boost
Unlike the other two credit repair companies, Credit Rent Boost helps users improve their credit scores by reporting rent payments to the major credit bureaus rather than disputing inaccurate reports.
Renters can choose between three different plans, starting at $3.75 per month for current reporting, $2.50 for past rent reporting (for the previous two years), or $2.92 for past and ongoing reporting.
These services can help people improve their credit scores quickly, making this a great program to promote. Unfortunately, they don’t make things very clear on the affiliate side. To begin, you must sign an NDA about their affiliate terms and structure after being accepted, which makes obtaining legitimate information difficult.
Credit Rent Boost does pay a 10% commission to affiliates, but it’s unclear whether that commission is recurring or only for the first sale. Still, this could be a beneficial program for your readers, making it a good affiliate opportunity.
- Commission: 10%
- Cookie Duration: Unspecified
4. MyFICO
The three major credit bureaus provide users with credit reports, scores, and alerts through MyFICO. In addition, there are three different plans: Basic, Advanced, and Premier.
The Basic plan is $19.95 per month, but it only covers Experian and does not include Identity theft monitoring. The other two options include all three credit bureaus, identity monitoring, and various other benefits. Their monthly subscriptions are $29.95 and $39.95, respectively.
If one of your referrals signs up for a free trial or paid subscription, MyFICO will pay you as an affiliate. As a result, you’ll get a $5 commission for each one. This is a significantly smaller commission than the other credit restoration options on the market. However, because MyFICO is more well-known, it may be easier to sell.
- Commission: $5 per sale and $5 per lead
- Cookie Duration: 30-days
5. Fresh Start Credit Repair
Fresh Start Credit Repair is the next option. Although the webpage of this company is a little off-putting, it appears that they know what they’re talking about. Their services mostly consist of correcting inaccuracies on credit reports and assisting clients with poor credit in improving their ratings.
Users can sign up for Credit Monitoring services or consult for credit repair on the website. They will evaluate that person’s credit report during the session, and the staff will devise a credit restoration strategy.
One aspect of this service that I dislike is that users are not given price alternatives until they phone for a consultation.
Fresh Start Credit Repair will pay you $50 for each paid sign-up if you join as an affiliate.
- Commission: $50 per paid subscription
- Cookie Duration: Unspecified
6. Lexington Law
Users can use Lexington Law’s services to contest any inaccurate credit reports they find. Additionally, this organization provides users with tools to help them enhance their credit scores.
Lexington Law offers users three monthly subscriptions that range from $89.95 to $129.95 per month. While this membership may be a little pricey for people with credit issues, it could be a fantastic option for anyone who has discovered serious inaccuracies in their credit report.
Lexington Law also had the most professional-looking website of any of the investigated firms. Lexington Law will pay you $65 for each paying subscription you recommend as an affiliate. The cookie lasts for 30 days. This program can be found on Progrexion or Commission Junction.
- Commission: $65 per sale
- Cookie Duration: 30-days
7. National Debt Relief
National Debt Relief, while not a credit repair affiliate program, assists consumers in getting out of debt and so (eventually) improving their credit ratings.
The program is for people who have a lot of unsecured debt and cannot make payments. National Debt Relief’s team will evaluate the individual’s situation and negotiate with creditors to reduce the amount owing.
You can earn $27.50 per qualified lead as an affiliate. Someone who has at least $10,000 in credit card debt, wants help for debt settlement, and lives in an eligible state is considered a qualified lead.
You can also earn a commission of 12 percent on any affiliates you refer.
- Commission: $27.50 per qualified lead + 12% commission on affiliates you refer
- Cookie Duration: 60 days
Conclusion
Give one of these programs a shot if you’re in the credit repair industry. These programs can help anyone whose credit score has suffered due to inaccurate information on their credit reports.
Plus, because the commissions are so high, you can make a decent living without having to sell a lot of products.
Discover the secrets of affiliate marketing. If you’re seeking for high-ticket affiliate programs, you’ve come to the perfect place. We’re happy to help you learn more about affiliate marketing opportunities at OpportunitySage. So, what are you waiting for? Contact us right away to get started!
