The total consumer debt in America has reached $13.51 trillion, and the majority of households have more than $8,000 in credit card debt. Do you have a niche website that could benefit from these top 10 credit repair affiliate programs?
Everyone misses a bill now and then. The problem is when consumer debt gets out of hand, and people in debt don’t have enough money coming in to pay for their bills. As they miss more and more payments, their credit scores go down, and the interest rates for new loans go up.
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Fortunately, it’s a problem that the best credit repair affiliate programmes can help correct. Affiliate marketers can help connect consumers with credit repair programmes that can dispute the negative marks on their credit scores, add positive payment histories, provide long-term credit score strategies, and more.
If you’re interested, read through this list of the top 10 credit repair affiliate programmes. At the end of the article, I’ll share some ways that you could start to apply these types of programmes in your niche market strategies. Naturally, you will probably also find room for credit card affiliate programmes on your niche site as well.
Credit Repair Affiliate Programmes
1. 30-Day Credit Repair
30-Day Credit Repair offers a three-step solution to help customers improve their credit scores and get better interest rates on loans.- URL: Credit Repair Partner
- Commission: Up to 40%
- Cookie: Unknown
30-Day Credit Repair offers a three-step solution to help customers improve their credit scores and get better interest rates on loans. Affiliate marketers get paid for sending referrals to this company.
The company specialises in removing items that affect credit scores negatively, including tax liens, late payments, settlements, bankruptcies, identity theft, foreclosures, medical bills, and more.
Once 30-Day Credit Repair fixes the referrals’ credit scores, they can often get loans. Affiliates can earn more money for referrals who close loans after working with this company.
30-Day Credit Repair has been featured on ESPN, Fox, CNN, ABC, and CBS.
Reasons To Promote 30-Day Credit Repair: The commission rate is great, and the ability to continue earning money when referrals close on loans is nice, too.
2. BetterWay To Credit
BetterWay To Credit helps consumers dispute and remove negative marks against their credit score.- URL: Better Way To Credit Affiliate Program
- Commission: Unlisted
- Cookie: Unknown
BetterWay To Credit helps consumers dispute and remove negative marks against their credit score from incidents like late payments, charge offs, collections, bankruptcies, judgments, and liens. This company provides a free credit analysis, and it only takes customers that it feels like will truly benefit from the services.
One nice thing about BetterWay To Credit is that it offers a 100% satisfaction guarantee to customers. Each customer file also has a personal case manager.
Affiliates are provided with banners and other promotional materials, as well as affiliate website templates (coming soon) and a dedicated affiliate portal.
Reasons To Promote BetterWay To Credit: The free credit analysis, satisfaction guarantee and personal case file manager could help convert shoppers. However, it’s difficult to say how much an affiliate marketer could make with this company because the commission rate isn’t listed on the affiliate information page.
3. Experian.com
Experian, a 125-year old credit reporting company, helps with credit repair mainly by providing the information that consumers need.- URL: Experian Affiliate Program
- Commission: Unlisted
- Cookie: Unknown
Experian, a 125-year old credit reporting company, helps with credit repair mainly by providing the information that consumers need. Affiliate marketers earn money when their referrals purchase personal credit reports and credit scores. Experian also provides some credit education and marketing services.
Experian has around 17,000 employees in 37 different countries, so affiliate marketers can reach out with their marketing beyond the United States.
One nice thing about Experian is that it provides something called the Experian Boost. This is a free service that gives credit to consumers for paying their phone bills and utility bills, and it can raise FICO scores immediately.
Experian also works to keep credit scores clean by providing a service called Experian IdentityWorks Premium. This service includes fraud resolution, identity theft insurance, and monitoring to prevent identity theft. The first month is free, but after that, it costs around $30 per month.
Reasons To Promote Experian: Experian has a solid reputation, and the Experian Boost could help convert some shoppers. However, the commission rate and cookie length aren’t listed on the affiliate information page.
4. Start Your Credit Fresh
Start Your Credit Fresh works with both creditors and credit bureaus to provide increase FICO scores for consumers.- URL:
- Commission: $50 per sale
- Cookie: Unknown
Start Your Credit Fresh, which is the affiliate network for Fresh Start Credit Repair, works with both creditors and credit bureaus to provide increase FICO scores for consumers. The credit repair process can include examining debt and making a workable plan to get rid of it. The credit repair service can help customers in the long run as they find better interest rates on loans and are able to save money.
Affiliates earn a flat rate commission of $50 every time someone they refer to the service subscribes to it.
Start Your Credit Fresh also provide free credit tips and information on its Facebook page.
Reasons To Promote Start Your Credit Fresh: The flat-rate $50 commission is nice because affiliates know exactly what they’ll make with each referral. The company’s free credit tips, credit information, and ability to boost FICO scores could convert shoppers, too.
5. CreditRepair.com
CreditRepair.com is a three-step credit repair service that is marketed by Progrexion Marketing.- URL: Progrexion Affiliate Program
- Commission: Unlisted
- Cookie: 365 days
CreditRepair.com is a three-step credit repair service that is marketed by Progrexion Marketing. CreditRepair.com has already helped thousands of customers increase their credit score.
This company also provides tools to help customers monitor their credit, and it helps consumers reach some of their credit-centered financial goals.
The affiliate programme is run through Commission Junction, and affiliates are provided with all of the banners and text links they need to promote the service. Affiliate marketers also receive a newsletter to keep them up to date.
Reasons To Promote CreditRepair.com: The one-year cookie length is terrific. However, the commission rate isn’t listed on the affiliate information page.
The simple three-step process could appeal to many consumers, and the credit-monitoring tools are helpful for customers, too.
6. Credit Strong
Credit Strong offers flat, fixed commissions for the products and services it offers.- URL: Credit Strong Affiliate Program
- Commission: Unlisted; varies by the products sold
- Cookie: 3 months
Credit Strong, a division of Austin Capital Bank, offers flat, fixed commissions for the products and services it offers. This includes commissions for referrals who sign a contract with Credit Strong.
One of the most prominent services provided by Credit Strong is an account that combines features of a secure consumer installment loan and a savings account. This allows customers to build both credit history and savings.
Most of the credit-rebuilding loans can be repaid in installments of 12 months or 24 months, although some are set up for as long as 120 months.
Reasons To Promote Credit Strong: The loan-and-savings combo is an interesting angle on long-term credit repair, which makes it stand out from many other credit repair companies. The commission rate isn’t listed on the affiliate information page, but the three-month cookie length is nice.
7. Credit Rent Boost
Credit Rent Boost helps to boost credit scores by reporting rental history to the three largest credit report companies.- URL: Credit Rent Boost Affiliate Program
- Commission: 10%
- Cookie: Unknown
Credit Rent Boost helps to boost credit scores by reporting rental history to the three largest credit report companies. When rent is paid on time, it can bring up credit scores for customers. Results can take about two weeks to appear on credit reports.
The service costs around $2-4 per month.
Credit Rent Boost provides another service that reports both the rental history for the past two years and ongoing rental payment. This service generally boosts credit scores by 30-100 points.
Reasons To Promote Credit Rent Boost: The prices for these services are relatively low, and this could convert some shoppers. This is also a very specific service, which could be combined with other credit repair products such as loans or disputing claims to boost credit scores even more.
8. Approved Credit Score
Approved Credit Score provides business credit services as well as consumer credit services.- URL: Approved Credit Score Affiliate Programme
- Commission: Up to $500
- Cookie: Unknown
Approved Credit Score offers a wide range of credit repair services, including helping customers with bankruptcy, collections, credit inquiries, credit score rebuilding, personal business funding, and public records issues.
Affiliate marketers earn commissions whenever someone they refer to this company becomes a customer.
One interesting thing about Approved Credit Score is that it provides business credit services as well as consumer credit services. The company also offers consumers access to an online credit university to help them learn more about credit and finance. The website includes a resource section that contains tips for improving credit scores, client success stories, and a ‘perfect credit formula.’
Reasons To Promote Approved Credit Score: This company offers a free consultation and a money-back guarantee, which could convert some shoppers. The commission rate is nice, too.
9. American Debt Enders
American Debt Enders has a variety of different programs for consumers to help them with their credit issues.- URL: American Debt Enders Affiliate Program
- Commission: $10-125
- Cookie: Unknown
American Debt Enders has a variety of different programmes for consumers to help them with their credit issues. These programmes include debt settlement, debt disputation services, debt management, consolidation of student loans, payday loans, credit restoration, and bankruptcy services.
The commission structure for affiliate marketers is based on a flat-rate fee for each type of service, so it’s somewhat complicated. For all programmes, affiliates are paid $10 per lead.
Beyond that, affiliates can earn $125 each for enrollments in the debt settlement, student loan, or private student loan programmes. Enrollments in the payday programme bring in affiliate earnings of $20. Affiliates also earn $50 for enrollments in the debt management program and $100 for enrollments in the Chapter 7 bankruptcy programme.
Reasons To Promote American Debt Enders: American Debt Enders provides free useful tools for affiliate marketers, including membership in Market Hive (a blogging platform) and an SEO tool. Affiliate marketers are also provided with all the marketing tools they need to promote the services.
10. The Credit Repair Agents
The Credit Repair Agents provide an aggressive credit repair solution that includes disputing negative items on credit reports.- URL: Credit Repair Agents Affiliate Program
- Commission: $5-50
- Cookie: Unknown
The Credit Repair Agents provide an aggressive credit repair solution that includes disputing negative items on credit reports. This company works with the top three credit reporting companies (Experian, Equifax, and TransUnion) to increase credit scores quickly.
Rather than taking months, disputes raised for customers by The Credit Repair Agents are usually solved within about 30 days.
There’s a five-tiered commission structure for affiliate marketers, with a $50 commission on tier one referrals.
Reasons To Promote The Credit Repair Agents: The fast turn-around time for credit repair with this company sets it apart from many other credit repair businesses.
Affiliate Website Ideas
Now that you’ve had a chance to check out these top 10 credit repair affiliate programmes, it’s up to you to decide how you can apply them in your niche market efforts? If you are still looking for inspiration then read on…
For starters, you could consider a website FIRE – Financial Independence Retire Early. A website like this one could promote money saving tools, high interest bank accounts, stock investing, budgeting tools and more. It could also feature credit repair, short-term consumer loans, and other financial services that could help referrals get access to cash that they need for whatever reason.
A website for at-home business owners could feature credit repair services as a way to help get more capital for expansion. Payday loans, small business services, accounting software, and marketing services could also be promoted on a website like this one.
Another potentially lucrative idea for a website would be one dedicated to millennials in the workforce. A website like this could zero in on the needs of young families, including credit repair for those who are struggling with student loans or who want to buy a first home. Children’s furniture, career fashions, and insurance programs could also be featured on a website like this one.
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