If you’re looking to earn money through affiliate marketing, then credit repair affiliate programs are an excellent option to consider. In 2023, the credit repair industry is expected to continue growing, which means there will be plenty of opportunities for affiliates to earn commissions by promoting these services. To help you get started, we’ve put together a list of the 12 best credit repair affiliate programs of 2023.
These affiliate programs offer a range of services to help people repair their credit scores, from credit counseling to dispute resolution and credit monitoring. As an affiliate, you’ll earn a commission for each successful referral, which can be a great way to earn passive income.
Each credit repair affiliate program on our list has been carefully chosen based on factors such as commission rates, cookie durations, and customer satisfaction. We’ve also taken into account the range of promotional materials offered by each program, including banners, landing pages, and email templates.
Whether you’re a seasoned affiliate marketer or just getting started, the 12 credit repair affiliate programs on our list offer a great opportunity to earn money in 2023. By promoting credit repair services to your audience, you can help people improve their financial situation while earning money for yourself. So take a look at our list and find the program that’s right for you.
Credit Repair Affiliate Programs
MyFICO
FICO, the creator of the FICO credit score, has a consumer division called myFICO. FICO Scores are the most widely used credit scores in the US, with over 90% of top lenders relying on them to assess creditworthiness.
myFICO not only allows customers to check their FICO Score, but also offers a variety of services, such as identity theft monitoring, credit reporting, and identity theft insurance.
The company’s credit repair affiliate program offers competitive commissions of $5 to $100 per sale, depending on the product sold. For the Basic product, the commission is $5, while the Advanced product offers a flat fee of $10 per sale. For the Premier product, the commission is a flat fee of $100 per sale.
According to the affiliate network partner ShareASale, myFICO’s affiliate program has an average sale of $28.51 and an Earnings Per Click (EPC) of $117.08. The program also boasts a strong conversion rate of 4.05%. The cookie window for the program is 30 days, allowing affiliates to earn commissions on sales made within this period.
Commission: $5 – $100 per sale
Cookie duration: 30 days
Payment methods: Direct deposit, mailed check, Payoneer
Products: Credit scores and reporting, identity theft insurance and monitoring, identity monitoring
Lexington Law Credit Repair
Lexington Law, a prominent credit repair business, has served around 450,000 active clients in the last five years. In 2020, the company helped its customers remove over seven million negative items from their credit reports. Apart from providing traditional credit repair services, Lexington Law offers additional features like lost wallet protection and junk mail reduction.
Typically, Lexington Law’s clients have experienced significant life events like divorce, job loss, or high medical bills. They usually have a household income of at least $100,000 and may have been denied a mortgage or personal loan.
Lexington Law has two affiliate programs: one is managed by Progrexion Marketing, and the other is available on the CJ Affiliate network.
The CJ Affiliate program has a 30-day cookie window and pays a commission of $65 per order. On the other hand, the internal Progrexion program has a 365-day cookie window and doesn’t specify the commission rate, stating that “We pay affiliates according to quality volume of successful advertising.”
The internal program pays affiliates for the previous month’s sales around the 15th of every month, while CJ Affiliate schedules payments for the 20th of each month. Lexington Law’s affiliate programs provide a great opportunity for affiliates to earn passive income by promoting the company’s credit repair services to their audience.
URL: Lexington Law Credit Repair
Commission: $65 per order
Cookie duration: 365 days
Payment methods: Check, direct deposit, Payoneer
Products: Credit repair products
National Debt Relief Credit Repair
National Debt Relief is an accredited credit repair company with certifications from the American Fair Credit Council, the Better Business Bureau, and the International Association of Professional Debt Arbitrators. The company has helped over 100,000 consumers with their unsecured debts.
National Debt Relief’s credit repair affiliate program operates on a pay-per-lead basis, offering a payment of $27.50 for each qualified free debt relief quote request lead. These leads are defined as individuals who have at least $10,000 in unsecured credit card debt, reside in a qualifying US state, and are seeking assistance with their debt. However, the company does not assist in settling debts related to IRS issues, federal student loans, or utility bills.
Members of the National Debt Relief affiliate program can also earn a 12% commission on any earnings made by affiliates they refer to the program.
According to ShareASale, National Debt Relief’s affiliate network partner, the program has an impressive Earnings Per Click (EPC) of over $500 and an exceptionally high conversion rate of 18.14%. National Debt Relief’s credit repair affiliate program offers a great opportunity for affiliates to earn passive income by promoting the company’s services to their audience.
URL: National Debt Relief Credit Repair Affiliate Program
Commission: $27.50 per lead
Cookie duration: 60 days
Payment methods: Direct deposit, mailed check, Payoneer
Products: Debt management and reduction
Experian Credit Repair
Experian is a global provider of credit monitoring, reports, and scores, aggregating information on over one billion consumers and businesses worldwide. The company has delivered more than 20 million online credit reports, and its credit monitoring products are used by over 3.1 million members.
The Experian credit repair affiliate program is available on the CJ Affiliate network and offers commissions for various actions, including orders of Experian Boost (the company’s free credit score improvement service), sales of $1 Experian CreditWorks trials, installations of the Experian CreditMatch app, in-app Experian Credit Report registrations, sales of Experian IdentityWorks Plus and Premium, personal loan matches, and car insurance leads.
The commission amounts for each product type vary, ranging from $6 per Experian Boost order to $30 for Experian CreditWorks trials. All actions carry a 10-day cookie window. Experian’s affiliate program offers a great opportunity for affiliates to earn passive income by promoting the company’s credit monitoring and repair services to their audience.
URL: Experian Affiliate Program
Commission: $6 – $30 per order
Cookie duration: 10 days
Payment methods: Check, direct deposit, Payoneer
Products: Calculating credit scores, credit reporting, credit repair
Credit Firm Credit Repair
Credit Firm is a leading credit repair service in the US, having assisted more than 80,000 consumers in improving their credit scores and reports. Its services include unlimited credit bureau challenges, debt validations, cease-and-desist requests, and more.
Credit Firm’s credit repair program can be found on the ShareASale affiliate network and pays a flat commission of $20 per successful referral, with a generous 180-day cookie window.
According to ShareASale’s data, the company has an average order value of $49.99 and an Earnings Per Click (EPC) of $4.22. However, the conversion rate is low at just 0.11%, indicating potential issues with landing pages or data capture forms. It’s possible that Credit Firm may not have partnered with the right affiliates to maximize their program’s performance.
To improve conversion rates, Credit Firm offers a range of marketing tools, such as optimized banners, widgets, and videos. Customized banners are also available upon request. Credit Firm’s credit repair affiliate program provides an excellent opportunity for affiliates to earn passive income while promoting a valuable service to their audience.
URL: Credit Firm Affiliate Program
Commission: $20 per sale
Cookie duration: 180 days
Payment methods: Direct deposit, mailed check, Payoneer
Products: Credit repair
TransUnion
TransUnion, originally a railcar leasing company, has evolved into one of the three largest credit reporting companies in the world, alongside Equifax and Experian. Like Experian, TransUnion offers various consumer credit services, including credit reports, scores, and analyses. The company aggregates and collects information on over 800 million consumers and over 88 million businesses worldwide.
TransUnion’s affiliate program is available on the CJ Affiliate network, but it is exclusively for Canada. The program offers commissions in Canadian dollars and has a 45-day cookie window.
Commissions paid per order range from CA$49 to CA$73, depending on the product type. A standard personal credit report trial pays CA$49, increasing to CA$61 for credit reports with a discounted price of CA$4.95 for the first month and to CA$73 for full-price TransUnion credit report sales. All actions have a 45-day referral window.
TransUnion’s affiliate program provides a great opportunity for Canadian affiliates to earn passive income by promoting the company’s credit reporting services to their audience.
URL: TransUnion Canada Affiliate Program
Commission: CA$49 – CA$73 per order
Cookie duration: 45 days
Payment methods: Check, direct deposit, Payoneer
Products: Credit scores, credit reports, credit checks, identity theft insurance
CuraDebt Credit Repair
CuraDebt is a highly rated debt settlement and debt relief company, boasting an average review score of 4.9/5 on the ShopperApproved platform and 1,000+ five-star reviews on CustomerLobby. It guarantees to offer the lowest fees among any similarly rated debt resolution program.
CuraDebt has multiple credit repair affiliate programs available on both the CJ Affiliate and ShareASale networks. Each program offers commissions for various actions, including confirmed debt or tax enrollments, phone-verified debt leads, debt relief-related phone calls, phone-verified tax leads, and IRS or state tax debt relief-related calls.
The commission rate for each program varies, with confirmed debt or tax enrollments paying $450 – $600 per action based on volume. Phone-verified debt leads pay $30 per lead plus a $200 signup bonus, while debt relief-related phone calls pay $50 – $60 per call based on volume. Phone-verified tax leads offer a commission of $40 per lead plus a $200 signup bonus, and IRS or state tax debt relief-related calls pay $60 – $80 per call based on volume.
Unlike most credit repair programs, CuraDebt also offers two-tier commissions, allowing affiliates to earn 10% of sales made by the affiliates they refer to CuraDebt. CuraDebt aims to pay commissions between the 15th and 21st of each month via PayPal, check, Moneybookers, or Payoneer.
CuraDebt’s credit repair affiliate programs provide a great opportunity for affiliates to earn passive income while promoting the company’s debt relief and debt settlement services to their audience.
IdentityIQ
Identity IQ provides a range of credit repair products, such as credit reporting, enhanced credit monitoring, and identity theft protection, which includes monitoring for personal data sales on the dark web. The company’s top-tier plans offer monthly credit reports and scores from all three credit bureaus, along with identity theft insurance.
Identity IQ’s affiliate program offers a flat commission of $35 per sale, with a 30-day cookie duration. However, the company suggests that affiliates can earn higher commissions based on their performance.
Affiliates can receive payments through ACH, BACs, or international wire transfer. Identity IQ’s credit repair affiliate program presents an excellent opportunity for affiliates to earn passive income by promoting the company’s credit repair and identity theft protection services to their audience.
URL: Identity IQ Affiliate Program
Commission: $35 per sale
Cookie duration: 30 days
Payment methods: BACS, international wire transfer, ACH
Products: Identity theft protection, credit reporting, credit monitoring services
The Credit People
The Credit People offers an affordable credit repair service by reviewing customers’ credit reports and identifying areas where improvements can be made. The company’s credit repair agents can remove negative items from their clients’ credit histories, thereby helping to improve their FICO Scores.
The Credit People guarantees to deliver positive results in less than 60 days. Its data reveals that 78% of customers get approved for car loans, 71% obtain home loans, and 81% get approved for new credit.
Affiliates can sign up for The Credit People’s credit repair affiliate program and earn $100 – $200 per successful referral, based on volume and performance. Commissions are paid through check or ACH. The Credit People’s credit repair affiliate program provides a great opportunity for affiliates to earn passive income by promoting the company’s credit repair services to their audience.
URL: The Credit People Affiliate Program
Commission: $100 – $200 per referral
Cookie duration: Unlisted
Payment methods: Check, ACH
Products: Credit repair services
DisputeBee
DisputeBee offers credit repair software that is designed for professional credit repair companies and individuals, providing consumers with the ability to handle the credit repair process independently.
Users can import their credit reports and automatically generate dispute letters, which can be sent to debt collection agencies, banks, lenders, and credit bureaus, requesting the removal of negative items. The software also allows customers to monitor the progress of their actions.
DisputeBee’s credit repair affiliate program can be found on the Tapfiliate network. Affiliates can earn 35% per sale, and all commission payments are made via PayPal. DisputeBee’s credit repair affiliate program presents a great opportunity for affiliates to earn passive income by promoting the company’s credit repair software to their audience.
URL: DisputeBee Affiliate Program
Commission: 35% per sale
Cookie duration: Unlisted
Payment methods: PayPal
Products: Credit repair software
The Credit Pros
The Credit Pros is a credit repair software provider that uses AI-driven personal credit management software to assist users in locating and removing damaging inaccuracies from their credit reports.
In addition to credit repair services, the company offers educational tools related to personal finance and credit, designed to help customers gain a better understanding of their credit scores and reports.
The Credit Pros’ credit repair affiliate program is listed on the ShareASale network, providing $120 per sale, with an impressively long cookie length of 365 days. According to ShareASale’s data, the program has an average sale of $134 and an EPC of $6.09. However, the conversion rate of 0.05% is a concern. Unlike many other credit repair programs, The Credit Pros offers direct linking via paid search.
The company provides various marketing tools, including banners and creatives, with custom colors and dimensions available upon request. The Credit Pros’ credit repair affiliate program presents an excellent opportunity for affiliates to earn passive income while promoting the company’s credit repair software to their audience.
URL: The Credit Pros Affiliate Program
Commission: $120 per sale
Cookie duration: 365 days
Payment methods: Direct deposit, mailed check, Payoneer
Products: Credit repair software
Credit Saint
Credit Saint is a credit repair company that offers customers an attractive guarantee, demonstrating its commitment to its clients. Customers receive their money back if they do not see positive changes to their credit score within 90 days. Credit Saint provides clients with a comprehensive analysis before signing up, and they can cancel within five days if they decide not to proceed.
Credit Saint’s credit repair affiliate program is available on the ShareASale network, providing a high commission of $100 per sale and an impressive 90-day cookie window. However, at the time of writing, the program has not generated a sale since April 2019, indicating that there may be an issue with its messaging or path to conversion. As a result, it is advisable to proceed with caution when considering this program.
URL: Credit Saint Affiliate Program
Commission: $100 per sale
Cookie duration: 90 days
Payment methods: Direct deposit, mailed check, Payoneer
Products: Credit repair
Conclusion: Credit Repair Affiliate Programs
The credit repair industry presents excellent opportunities for affiliates to earn passive income while helping consumers improve their credit scores and financial well-being. The 12 best credit repair affiliate programs of 2023 offer a range of commission rates, cookie windows, and marketing tools, enabling affiliates to choose the programs that best fit their audience and goals. However, it is important to keep in mind that not all programs are equal, and some may require more effort to generate sales than others. By carefully selecting the right programs and applying effective marketing strategies, affiliates can take advantage of the growing demand for credit repair services and earn a steady stream of commissions in 2023 and beyond.
