If you’re interested in making money with affiliate marketing but can’t find the right niche, consider exploring the credit repair niche. This is a perennial niche in affiliate marketing, meaning that even if you start a website today and create content around the credit repair market, it can continue to generate income for you for years to come.
Statistics show that 53% of Americans have been denied credit cards, loans, or car financing due to poor credit. They are eager to repair their credit because poor credit can directly affect their ability to purchase a home, car, or even impact their parents or children.
Currently, the credit repair industry in the U.S. alone is valued at $4.4 billion, and by 2027, the global market size is expected to exceed $7 billion. This means that promoting the credit repair niche can bring you substantial income.
Moreover, credit repair affiliate programs typically offer higher commissions than insurance or dating affiliate programs. The average commission per sale in credit repair affiliate marketing ranges from $50 to $100, with many affiliate marketers earning around $8,000 to $10,000 per month.
In addition to earning commissions from promoting credit repair affiliate programs, you can also earn more by selling credit repair courses and software. Let’s dive deeper into the credit repair niche and explore its potential for affiliate marketing success.
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6 Best Credit Repair Affiliate Marketing Programs
1.myFICO
FICO scores are the most widely used platform in the U.S., with over 90% of lenders relying on FICO scores to assess creditworthiness. FICO, founded in 1956, introduced its first FICO credit scoring system in 1989, which quickly became the most commonly used credit score standard for loans and credit card applications in the U.S.
The FICO credit score helps lenders assess a borrower’s credit risk by analyzing their credit report information and providing a three-digit score, typically ranging from 300 to 850.
In addition to credit scores, myFICO offers various services, including identity theft monitoring, credit reports, identity theft insurance, and personal financial management.
myFICO’s affiliate marketing program partners with Awin and ShareASale. To apply for the myFICO affiliate program, you need to first become a member of either of these affiliate networks.
myFICO’s product commissions are divided into three levels, offering $5, $10, and $100 commissions respectively. On ShareASale, myFICO is the third most popular affiliate program, with an average sale value of $28.51, an EPC of $117.08, and a conversion rate of 4.05%.
2.Experian Credit Repair
Experian is one of the largest credit monitoring, reporting, and scoring providers globally, collecting and aggregating information on over 1 billion consumers and businesses. Headquartered in Dublin, Ireland, the company employs over 17,000 people worldwide. More than 3.1 million members use its credit monitoring products, and the company has provided over 20 million online credit reports.
Experian offers a wide range of products, including credit reports and scores, credit repair, identity protection and fraud, loans, insurance, health, data analytics, and personal financial management.
Experian’s affiliate program is managed through CJ Affiliate. According to CJ Affiliate data, Experian offers two types of commission payments: $12-$50 per lead and $12-$31 per sale. Products include personal loans, credit repair, auto loans, software downloads, and more.
For example, the Experian Credit Report In-App Registration – iOS affiliate program provides an $8 commission for each user who downloads the Experian app and registers. To make money $100 a day online, you would need to refer 12 users. Experian’s 7-day EPC is as high as $198, indicating strong affiliate popularity and profitability.
3.Lexington Law Credit Repair
Lexington Law, founded in 1991, is a specialized credit repair company created by a group of professional attorneys. It is now one of the largest credit repair firms in the U.S. Over the past five years, Lexington Law has provided credit repair services to over 500,000 clients, removing over 10 million negative items in 2020 alone.
Despite some criticism from clients due to unmet expectations, Lexington Law remains a popular credit repair provider, helping many users improve their credit scores.
Lexington Law previously had two affiliate programs, Progrexion Marketing and CJ Affiliate.
Although CJ Affiliate offered $65 per order, Lexington Law has since removed its products from CJ Affiliate, likely due to high commission costs or underwhelming returns.
4.Credit Saint Credit Repair
Credit Saint is a specialized credit repair company with over 16 years of experience in the industry and a 4.8-star rating from 11,000 users on Google.
Credit Saint offers a significant advantage: if a client’s credit score doesn’t improve within 90 days, they offer a 100% refund. Additionally, Credit Saint provides a comprehensive credit report before starting their service, allowing clients to cancel within 5 days without any fees.
Credit Saint’s affiliate program is available through CJ Affiliate and ShareASale. On CJ Affiliate, Credit Saint offers a high commission of $80 per sale, and on ShareASale, the commission is $100.
Credit Saint’s 7-day EPC is $518 on CJ Affiliate, significantly higher than other programs mentioned, indicating it is a highly profitable choice for affiliates.
5.Sky Blue Credit Repair
Founded in 1989, Sky Blue Credit Repair is an experienced U.S. credit repair company offering services such as credit report analysis, dispute submission, credit monitoring, and personalized credit management advice.
Sky Blue’s affiliate program on CJ Affiliate offers $80 per sale, the same as Credit Saint. However, Credit Saint’s EPC data significantly outperforms Sky Blue Credit Repair’s, suggesting that promoting Credit Saint may be more lucrative. This indicates that Credit Saint’s conversion rates are considerably higher, making it a preferable choice for affiliates.
6.CuraDebt Credit Repair
CuraDebt boasts an average rating of 4.9/5 on ShopperApproved and over 1,000 five-star reviews on CustomerLobby, reflecting its high standing in credit repair and debt settlement.
CuraDebt offers competitive pricing for debt solutions and has a strong reputation for affordability, making it popular among users.
CuraDebt’s affiliate program, available through CJ Affiliate and ShareASale, offers various commission plans based on user actions and includes a two-tier commission structure. Affiliates earn 10% commission on sales made by other affiliates they refer to CuraDebt.
3 Best Professional Credit Repair Software
3 Best Credit Repair Online Course
1.Credit Repair Magic
Credit Repair Magic is one of the most comprehensive and effective credit repair courses available. Users have given it positive feedback, describing it as a “simple and easy-to-use” solution.
The Credit Repair Magic course offers:
- Step-by-step guidance to help users remove inaccurate information from their credit reports
- Automated tools and templates to streamline the credit repair process
- Regularly updated strategies to ensure users are always using the latest credit repair methods
If you are new to credit repair, Credit Repair Magic is an excellent starting course for beginners.
2.The 609 Credit Repair Secret
The 609 Credit Repair Secret is a credit repair course based on Section 609 of the Fair Credit Reporting Act (FCRA). It teaches users how to leverage this legal provision to remove negative information from their credit reports.
The 609 Credit Repair Secret course includes:
- Detailed explanations of the legal basis and application of Section 609
- Professional dispute letter templates
- Real-life cases and success stories to help users understand how to apply these strategies effectively
What sets The 609 Credit Repair Secret apart from other credit repair courses is its focus on Section 609 of the law, making it ideal for those who want to use legal means to repair their credit.
3.Sky Blue Credit Repair
Although Sky Blue Credit Repair is primarily a credit repair service, it also offers related online courses on ClickBank. It provides efficient credit repair strategies to help users significantly improve their credit scores in a short time.
The Sky Blue Credit Repair course includes:
- Rapid credit report analysis and personalized repair plans
- Professionally written dispute letters and creditor communication strategies
- Monthly credit repair progress tracking and updates
Sky Blue Credit Repair is highly regarded for its quick and customized service approach, making it suitable for those who want to see credit repair results in a relatively short period.
These three courses are among the best-selling and most popular in the market. Credit Repair Magic and The 609 Credit Repair Secret attract a large number of users with their intuitive operations and legal foundation, while Sky Blue Credit Repair holds a significant place in the market due to its efficient and personalized service.
How To Start Make Money With Credit Repair Affiliate Programs
Understanding Credit Repair Affiliate Program Commission Structures
In the credit repair industry, advertisers typically offer commissions in two ways:
Commission for Leads
You earn a commission when users download an app or sign up as a member on the advertiser’s website. Commissions for leads usually range from $10 to $50.
Commission for Sales
You earn a commission when users register for a membership and purchase paid credit repair services. Commissions for sales generally range from $20 to $100.
Some advertisers, especially those with significant resources, offer commissions based on both methods.
Creating a Credit Repair Website
While it’s possible to promote affiliate programs without a website, having one is highly recommended.
To effectively promote credit repair services, you need to demonstrate industry expertise. A website allows you to build credibility through professional knowledge and engage users with valuable content related to credit repair. This approach can increase user trust and make them more likely to follow your recommendations.
Most credit repair advertisers work with affiliate platforms like CJ Affiliate, ShareASale, and Awin. Registering with these platforms often requires approval from affiliate managers. Having a website can help establish your credibility and gain the trust of both affiliate managers and advertisers.
Advertisers are generally reluctant to allow beginners to promote their products without proof of expertise.
Selling Your Credit Repair Experience
As you consistently update your website with credit repair content, you’ll continue to learn and gain experience in the field. After a year or two of learning, you might become an expert in credit repair.
In addition to recommending credit repair services from other companies, you can offer your own credit repair services or create a course based on your industry experience. You can sell these services or courses on your website or through affiliate platforms like ClickBank. Keep in mind that the income from selling your own services or courses is often higher than promoting other products or courses.