Your buyer isn't lost over credit. He's just early.
You spent three months on showings. Underwriting came back with a 580 and the deal died. Most agents lose that buyer for good — he fixes his credit somewhere else and closes with someone else's name on the contract.
We're a credit repair firm in Alachua. Send him to us instead — we work his credit file, and he comes back to you, mortgage-ready.
+ $10,440 commission
A branch of your funnel that currently ends in nothing.
You're not signing up for a referral fee. You're bolting a credit repair pipeline onto the part of your business that currently just leaks.
Those 65 don't stop buying houses. They buy in 12 to 18 months, with whoever is in front of them at that moment. That's almost never you.
Some come back mortgage-ready and close with you. Some take longer. Some we can't help and we tell you early. But it isn't a dead end anymore — and you get paid on the ones that work.
Same leads. Same ad spend. Same you. The only thing that changed is that the bottom branch now leads somewhere.
The database you already have
Every agent is sitting on hundreds of old leads marked "not ready" and never touched again. That list isn't dead — it's unworked. Partners typically start by running it back through this, before touching a single new lead.
A market nobody else is working
Every other agent in your county advertises to buyers who are ready. Almost none advertise to the ones who got told no — because they have nothing to offer them. Now you do, and you're the only one saying it.
Credit is only one of the ways your buyer gets a no.
You don't have to diagnose anything. Send the same link every time — the intake figures out which door the person needs and routes them.
Not a law firm. We help clients read their documents and meet their deadlines, and refer to licensed attorneys where representation is needed.
A place to send the people you used to lose.
You don't start offering credit repair — we do that part, under our license and our name. What changes on your side is smaller and more useful: you stop being an agent who has to say no. Every buyer who used to be a dead end now has somewhere to go, and stays attached to you while they're there.
What this partnership is worth to you in a year.
Two things drive it: how many denied buyers you send us, and where their credit ends up. Move both and watch the year change.
Every assumption here is yours to set — including how many come back, which is your estimate, not our promise.
Everyone in your county is bidding on the same buyers.
Two audiences exist in your market. Every agent you compete with is fighting over one of them. The other is sitting there untouched — because nobody has anything to say to it.
Pre-approved, shopping now
This is where your ad budget goes today. You're paying a premium to reach someone who is also being called by six other agents this week.
Wants to buy in 6–18 months
Most of this group never even applied. They assume the answer is no, so they never call a lender and never call an agent — which means they don't show up in anyone's pipeline as a lost deal. They were never a deal to begin with. You're the only voice in an empty room, eighteen months before they transact.
Or farm the buyers you'll close eighteen months from now.
Everything above works with buyers who already walk into your business. This is the other version: we advertise to the people in your market who want to own but assume they can't — the ones who never applied. You meet them a year before they're ready, and you're the only agent in the room. Here is exactly how it goes, month by month.
- We define the market: counties, price band, language mix
- Creative aimed at people who assume they can't buy — not listing ads with new text
- Landing page and intake wired to route by reason
- You: approve creative, confirm your broker is fine with it
- Ads go live under Meta's restricted category rules
- Small budget first — we're buying data, not volume
- First leads land within days
- You: nothing
- Every lead gets reviewed and routed — credit, court, repo, or income
- The ones we can't help get told so, and get logged out
- You see the full list and who went where
- You: read the weekly report
- Files are being worked. Nobody is buying a house yet.
- You'll have spent real money and closed zero deals from this
- This is the month most agents quit — and lose everything they paid for
- You: keep going, or you wasted the first three months
- Clients start coming back mortgage-ready, in a trickle then steadily
- The ones still in process are still yours — nobody else is working them
- Each handback is a buyer who met you when nobody else would help
- You: do what you already do — sell them a house
This is a months-long play and month four is going to feel like a mistake. You will have paid for advertising, seen leads come in, and closed nothing. That's not the campaign failing — that's what the campaign looks like while it's working, because credit takes the time it takes. If you can't sit through a quiet quarter without pulling the plug, don't start this one. Do the referral side only — it costs you nothing and it works on your existing buyers from day one.
Three ways it gets paid for
We pick one together on the call, based on how much control you want over the leads. All three get written down before anything runs.
You fund the ads
Your budget, your ad account, your name. We build and run it. The leads are yours outright and stay yours if we ever part ways.
We fund the ads
Our budget, our account. You're the named agent and get first right on every buyer who becomes mortgage-ready in your market.
Split it
Shared budget, shared account, terms in writing on who holds what if it ends. This is where most partners land after the first quarter.
Advertising that touches housing or credit runs under Meta's Special Ad Category rules, which remove age, gender, and detailed targeting and set a minimum radius. Your brokerage may require approval before your name appears in any ad. Every arrangement is documented in writing before spend begins.
Three steps. You do one of them.
You send one link
Your denied or not-yet-ready buyer fills out a short form. Four minutes for them, zero for you. No paperwork, no forwarding documents, no managing anything after that.
We work the file
Disputes across all three bureaus, method-of-verification requests, documentation, and direct coaching on what to pay down and what to leave alone. Your client gets a portal and monthly updates. So do you — the same ones, at the same time.
They come back to you
When the file is mortgage-ready, we hand the buyer back. Not to a lender we have a deal with. Not to another agent. To you, with the file already prepped for underwriting.
Repairing and building are two different jobs.
Most people think credit repair means deleting things. That's half of it, and it's the half that gets oversold. The other half is putting something there worth reading.
What comes off
We challenge what's inaccurate, incomplete, or that the furnisher can't verify. Not everything gets challenged — and that's the point.
That last line is the one that separates a real firm from a scam. Accurate, verifiable information stays on the report. Nobody can legally remove it, and anyone who says otherwise is selling you something.
What goes on
A clean report with nothing on it still doesn't get a mortgage. These five factors are what a score is actually made of — and four of them we work on directly with your client.
This is the half nobody advertises, because it's slow and it requires the client to actually do things. It's also the half that holds after we're gone.
What we do, and what nobody can do.
You're staking your name on us with a client who already trusts you. So here's the honest version before you do.
- Dispute inaccurate, incomplete, or unverifiable items across all three bureaus
- Request method of verification on every first-round dispute
- Coach your client on utilization, payment timing, and which accounts to leave alone
- Tell you before your client tells you if a file isn't moving
- Guarantee a score increase, or any specific number
- Remove accurate, verifiable negative information — no one legally can
- Promise a timeline. Files move at different speeds depending on what's on them.
- Charge your client before work is performed. That's illegal, and it's why this industry has the reputation it has.
Results vary by file. Some situations nobody can fix quickly — we say so at intake instead of taking the money.
The questions agents actually ask.
What if it doesn't work and my client blames me?
Isn't credit repair a scam?
How long does it take?
Do I have to do anything after I refer someone?
I already work with someone.
I don't want to look like I'm selling my clients something.
What happens to you, step by step.
Everything above was about your buyer. This is about you — from the form on this page to the first check.
Fifteen minutes tells you if it fits.
Fill this out and we'll send the full partner breakdown plus a time to talk. No obligation, and we'll tell you straight if your market isn't a fit for us.
- Founding partner rate — 30%, locked permanently
- A live shared sheet with the status of every client you send
- Paid monthly, on client payment — not on promises
- Bilingual intake — English and Spanish