With the rise of personal debt, US consumers are now more concerned about their credit health. That means there is a large audience you can promote credit repair services to. The best part is that this industry pays a lot, with some programs paying up to a 90% commission per sale.
If you are interested in earning money from this promising niche, we’re here to help. Our lists covered 20 credit repair affiliate programs below. Let’s dive in to see which program matches your goal most.
TL;DR
You can make extra money by promoting a top credit repair service. Let’s see how much you can earn from some of the top offers.
- myFICO (Commission: $5-$25, Cookie: 60 days)
- Credit Saint (Commission: $80, Cookie: 60 days)
- Credit Firm (Commission: $20, Cookie: 180 days)
- Experian (Commission: $6-$50, Cookie: 10 days)
- National Debt Relief (Commission: $27.5)
- The Credit People (Commission: $100-$200)
- CuraDebt (Commission: $38-45, Cookie: 45 days)
- The Credit Pros (Commission: $120)
- Credit Fix Guy (Commission: 25%, Cookie: 30 days)
- IDIQ (Commission: $100, Cookie: 60 days)
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Top 20 Credit Repair Affiliate Programs
Do you want to know which credit repair affiliate program offers the best? Check out this table below.
| The best affiliate programs | Program name |
| Affiliate program with the highest commission rates | The Credit App (90%) |
| Affiliate program with the longest cookie duration | Credit Firm (180 days) |
| Affiliate program with the most payment methods | IT Governance USA (ACH, BACS, SEPA, Payoneer) |
| Affiliate program with the most promotional materials | myFICO, Credit Firm, National Debt Relief, The Credit Pros, Credit Fix Guy |
1. myFICO
myFICO creates FICO scores to monitor credit health and track detailed changes over time. Lenders can access 28 different FICO scores, even for mortgages and auto loans.
Affiliates can join the myFICO affiliate program via Awin, earning from $5 to $25 on every qualified purchase. The cookie duration is 60 days, counting from the first click of customers on your link.
You can use their banners and text links to create appealing ads on your marketing channels. Moreover, their dedicated affiliate team supports you with tips and advice for promoting products and boosting sales.
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2. Credit Saint
Credit Saint helps users fix unfair or negative information harming users’ credit. They customize action plans with step-by-step guidance on improving credit scores and achieving financial goals.
Managed through CJ Affiliate, the Credit Saint affiliate program offers affiliates an $80 commission on each sale. You can earn credit for purchases within a 60-day cookie duration counting from customers’ first click on your link.
You can save time on creating content with their professional pre-made creatives. Plus, their in-house dedicated affiliate team will give you helpful tips on boosting sales and traffic.
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3. Credit Firm
Credit Firm has been a leading credit repair service provider for US citizens for over 20 years. They assist users in solving credit bureau disputes, inquiry challenges, goodwill interventions, debt validation requests, and cease-and-desist letters.
The Credit Firm affiliate program offers a $20 commission on every qualified plan subscription. You’ll have up to 180 days from customers’ initial click on your link to earn credit for their purchases.
Credit Firm gives affiliates banners, widgets, and text links to increase clicks and conversions. You can also utilize their videos to make more reliable content for your target audience. Moreover, you have full access to their data feed to update new services for your promotions.
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4. Legal Harbor
Legal Harbor leverages consumer protection laws to repair users’ credit. They take strong approaches to hold creditors and credit bureaus accountable for non-compliance with FCRA guidelines.
Legal Harbor runs their affiliate program via CJ Affiliate and offers a $40 commission on a service fee of $99.95. The cookie duration is 90 days, staying on customers’ devices once they click your link.
The brand supplies banners, landing pages, and other promotional materials to help you build content faster. If you write your own editorial content, you must follow their guidelines and request approval before publishing.
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5. National Debt Relief
National Debt Relief reduces or solves unsecured users’ debt to protect their credit scores. They aim to help users regain control of their finances to achieve better credit outcomes.
The National Debt Relief affiliate program allows affiliates to earn a $27.5 commission on every qualified free debt relief quote request. You can also refer new affiliates and earn a 12% commission on each sale they make.
You can put banners and text links in blog posts or social media accounts to increase visibility and engagement. You can attract potential leads from all US states, except for Connecticut, Oregon, Vermont, and West Virginia.
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6. The Credit People
The Credit People identifies inaccuracies in clients’ credit reports, such as late payments, charge-offs, collections, and bankruptcies. They address derogatory marks on users’ credit reports and give detailed plans for every progress.
After joining their affiliate program, you can earn from $100 to $200 across all plan subscriptions. The brand pays affiliates monthly via check or ACH payments.
You can find a vast collection of pre-made creatives on the affiliate online dashboard. You can also receive email updates on their products or promotional tips. Plus, they provide effective promotional guidance for affiliates based on their primary marketing platforms.
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7. CuraDebt
CuraDebt helps individuals and small businesses in reducing unsecured debt and repairing credit scores. They negotiate with creditors to lower debts than the original balance.
Once joining the CuraDebt affiliate program, you can earn up to a $45 commission based on the type of leads.
- Tax debt consultation: $45
- Pay per call: $39
- Normal lead: $38
The program also offers a 45-day cookie duration, starting with customers’ first click on your link. Therefore, you can only earn credit for purchases made within this time frame.
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8. The Credit Pros
The Credit Pros is a financial technology firm specializing in credit repair and credit score improvement services. They identify damaging inaccuracies to help users improve and build healthier credit scores in the long term.
You can apply for the Credit Pros affiliate program via ShareASale. Their program allows affiliates to earn up to a $120 commission on each sale.
You can use different banners and creatives to make intriguing content for your target audience. They also allow you to use coupon codes, but the maximum discount value is $50 on each sale.
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9. Credit Fix Guy
Credit Fix Guy delivers affordable credit repair services for all financial problems. Users can receive dispute letters within 24 hours and achieve credit repair enhancement in 30 days.
After joining their affiliate program, you can earn a 25% commission for every qualified subscription. A 30-day cookie duration allows you to earn credit for all customer purchases within this period.
The brand creates different types of links for affiliates to share across all social media platforms and websites. You can also integrate banner ads in email newsletters, social media posts, or blogs to drive traffic to Credit Fix Guy’s site.
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10. IDIQ
IDIQ leverages AI to monitor and protect the identity and credit history of over 4 million members. Users can respond quickly to potential threats thanks to their real-time notifications for suspicious activities across credit reports.
Affiliates can join the IDIQ affiliate program and enjoy a $100 commission on every completed sale. The cookie duration lasts 60 days, counting from the moment customers click on your link.
Their dedicated affiliate team helps affiliates create effective promotional campaigns with tips and advice. You will also be the first to know about their new products and exclusive promotions.
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11. Credit RX America
- Commission rate: 15%
- Cookie duration: Not mentioned
Credit RX America offers credit repair solutions without any upfront or monthly fees. Additionally, they help users achieve mortgage approval and other financial opportunities.
12. The Credit App
- Commission rate: 90%
- Cookie duration: Not mentioned
The Credit App helps contractors and small businesses report defaults and nonpayments to the credit bureaus. They also notify businesses about individuals with high credit risk to avoid bad debt.
13. MyFreeScoreNow
- Commission rate: $16
- Cookie duration: Not mentioned
MyFreeScoreNow gives users free access to credit scores and reports on three main financial bureaus. They also alert users to significant changes in their reports and avoid potential identity theft or inaccuracies.
14. Adam Credit
- Commission rate: $99
- Cookie duration: Not mentioned
Adam Credit offers personalized credit repair solutions for legal and real estate clients. They educate users about credit profiles to help them improve their financial health.
15. Credit Monkey
- Commission rate: $100-$125
- Cookie duration: Not mentioned
Credit Monkey develops automatic software to dispute inaccurate items on credit reports. They ensure all corrections align with three main bureaus, including Experian, TransUnion, and Equifax.
16. MP Credit Repair
- Commission rate: $50-100
- Cookie duration: Not mentioned
MP Credit Repair works with credit bureaus and creditors to help clients clean up their credit reports. They provide educational resources and detailed guidance for users choosing the “Do It Yourself” repair option.
17. Reliant Credit Repair
- Commission rate: 40%
- Cookie duration: Not mentioned
Reliant Credit Repair guides users in improving credit scores and overall financial health for future issues. They also dispute inaccuracies and remove derogatory marks to avoid unexpected damage to credit reports.
18. Dispute Panda
- Commission rate: 30%
- Cookie duration: Not mentioned
Dispute Panda creates an AI-powered letter generation engine for credit repair professionals. The software can help write realistic disputed letters and track dispute progress in real-time.
19. Credit Glory
- Commission rate: $100
- Cookie duration: Not mentioned
Credit Glory helps users identify disputing errors on credit reports, such as delinquencies, collections, and bankruptcies. They even offer free phone consultations to give personalized support on improving credit scores.
20. DisputeBee
- Commission rate: 35%
- Cookie duration: Not mentioned
DisputeBee is a credit repair software platform for both professional companies and individuals. They assist users in writing dispute letters to credit bureaus, debt collectors, and creditors.
Conclusion
A credit repair affiliate program can really earn you some serious cash. It might be hard to create promotional content in this niche, but you’ll have various marketing materials to use. Let’s start with a reliable program from the list above and build your campaign today.
Joan, a creative mind and author behind UpPromote blog. Writing has always been my sanctuary, a place where I can explore my imagination and share my unique perspective on the world of eCommerce. Through my words, I strive to explain the complexities of the digital world and showcase its potential for innovation, growth, and limitless opportunities.
