Best Credit Repair Affiliate Programs

Credit Repair Affiliate Programs You Never Knew Existed

These credit repair affiliate programs offer some of the highest paying affiliate commissions per referral.

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In the first quarter of 2022, a data report from the Federal Reserve Bank of New York showed a sharp increase in total household debt to $15.84 trillion.

Whether it’s due to poor personal finance management or an unexpected financial crisis, the amount of debt carried by American families is a staggering number. As families try to keep up with their monthly debt repayments, others are reeling from the effects of defaulting on those credit lines.

Defaulting on loans or getting a charge off on your credit report can do serious damage to your credit score and reputation.

Consequently, there are many people looking for ways to increase their credit scores and get back on track to being more financially stable. If you can provide them with that help, then you’ll be well on your way to making money with any of these credit repair affiliate programs. 

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Credit Repair Affiliate Programs

Some of these are not your traditional credit repair companies. The industry is changing and these companies are making it much easier for people to increase their credit scores fast.

  1. Brigit
  1. Credit Repair Cloud
  1. Chime Credit Builder
  1. OpenSky from Capital Bank
  1. Varo Believe
  1. National Debt Relief
  1. MyFico 


credit repair affiliate programs

Brigit coins themselves as a financial health app helping Americans protect their credit scores by offering budgeting tools and cash advances up to $250. This relatively new company launched in 2019, but is already being backed by heavy hitter celebs including actor Ashton Kutcher, Jennifer Lopez and basketball superstar Kevin Durant.

Brigit works by offering credit builder installment loans based on the applicant’s ‘Brigit score.’ This score is determined by their bank account activity, which is connected to the app. No formal credit check is otherwise conducted in order to receive the loan.

Once the applicant is approved for a credit builder loan, the money borrowed will go into a locked savings account with Coastal Community bank. Each month, the loan is paid using a combination of the money from the locked account, as well as the agreed upon amount to be paid by the loanee. 

Brigit then reports the monthly payments to all three credit bureaus. When the loan is fully repaid, the applicant gets all contributions to the payments back. 

Brigit Affiliate Program Details

Sign Up: Download the Brigit app here to become an affiliate.

Affiliate PayOut: $10 per referral direct to your bank account when they become a Brigit Plus member. Your referral will also get $10.

Credit Repair Cloud

Credit Repair Cloud Affiliate Program

The Credit Repair Cloud is a SAAS product used by entrepreneurs interested in building a credit repair business. So if this is an area you plan to niche down on, then this may be worth considering both for its software and affiliate program. 

The software itself helps credit repair entrepreneurs seamlessly upload client credit reports and send out dispute letters in bulk. In doing so, it helps you scale the business without the need of hiring additional admin support (or at least not as many as you would have without the software).

On top of that, the software will assist with credit audits, batch printing, and keeping track of client lead sign ups and outreach.

There are a variety of ways to earn affiliate commissions with the Credit Repair Cloud, which makes this an appealing choice for affiliate marketers. This includes earning recurring affiliate commissions as well as making money on high ticket sales.

Credit Repair Cloud Affiliate Program Details

Sign Up: Join via the PartnerStack Affiliate Network

Affiliate PayOut: You’ll earn 30% recurring commissions on software sales. 

You can also earn 100% commission ($47) on their Credit Hero Challenge

On their High Ticket Masterclass program you’ll earn a 30% one-time commission of $299.10 per sale.

Chime Credit Builder

Chime Credit Builder Card

Chime is an online banking app where people can do fee-free banking, as well as repair their credit with no annual fees or interest. I use Chime as a backup to my main TD Bank debit card. It’s also my main hub for deposits of various side hustle gig apps I use. 

In order to access the Chime Credit Builder Visa® card, one has to first become a Chime Checking account holder (it’s free to open an account!). Once approved, simply make a qualifying direct deposit of $200 or more to access the credit builder card feature. This action will also earn the person a $100 Chime banking bonus if they used a referral link to open their Chime checking account.

The Chime Credit Builder card works by using your own money to build credit. Move money from your Chime checking account to your Chime Visa® card and make purchases as usual. The amount on your Chime Visa® card is essentially your ‘credit limit.’ Every month, Chime will use that money to pay your monthly balance on purchases made for that period. These on-time payments are then reported to all three of the major credit bureaus. 

Chime Affiliate Program Details

Sign Up: Download Chime here to access your referral link.

Affiliate PayOut: $100 per referral that completes a qualifying $200 direct deposit within the first 45 days of opening their Chime checking account. Your referral will also earn a $100 bonus.

OpenSky from Capital Bank

OpenSky Credit Card

The OpenSky Secured Visa® Credit card is similar in some ways to the Chime Credit Builder card, but with much higher fees. Though for the right person, this card may be a good fit to building a positive credit history. 

There is no credit check necessary to apply since the OpenSky card uses your money to build your credit. You choose your credit limit by making a cash deposit of between $200 to upwards of $3,000, and use the card to make purchases as usual.

OpenSky reports to all 3 major credit bureaus each month when your billing statement is generated. A good history of making on-time payments will ultimately help  push up your credit score.

While this all sounds great, the OpenSky card does come with some hefty fees. These include an annual fee of $35, late payment fee of $38, a foreign transaction fee of 3% as well as other fees. This is also in addition to the current 17.64% variable APR on purchases and cash advances.

OpenSky Affiliate Program Details

Sign Up: Join the CJ Affiliate Network to sign up for the affiliate program.

Affiliate PayOut: $25 per referral

Varo Believe

Varo Believe Credit Builder

Varo Bank is another popular online banking option that offers various features including a credit builder card. Are you starting to notice how many of these similar companies exist? It’s a lot! 

It’s great on one hand because they help consumers rebuild their credit. But when you really think about it, that also means there’s a lot of demand for this sort of help due to people being in so much debt. 

As unfortunate as that is, this demand creates a significant opportunity for you to promote credit repair affiliate programs and make money helping others. 

With Varo Bank, you have to be a checking account holder in order to apply to the Varo Believe Credit Builder card. In order to get started, simply complete $500+ in qualifying direct deposits. 

Once approved, transfer money from your Varo bank account to your Varo Believe secured card. This will essentially be your credit limit. Spend as usual and turn on ‘SafePay’ to ensure your monthly statement is paid automatically and on-time.

Varo Believe Affiliate Program Details

 Sign Up: Download Varo here to access your affiliate link.

Affiliate PayOut: Earn $50 per referral when they spend $20 within 30 days of opening their new Varo Bank account. Your referral will also earn $50.

National Debt Relief

National Debt Relief Affiliate Program

National Debt Relief is one of the country’s largest debt relief companies, and has helped over 400,000 people get out of debt since 2009. The program offers a variety of services catered to the specific needs of the client.

Those that would most benefit from their services include people who have large debts including: credit card debt, personal loan debt, medical bill debt, business debt, and those who are currently under collections or repossession mandates.

The service works by first having a free consultation call with a National Debt Relief member. From there, your debt relief options are laid out and an affordable personalized plan is presented to you. Once you approve the plan and pay the service fee, National Debt Relief states you’ll get back on track to financial stability within 24 – 48 months.

National Debt Relief Affiliate Program Details

Sign Up: Join via the Shareasale Affiliate Network

Affiliate PayOut: You’ll earn $27.50 per each qualified lead. 

Qualified leads must have at least $10,000 in unsecured credit card debt, live in a qualified state, and be looking for help with their debt.

Additionally, you can earn by referring other affiliates to the program. You’ll earn 12% of your referral’s commissions each month.


MyFico affiliate program

MyFico may seem as a surprise website to be on this list, but there is a good reason for it to be featured!

Someone who is looking to repair their credit will want to stay on top of their credit score. It might seem like common knowledge, but this simple task of knowing your credit score and where to get started on your plan of attack is oftentimes overlooked.

And what better place to start this process then to sign up with a credit monitoring service such as MyFico. Not to mention, the website is run by the creators of the very important FICO Score. So it only makes sense to make mention of this website when discussing credit repair affiliate companies.

MyFico Affiliate Program Details

Sign Up: Join via the Shareasale Affiliate Network

Affiliate PayOut: $5 per referral sale.

Final Thoughts

With over $15.84 trillion in household debt, there’s a good chance that many of these debt holders will default on their payments. Consequently, many people will be looking for ways to get back on stable footing and may need credit repair help. These credit repair affiliate programs will come to the rescue in aiding them reach financial stability again, as well as earn you affiliate sales in the process.

Ready to start a successful Credit Repair business? If so, make sure to check out this free training to get started today!

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