The total consumer debt in the United States hits $14.3 trillion this year, which includes mortgage, car loans, credit card debt, among others.
In fact, a majority of households are facing a huge credit card debt, thus increasing the demand for a good credit repair service. And, you can take this demand as a great money-making option.
But how’s that even possible? The trick is to join some credit repair affiliate programs.
If you are running a financial blog, you know how often your readers miss a bill and what happens to their credit scores when the debt goes out of hand.
By promoting a good and reliable credit repair service to your audiences, you will not only help to repair their credit scores but also earn a good amount of money as a commission.
A credit repair program can help your readers by adding positive payment histories, disputing the negative marks on their credit scores, among others. They can also provide a long term credit score strategy to avoid further problems.
But which service should you promote?
This article looks into some of the best credit repair affiliate programs that are beneficial for both you and your audiences.
The Best Credit Repair Affiliate Programs
Promoting a credit repair company is one of the best things you can do for your readers. Most of them are looking for a free credit report since they want to fix their credit.
Here are 21 best credit repair affiliate programs that you can try joining.
MyFICO Credit Repair Affiliate Program
Commission: $5 per lead
Cookie: 30 days
How to join: Click here to join
MyFICO is brought to you by Fair Isaac, the company that created the FICO credit score.
Founded in 1980, the company has been helping people to protect their financial health by providing useful credit-information products.
Their affiliate program is run and managed by ShareASale. Your readers will get the opportunity to get a one-time or ongoing credit report. You will receive $5 for every referred sale, as well as access to several creative banners and text links to boost your campaign.
Lexington Law Credit Repair Affiliate Program
Commission: Up to $65 per lead
Cookie: TBC
How to join: Click here to join
You know how a tiny flaw in your credit report can ban you from getting approved for a mortgage.
While everyone is aware of the value of a perfect credit report, most of them don’t understand how to track and challenge those inaccuracies.
Lexington Law can help in that case. Since 1991, the company has been one of the most trusted leaders in credit repair.
The company offers patent-pending technology, which reduces the need for thousands of papers and mailing procedures, and improves the credit repair process.
Their affiliate program offers a pretty decent amount of commission. Although it varies, you can end up earning around $65 per lead. Since the company claims to have a 40% conversion rate, chances are you will end up making some good sales.
Teachable Credit Repair Affiliate Program
Commission: 30%
Cookie: 90 days
How to join: Click here to join
You may be wondering why am I suggesting this website while writing about credit repair affiliate programs? Well, there are good reasons for it.
While most of your audiences are looking for good credit repair programs, some of them are also interested in learning credit repair strategies. Teachable is such a website that can help them with related courses.
The company has more than 100,000 instructors to train people on various topics and niches. Customers can join their different types of courses including coaching, workshop, authorship, among others.
As an affiliate marketer, you will receive a 30% commission for each lead. The rate is pretty good plus your competitors are likely not promoting a teaching platform while writing about credit repair programs. It means you can attract a completely different class of audiences towards your site.
Capital Bank Credit Repair Affiliate Program
Commission: $25
Cookie: 30 days
How to join: Click here to join
The first step towards the credit repair journey should be using a secured credit card.
Why is that?
It’s because most people use multiple credit cards and spend like there’s no tomorrow. As a result, they end up with a terrible credit score.
So, those who are looking for a secured credit card, OpenSky from Capital Bank can be the best option for them.
To use this card, customers need to deposit a certain amount of money in an account, which is used to pay off the debts. The credit score agencies will see that the debts are cleared every month and users will have a good credit score.
So, what will you get by promoting such a great service? You will receive $25 for each referred sale.
Besides, you will be one of those fewer publishers who offer a secured credit card as a credit repair service.
National Debt Relief Credit Repair Affiliate Program
Commission: $27.50 per lead, $41 for each sign up
Cookie: 60 days
How to join: Click here to join
Most of you have taken loans for different purposes. Some of you paid the debt on time, while some couldn’t.
Sometimes, the debt becomes too heavy to be paid, and the borrower starts to buried under it. National Debt Relief understands their problem. Therefore, they negotiate with the creditors and make sure you can repay your debts in an affordable way.
So, regardless of the financial condition, everyone can repay their debts using this service.
And as a promoter, you will earn $27.50 each time anyone requests for a quote. Besides, you will receive $41 if your lead signs up for their service.
Experian Credit Repair Affiliate Program
Commission: up to $20
Cookie: 10 days
How to join: Click here to join
Experian is one of the most popular names for credit repair and report. The company is more than 100 years old and has been providing accurate credit reports with their expertise in this field.
Most lenders refer to Experian when it comes to calculating credit scores. They can monitor a customer’s personal data to save it from identity theft while fixing negative scoring items on the report.
With their “Experian Boost,” users can easily improve their existing FICO score.
Upon joining their affiliate program, you will receive up to $20 if anyone signs up for their “Experian CreditWorks” service. However, be careful about which program you’re promoting since most of their free trials will not give you any commission.
Credit Firm Credit Repair Affiliate Program
Commission: $20
Cookie: 180 days
How to join: Click here to join
Since 1997, Credit Firm has been helping people to repair their credit report and increase their scores.
Unlike other companies, Credit Firm analyzes their customers’ credit report with the help of attorneys, making sure each item on the report is valid. Since incorrect items can lead to poor FICO scores, it’s crucial to check them properly.
The company runs the affiliate program via ShareASale. You will receive $20 per referred sale, which is quite decent considering the industry. Besides, it offers a 180-days cookie period and that is long enough to make some good sales.
TransUnion Credit Repair Affiliate Program
Commission: $60 CAD
Cookie: 45 days
How to join: Click here to join
Started as a railcar leasing company, TransUnion moved into the credit reporting business in 1960. They are the first company in North America who digitized the credit report system.
Their credit monitoring services cover more than 30 countries including the USA and Canada. With the latest tools and software, TransUnion can analyze a customer’s current credit score and help to increase it.
You can join their affiliate program through CJ Affiliate, one of the leading affiliate networks. You will receive a flat $60 CAD per sale, which is approximately $44 USD.
The best part is, the company has their service in more than 30 countries, meaning that you will get some international audiences as well.
CuraDebt Credit Repair Affiliate Program
Commission: $30 per debt lead
Cookie: unlimited
How to join: Click here to join
There are so many ways to resolve a debt. Customers can consolidate their payments, renegotiate with the creditors, or can work towards a debt settlement.
However, for most people, it’s quite challenging to decide where to start. CuraDebt can help them with that.
For the last 20 years, they have been assisting people with some permanent legal solutions regarding their debts. They provide free consultations that are 100% no-obligation, meaning that they don’t have to purchase anything unless they want to.
By joining their affiliate program, you can earn a pretty decent amount of money.
While you will get $30 for each lead, you will also earn $200 if you lead converts to a paying customer.
Besides, if anyone signs up as an affiliate through your link, you will get $5 as a commission for that.
Identity IQ Credit Repair Affiliate Program
Commission: $35 per lead
Cookie: 30 days
How to join: Click here to join
One of the most obvious ways that can ruin someone’s credit score is identity theft.
Hackers tend to use someone else’s information to open various lines of credit, thus destroying their FICO scores.
Unlike traditional credit repair services, Identity IQ provides a combined credit scoring and reporting system, as well as a comprehensive protection system against identity theft.
They continuously monitor a user’s application and information for data breaches and provide ultimate security.
Their affiliate program is run by Awin, which offers a $35 commission to the affiliates for each referred sale. The program is quite good if you want to offer a secured credit repair service to your audiences.
Ovation by Lending Tree Affiliate Program
Commission: $55
Cookie: TBC
How to join: Click here to join
Ovation Credit comes with a team of professionals who work hard to restore their customers’ credit. With the help of credit bureaus and creditors, they fix the issues with the credit reports.
Besides, they have one-to-one customer service that ensures each of their customers can get the best service they deserve.
Ovation runs their affiliate program via ShareASale. You will receive $55 for each confirmed sale through your website.
Since the customers can get 24/7 access to the company’s financial tools, their website has a high conversion rate. It can also help improve your site’s traffic.
30-Day Credit Repair Affiliate Program
Commission: up to 40%
Cookie: TBC
How to join: Click here to join
30-Day Credit Repair improves the customers’ credit score with their three-step solution. They make sure users can get a better interest rate when they apply for a loan.
The company specializes in eliminating items that affect the credit score negatively such as late payments, tax liens, settlements, identity theft, bankruptcy, among others.
The commission rate for the affiliates is incredible. You can earn up to 40% per sale through your site. You will also earn more commission once your referrals close loans after fixing their issues with the credit scores.
BetterWay To Credit Affiliate Program
Commission: TBC
Cookie: TBC
How to join: Click here to join
BetterWay To Credit is one of the leaders in the credit repair industry. The company helps the customers to fix their credit score issues.
They have a team of experts who help to resolve issues like late payment, liens, charge offs, bankruptcy, identity theft, among others.
Each of the files is handled by a personal case manager, meaning that customers are guaranteed with optimum accuracy.
The commission rate for the affiliate program isn’t disclosed before anyone signs up. However, considering its popularity, you can expect to earn a generous amount of money.
Start Your Credit Fresh Affiliate Program
Commission: $50
Cookie: TBC
How to join: Click here to join
There can be thousands of reasons for ending up with poor credit. However, it’s still possible to fix those issues and increase the FICO scores. Fresh Start Credit Repair helps customers to fix their credit.
The company works with credit bureaus and creditors to provide an improved FICO score to the customers. They examine the debt carefully and come up with a plan to solve it. They help people to find better interest in loans and save money.
As an affiliate, you will be able to earn $50 per referred sale, which is pretty amazing. Your readers may find this offer quite interesting since the company offers free tips and information on how to improve credit scores.
Credit Strong Credit Repair Affiliate Program
Commission: Varies
Cookie: 3 months
How to join: Click here to join
Credit Strong is the division of Austin Capital Bank that helps the customers to build credit and grow savings. With the help of three major bureaus, they monitor their customers’ FICO scores 24/7 and track their progress.
This is one of the most secure services anyone could go for. Being the direct division of an FDIC insured bank, Credit Strong doesn’t provide any bank-level security, they provide bank security.
Besides, they offer a loan and savings combo that ensures long-term credit repair. The commission rate for the affiliates varies by the services sold, but their unique and secured services have established this associate program a lucrative one.
You may also like: Pay Per Lead Affiliate Programs
Credit Rent Boost Affiliate Program
Commission: 10%
Cookie: TBC
How to join: Click here to join
Another unique credit repair service that helps boost credit score by reporting rental history to the top credit report companies.
By spending $2-$4 per month, a customer can increase their credit score by 20-100 points. The company makes sure your rent is paid on time and the report is submitted to the report companies.
You can join their affiliate program directly from the website. You may get upset with the 10% commission rate. However, considering such an affordable credit repair service, your readers may get interested in it.
American Debt Enders Affiliate Program
Commission: $20-$40
Cookie: TBC
How to join: Click here to join
There are lots of reasons for a poor credit score and American Debt Enders can fix it with their wide range of services.
Their services include personal debt management, tax debt relief, debt dispute program, federal student loans, among others. Besides, they provide free consultation on bankruptcy to those in need.
They will deal with the debt, clean up the report, thus saving the customers from the harassing creditors’ phone calls.
By joining their affiliate program, you will receive $20-$40 per sale based on the products your audiences are purchasing. You will also get a membership in Market Hive and access to an SEO tool provided by the company.
The Credit Repair Agents Affiliate Program
Commission: $5-$50
Cookie: TBC
How to join: Click here to join
Credit Repair Agents help the customers to meet their credit goals by scraping the negative items on the credit reports. Issues like bankruptcy, liens, identity theft can ruin the report and reduce the credit scores.
The company works with the three leading reporting companies – Experian, TransUnion, and Equifax that help to increase the credit score as quickly as possible. The company’s fast turnaround time makes them quite popular among people.
As an affiliate marketer, you will enjoy a 5-tier commission structure, with $50 on tier one referrals.
Reliant Credit Repair Affiliate Program
Commission: 40%
Cookie: TBC
How to join: Click here to join
Reliant Credit Repair is a leading financial company that offers both credit repair and monitoring services. The company is working on providing customers with financial freedom and with their customized tools and educational tactics.
The company also helps the customers to deal with issues like high-interest rates on loans, approval issues with credit and loans, high insurance premiums, difficulty starting a business or purchasing a car or home, etc.
As an affiliate, you will be helping your readers to repair their credits so that they can get all the necessary things. As a result, you will receive a 40% commission on every referred sale.
Besides, you will get access to their partner portal that offers a generous amount of tools and materials to make your campaign smooth and successful.
Credit RX America Affiliate Program
Commission: 15%
Cookie: TBC
How to join: Click here to join
If anyone is looking for a company that can provide a fast credit repair service, they can opt for Credit RX America. The company just made the credit repair process simpler with their three-step process.
Credit RX America provides credit repair service within 30-days by removing negative items from the report such as late payment, bankruptcy, public records, etc.
By promoting their services through your blog, you will receive a 15% commission for each referred sale. Considering their fast service with free audits, this can be your highest conversion affiliate program.
Final Thoughts
One of the best parts of being an affiliate is that it gives you a chance of passive earning under various niches.
If you can help your audiences with useful information, they will come back to your website and click on those affiliate links, giving you a chance to earn.
Since credit repair services are gaining their popularity among customers, promoting such companies can increase your site’s traffic, as well as your passive income.
However, considering the popularity, there’s an almost endless stream of credit repair affiliate programs. Do proper research before joining one if you don’t want to end up not getting paid.
Sujan Sarkar is the Co-founder of OnelittleWeb, a leading SEO agency specializing in helping businesses improve their online presence and search engine rankings.
