The amount of debt in the United States is truly staggering. In many cases, this amount of debt is only increasing.

As a result, credit repair companies have lots of customers. These companies are designed to help people with poor credit by removing incorrect information from credit reports.

This allows individuals to be in a better credit position, meaning that they can apply for loans and credit cards.

If you own a website, you can sign up for an affiliate program and market these credit repair companies.

This can be a beneficial niche to get involved with. After all, you can make a profit whilst also helping people to overcome their money problems.

If you are interested in starting your credit repair affiliate journey, here are 13 phenomenal affiliate programs for you to try.

The Best Credit Repair Affiliate Programs

1. Capital Bank

Capital Bank

First, Capital Bank is a great place to get credit cards. This might seem counterproductive since one of the main reasons why people end up in debt is because they use their credit cards too much.

However, having a credit card can boost your credit rating. So long as you use the credit card responsibly, you can enhance your score.

Because of this, Capital Bank can be a brilliant method of repairing your credit.

As an affiliate, Capital Bank offers some handsome rewards. Namely, you will earn $25 for each referral that you give to Capital Bank. This is quite a small fee but you can rack up a ton of money.

The credit length of 30 days is good, though this is somewhat standard for the industry. This program is offered by CJ Affiliate, one of the most widely used and trusted affiliate networks out there.

  • Commission Rate: $25 for every sale
  • Cookie Length: 30 days
  • Link: Capital Bank

2. Lexington Law Credit Repair

Lexington Law Credit Repair

Having been around since 2004, Lexington Law offers an incredible credit repair program. They provide free consultations, enabling you to have a chat about your credit situation.

Thanks to its immense experience in the law industry, Lexington has a deep understanding of the legality surrounding credit. Thus, if you have an erroneous credit report, Lexington can have it removed.

They have helped millions of customers secure their credit scores by getting rid of incorrect entries. This can end up having a massive impact on your score.

This could be the difference between you being accepted for a loan, credit card, or mortgage.

As with other credit repair companies, Lexington Law has different membership levels. They each have different prices. If you are looking for affiliate content, you can explain the differences between each of these programs.

The $65 commission rate is incredibly generous. Consequently, this is one of the most competitive programs out there. All you need to do is refer people to Lexington, so ensure that your content matches this aim.

One thing that you should consider is that Lexington Law has a conversion rate of 40%.

3. Identity IQ

Identity IQ

Your credit score will be seriously affected if you are a victim of identity theft. You could have an amazing credit score. In the blink of an eye, it could be ruined by someone parading as you.

To protect your identity and credit rating, Identity IQ is a really useful tool. The company offers defense against identity theft. It also provides services for credit scoring and reporting.

Essentially, Identity IQ allows people to protect their credit before it has been damaged. This is a great angle for your content to take.

In the digital age, the threat of identity theft is bigger than ever. As a consequence, Identity IQ is an excellent tool.

Acting as an affiliate for Identity IQ will grant you $35 for every lead. This is a good amount of money to make.

It is slightly above the standard for credit repair affiliate programs, so this is a great option if you want to make some decent money.

Identity IQ also gives you the chance to earn more money if you give them tons of referrals. If you have a large platform, it can be quite easy to take advantage of this scheme.

Furthermore, with plenty of avenues when it comes to affiliate content, this should be an easy program to use.

  • Commission Rate: $35 for each lead
  • Cookie Length: 30 days
  • Link: Identity IQ

4. Experian Credit Repair

Experian Credit Repair

You’ve likely already heard of Experian. When it comes to credit repair, Experian is quite well-known and respected.

Though it was officially founded in 1996, the company’s history is even longer. It dates back all the way to 1968. Thus, this brand has plenty of experience when it comes to credit repair.

This good reputation is definitely a positive for affiliate marketing. This is because your customers will be more likely to sign up to Experian if they are familiar with it.

Experian offers a plethora of programs designed to improve credit ratings. This includes the “Experian Boost.” This service makes it simpler to share information about your spending habits. This can seriously repair a person’s credit score.

In terms of Experian’s status as a credit repair affiliate program, they offer decent commission rates. This will vary spending on the action.

The most you will get is $30. This is a good amount, though there are lower-priced commissions that are less appealing.

The cookie duration of just 10 days is a little disappointing. Another consideration that you should heed is that the majority of free trials offered by Experian will get you 0% commission.

If you wish to make big bucks, you should direct your customers to the annual and monthly Experian credit schemes. If not, you might struggle to make much money with this affiliate program.

5. Teachable


You might be surprised to find Teachable on this list. After all, Teachable is an education platform that enables people to create educational content. So why is it on a list of credit repair programs?

Well, the reason for Teachable’s inclusion in this list is that the platform has numerous courses about credit repair. These courses can help people learn how to improve their credit scores.

We think the idea of using Teachable as a credit repair program is great. This is because it gives you a unique opening to write your content.

Plus, your affiliate program will have limited competition. Few other content creators will be recommending Teachable purely for its credit repair content.

Just make sure that if you recommend specific courses you watch them fully. Otherwise, people might be off-put if you are found writing inaccurate content.

Plus, it just makes sense to experience a course before you suggest it.

The commission rate of 30% will mean that the amount of money you make will be reliant on the course prices.

Yet, you can make a lot of money if you recommend an expensive course. For instance, if you advise a course that costs $150, you can end up with $45.

Therefore, you can end up making a large profit through this program. The cookie duration of 90 days is incredible, especially since credit repair programs tend to offer just 30 days.

  • Commission Rate: 30%
  • Cookie Length: 90 days
  • Link: Teachable

6. Credit Saint

Credit Saint

Next, Credit Saint is a New Jersey-based business that works to restore credit. By working alongside this company, clients can have a more positive credit rating.

There are a few techniques utilized by Credit Saint to do this. Firstly, the business looks for mistakes in a credit report so that they can be altered.

Secondly, they look for positive aspects in a report. This is so that they can show you which areas should be worked upon.

The commission rate can vary, so there is not a flat amount that you will earn. However, this commission can be up to $100. This is great news because this is a much better amount than many other affiliate programs.

Just remember that you won’t always be rewarded with this much money. It is worth checking to see what the commission rate is for each action before signing up to be an affiliate.

The cookie length of 90 days is also desirable. As a result, we consider Credit Saint to be one of the most advantageous credit repair affiliate programs out there.

  • Commission Rate: maximum of $100 for each lead
  • Cookie Length: 90 days
  • Link: Credit Saint

7. SuperMoney


Essentially, SuperMoney is a platform for comparing financial services. For instance, you can use this service to find the best loans or credit card options for you. This gives customers increased control over their finances.

As you can see, SuperMoney is a little different from the rest of the credit repair sites in this list, performing a noticeably different function.

They also provide comparisons for various credit repair companies, many of which are featured in this list. As a consequence, it is easier than ever before to find the ideal business.

This is why SuperMoney has been included in this list. Though it is not directly a credit repair brand, it is a platform to compare these brands so that customers can find a company suited to their needs.

The fact that SuperMoney offers such a wide variety of services is a massive bonus. After all, it means that it can be easy to produce relevant content.

You won’t just have to talk about the credit repair comparison. Instead, you can also discuss other services.

The commission for this business is a whopping $75 per lead. This is a great rate that few other brands can compete with. If you can generate a lot of customers for SuperMoney, you can earn yourself a substantial profit.

If you are interested in becoming an affiliate for SuperMoney, you can do this through the business. Alternatively, you can also become an affiliate via FlexOffers.

  • Commission Rate: $75 for each lead
  • Cookie Length: 30 days
  • Link: SuperMoney

8. CuraDebt Credit Repair

CuraDebt Credit Repair

One of the main ways of improving your credit score is to pay off any debts that you have acquired. CuraDebt helps customers to achieve this.

CuraDebt finds what debts you owe. They then help you to solve debt issues. This debt settlement service can result in customers having to pay less money.

This is an extremely valuable service if you are suffering from credit issues.

The $30 commission for each lead is tame. Though this commission is not massive, it can nonetheless build up over time. Therefore, CuraDebt’s commission can be worth it.

Luckily, there are more bonuses that you can earn on top of this. For instance, you can be rewarded with $200 for every sale if you refer a paying customer. This is a pretty substantial payment for credit repair.

You can also get $5 for getting fellow affiliates to sign up via a link. Therefore, CuraDebt offers its affiliates lots of different rewards.

Interestingly, the cookies do not expire.



MyFICO is one of the most recognizable names in the industry of credit repair. It is the first brand that many people think of when they hear the words “credit repair.”

Therefore, if you want a company with a large user base and a good brand reputation, you should consider opting for MyFICO.

Many businesses use MyFICO to determine whether or not people are suitable for loans. This is because MyFICO’s premier service is credit score monitoring.

They offer different credit monitoring packages, which cost varying amounts. There are 3 different packages, namely “basic”, “advanced”, or “premier.”

You may be confused as to why MyFICO has been included in this list. This is because MyFICO can help prevent people from developing bad credit to begin with.

If you realize that your credit score could be better, MyFICO acts as a warning to improve it before things get worse.

Moreover, your customers can use this company to continually check their credit. Therefore, if they endeavor to improve their credit, they can constantly check whether or not they are making any progress.

The flat commission rate is okay, though it could be better. You will be given $5 for every referral you bag. If you manage to get customers to sign up for 3 bureau services, you can earn $10.

Finally, if you are lucky enough to get customers who choose an annual 3 bureau service, you will be rewarded with $100.

This is a large reward, though you might have to work hard to get customers to sign up for this. After all, it is more likely that businesses will use this service.

You can be paid either by direct debit or check, giving you some options. However, you should bear in mind that the company has a monthly fee and there is a conversion rate of 12%.

  • Commission Rate: $5 for every lead
  • Cookie Length: 30 days
  • Link: MyFICO

10. The Credit People

The Credit People

Having been around since 2001, the Credit People have decades of experience in the industry of credit repair.

Their solutions are designed to boost credit scores by removing negative elements and focusing on the positives.

This service has a broad appeal so it should be simple to get people to sign up for Credit People.

In addition, with a potential commission of $100 for every sale, you can make boatloads of cash. As with other platforms on this list, the number will vary depending on the sale. Yet, there is a lot of potential for profit here.

The cookie duration of 3 years is very long. This is especially true since many of this brand’s competitors have a cookie length of just 30 days.

  • Commission Rate: Maximum of $100 for every sale
  • Cookie Length: 3 years
  • Link: The Credit People

11. Reliant Credit Repair

Reliant Credit Repair

Reliant Credit Repair provides free consultations, allowing customers to discover the state of their credit. This consultation will allow trained experts to identify any mistakes in your credit report, which could lead to it being enhanced.

Like many of its rivals, Reliant Credit Repair provides two separate packages for customers to choose from.

The first package will inform the customer when there is a problem with their credit report. Meanwhile, the second package is a more comprehensive monitoring system.

The 40% commission rate is beneficial. This is especially true if customers choose the more expensive audit package, as you can earn a lot of money through this transaction.

If you manage to convince customers to select this option, you can generate massive profits.

12. TransUnion


Our penultimate pick is TransUnion. This is a company that creates credit reports. Via this company, you can find out all about your credit score.

TransUnion has been around for a long time and is active in numerous countries, not just the United States and Canada. Alongside Experian, TransUnion is one of the largest and most iconic credit reporting brands in the world.

If someone is having credit problems, they can use TransUnion to analyze their credit score. This will allow them to make necessary changes.

You should bear in mind that the $60 commission refers to Canadian dollars. This translates to approximately $45, though this is subject to currency conversion rates. This is a fair commission rate for sales.

The cookie length of 45 days is a little longer than the average, though this is not a dramatic departure from the norm.

  • Commission Rate: $60
  • Cookie Length: 45 days
  • Link: TransUnion

13. National Debt Relief

National Debt Relief

Last but far from least, National Debt Relief offers an amazing affiliate program. This service is targeted at people who are experiencing overwhelming debt.

This organization uses strategies to minimize a person’s debt. They help customers to pay what they can. They try to negotiate debt settlements to limit the amount the person has to pay.

If you know experiencing sizable debt, they should seriously consider using National Debt Relief.

There are two different payment methods for this affiliate program. The first is that you will receive a flat payment of $27.50 for every lead. This is known as a Cost per Lead system.

There is also a Cost per Call system on offer, whereby you can get $41 for every customer who signs up for the platform’s credit repair program.

The cookie length of 60 days is double the industry average. This gives you a while to make a commission.

How Did We Devise This List?

Trying to choose to narrow down the list of credit repair affiliate programs was tough. This is because there are just so many to choose from.

Ultimately, we formulated this list by comparing some of the top affiliate programs out there. We then used certain considerations to limit the number of options. Namely, we looked at the following factors:

  • Commission rate: to make a decent amount of money, you will likely need a high commission rate. There are loads of different options out there, so be sure to evaluate this before choosing a program. You should pay attention not only to the rate but also to what you will be paid for.
  • User base: ideally, a credit repair affiliate program needed a wide user base to appear on this list. This is because people will feel more comfortable using a service if it has tons of users.
  • Cookie length: this can seriously affect how much you make, so it was important to find programs with good cookie durations.
  • Brand recognition: well-known brands have good reputations. People are more confident signing up to brands that they recognize. Thus, we tried to pick some recognizable brands.

Using these factors, we were able to find 13 tremendous credit repair affiliate programs. To us, these are the best. Of course, there are other programs out there so be sure to check them out.

Frequently Asked Questions

Becoming a credit repair affiliate can be immensely worthwhile. Not only can you earn a profit, but you can rest assured that your recommendations are helping people.

As you can see, there are lots of different competitive credit repair affiliate programs on the market, so be sure to research them thoroughly before you make a choice.

You should not just base your decision on the commission rate but other factors too. For instance, you should consider which program will be best suited to your website.

With any luck, this list will have put you in a more informed place to make your decision.