💸 Want to Make Money by Helping Your Friends?
Credit Repair Referral Program
Opportunity #1: Personal Credit Coaching Referrals
Earn $10 for every friend or family member you refer who signs up for our Personal Credit Coaching Program.
Program Highlights:
✅ Simple referral submission form
✅ Easy-to-use affiliate portal
✅ Monthly reporting so you can track earnings
✅ $10 per person enrolled
✅ Paid monthly — up to $500 per year
✅ No 1099 form required
It’s that easy: help your friends fix their credit, and earn extra cash while doing it.
Then Credit affiliate program
Help someone move forward. Get paid when they enroll.
Refer friends, clients, or applicants who need credit coaching. They receive a free consultation, our team handles the next steps, and you earn when an eligible referral becomes a client.
Two simple opportunities
Choose the referral path that fits you.
Both options include a simple submission process, an affiliate portal, monthly reporting, and monthly payouts for eligible enrollments.
Friends and family referrals
Personal credit coaching
Send a friend or family member who wants help understanding and improving their credit. You earn when the person enrolls in Personal Credit Coaching.
- Easy referral submission form
- Affiliate portal and monthly reporting
- Paid monthly, up to $500 per year under the current program
- No 1099 required under the current program terms
Professional referral partners
Personal credit restoration
Send applicants or clients whose credit is keeping them from their next step. Our Credit Specialists handle the analysis, consultation, and enrollment.
- At least $30 for each eligible enrolled client
- Commission can increase with higher monthly referral volume
- Free consultation for the person you refer
- Affiliate portal, monthly reporting, and monthly payouts
Plain-language earnings note: commissions are paid only for eligible referrals who complete enrollment. Referral volume and results vary. Program terms, payout amounts, and tax-reporting requirements may change or apply differently based on your situation.
How it works
You make the introduction. We handle the credit conversation.
No credit expertise is required. You do not diagnose credit or promise an outcome.
Join or submit
Use the partner application for ongoing referrals, or the coaching form for a simple friend-and-family introduction.
We follow up
The person receives a free consultation so our team can understand the reports, goals, and available service options.
Track and earn
Follow eligible enrollments through the affiliate portal. Approved commissions are reported and paid monthly.
A useful next step for your clients
Built for people who hear “credit is the problem.”
This program can be a practical resource when a client is not yet ready for a mortgage, vehicle, rental, insurance option, business goal, or other financial next step.
Before you apply
Common questions, answered clearly.
Does it cost anything to become an affiliate?
No. Becoming a Then Credit affiliate is free. Complete the application so the program can set up your referral access and reporting.
Do I need to understand credit laws or disputes?
No. Your role is to make a truthful introduction. Then Credit handles the consultation, report review, service explanation, and enrollment. Affiliates should not promise score increases, deletions, approvals, or any specific result.
When do I earn a commission?
A referral alone does not create a commission. You earn the stated amount when an eligible referral completes enrollment under the applicable program terms.
How do I know what happened with a referral?
Approved affiliates receive access to an affiliate portal and monthly reporting so eligible referral activity can be tracked.
Can I refer someone for a free consultation?
Yes. Referred prospects can speak with the credit team before deciding whether a service fits their needs.
💼 Want to Earn Money as an Affiliate?
We Need You. You Need Us.
For years, we’ve relied on our affiliates as the backbone of our business. It’s a win–win partnership: we help your clients improve their credit, and you earn extra income by simply referring them to us.
When you send us credit-challenged clients, we provide them with a free consultation. If they enroll, you earn a commission while tracking their progress through your affiliate portal. It’s that simple.
Who Can Benefit?
This program is a perfect fit for professionals who regularly interact with consumers or businesses, including:
Real Estate Agents & Mortgage Brokers
Auto Dealers
Tax Professionals
Salespeople & Call Centers
Advertising & Marketing Pros
Financial Services Companies
Business Brokers, Banks & Credit Unions
Insurance Agents and More
If your clients or prospects ever need help with their credit, this is a lucrative and effortless way to add income.
Credit Repair Affiliate Program
Opportunity #1: Personal Credit Restoration
Earn at least $30 per client you refer who enrolls in our Consumer Credit Restoration Program.
Send us denied applicants – our Credit Specialists handle the analysis, consultation, and enrollment.
Commissions increase with higher referral volume in any calendar month.
Program Benefits:
✅ Easy referral submission form
✅ Monthly reporting
✅ $30+ per enrolled client
✅ Paid every month
✅ Affiliate portal for tracking referrals
✨ Becoming an affiliate is FREE, simple, and supported every step of the way. Start earning today by helping others restore their credit!