Credit Genius AI Affiliate Program OverviewSign Up Now

Unlock Prosperity with Credit Genius AI – Your Key to Credit Transformation!

Embark on a journey to financial triumph with Credit Genius AI, where not only do we revolutionize your credit repair experience, but we also share the wealth! Become a part of our success story through our enticing affiliate program.

🔗 Lead Magnet & Upsell/Downsell Advantage:

Use Credit Genius AI as a powerful lead magnet, enticing affiliates with the allure of effortless DIY credit repair. Elevate your business by leveraging it as both an upsell and downsell tool, offering a comprehensive solution that resonates with your audience.

Affiliate Advantages:

1. Monthly Residual Commissions:

      - Join the Credit Genius AI affiliate program and revel in monthly residual commissions. As you empower others to take control of their credit destiny, you'll continuously reap the rewards of their success.

2. White Label Solution:

      - For the trailblazers among you, Credit Genius AI extends a white label solution to qualified affiliates. Stamp your brand on our powerful credit repair platform and offer a tailored experience to your audience, while still benefiting from the robust capabilities of Credit Genius AI.

Why Affiliate with Credit Genius AI?

- Leverage Innovation: Partner with a platform that merges cutting-edge technology with a user-friendly interface, creating a unique credit repair experience.

- Transform Lives: As you guide others towards credit success, witness the positive impact on their lives and finances.

- Monthly Prosperity: Enjoy the thrill of regular commissions, turning your affiliation with Credit Genius AI into a source of steady income.

- Branding Empowerment: Qualified affiliates can enhance their brand by utilizing our white label solution, presenting a customized credit repair solution under their own banner.

Product Description and Features

Say goodbye to the hassle and uncertainty of fixing your credit because Credit Genius AI is here to revolutionize the way you take control of your financial future. With our cutting-edge technology and user-friendly platform, repairing and enhancing your credit score has never been faster or easier.

🚀 DIY Credit Repair Made Effortless:

Gone are the days of tedious work and relying on luck. Credit Genius AI empowers you to effortlessly repair your credit with a simple, yet powerful, DIY approach. It's so smart and user-friendly; you'll think it's magic.

💡 Unlock the Power of Credit Genius AI:

- Dispute Across All 3 Bureaus: Tackle issues on Experian, Equifax, and TransUnion effortlessly.

- Comprehensive Account Deletion: Credit Genius AI helps you eliminate a range of detrimental accounts, including late payments, repossessions, charge-offs, foreclosures, collections, judgments, inquiries, and even bankruptcy.

🔄 Streamlined Credit Management:

- Single Account Creation: No need to juggle multiple accounts with different bureaus; Credit Genius AI brings all three to your fingertips.

- Smart Import Feature: Import your 3 bureau credit report seamlessly without leaving a hard inquiry trail.

🤖 Harness the Power of Artificial Intelligence:

- Brilliant AI Assistance: Our Artificial Intelligence identifies accounts harming your credit and guides you in crafting compelling disputes for their removal.

- Unlimited Disputes: Whether you have one account or fifty, Credit Genius AI effortlessly manages and tracks all disputes across all 3 bureaus simultaneously.

📜 Professional Letter Generator:

- Boosted Effectiveness: Experience higher success rates with letters, which are more potent than online disputes. Credit Genius AI's letter generator ensures your disputes align with consumer protection laws.

📊 Track Your Progress:

- Monthly Updates: Witness the transformation in real-time. Credit Genius AI imports your new 3 bureau credit report monthly, showcasing deleted accounts and your improved credit scores.

- Strategic Guidance: If an account persists, Credit Genius AI suggests new strategies for additional disputes.

Business Funding Program OverviewSign Up Now

Reason We Chose Partners: Proven program with hundreds of successful examples. Good/Close relationship with ownership.

Program Details

Product Description: Obtain up to $250,000 of Unsecured Business Credit and up to $100,000 of NON-Recourse Corporate Credit. The Funding Partners 12-Month done-for-you funding membership is a tested and proven lending program that obtains up to $250,000 of unsecured, business credit cards and shows you how to access the cards as cash lines of credit, eliminating the cash advance fees. Each business card provides an introductory interest rate of 0% for an average of 12 - 18 months. Almost all major banks and many regional banks offer these 0% introductory cards. Funding Partners leverages these offers in an organized way to create easy-to-use available funding and through the credit card stacking process, the credit lines can be kept at a 0% rate long-term. The best part about Unsecured Business Credit is that it's setup without appearing on your personal credit, risking collateral or assets, giving up equity in your deal or business, having to complete complex financials, or paying high interest rates.

Benefits: There are several potential benefits for small business owners using the Funding Partners 12-Month done-for-you funding membership:

1. Access to Unsecured Business Credit: Small business owners can benefit from access to up to $250,000 of unsecured business credit. This can provide the necessary capital for various business expenses, such as purchasing inventory, expanding operations, or investing in marketing and advertising.

2. Non-Recourse Corporate Credit: The availability of up to $100,000 of non-recourse corporate credit offers an additional funding option for small business owners without the requirement of personal collateral. This can be especially advantageous for protecting personal assets while securing funding for business growth and development.

3. Leveraging 0% Introductory Interest Rates: The program's ability to secure business credit cards with an introductory interest rate of 0% for an average of 12-18 months can significantly reduce the cost of borrowing for the business. This feature can help small business owners save money on interest payments and allocate more resources towards business operations and expansion.

4. Cash Access through Credit Lines: Learning how to access the secured business credit cards as cash lines of credit without incurring cash advance fees can provide immediate liquidity for the business. This feature can be particularly beneficial during periods of financial need or when facing unexpected expenses.

5. Diverse Lender Options: Having access to a wide range of major and regional banks that offer 0% introductory credit cards provides small business owners with flexibility and choice. This diversity allows businesses to compare and select the best credit card options that align with their specific financial needs and requirements.

6. Simplified Funding Process: The "done-for-you" nature of the funding membership streamlines the funding process for small business owners, saving them time and effort in navigating complex lending procedures. This simplified approach allows business owners to focus more on managing and growing their business while leaving the financing aspects to the expertise of the program.

Guidelines/Qualifiers: Applicants must have a credit score of over 700 without any derogatory tradelines at all for the business credit program to work. Program typically takes 12 months to complete. Includes membership for 2 people, a free business entity-Will pay to incorporate and pay state fees.

Extra Card Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

• It fills a big hole in the consumer financial recovery process
• Well established company with a great product

Program Details

Extra is a debit card service that enables users to build credit history while earning rewards, functioning similarly to a credit card. It aims to provide a safer and more accessible credit experience compared to traditional credit cards, avoiding common pitfalls associated with credit card usage. Here are the key features and benefits of the Extra card:

• Build Credit History**: Extra is the first debit card that helps users build their credit history, allowing them to work towards important long-term goals like securing a housing mortgage or obtaining favorable repayment plans on significant purchases.
• No Credit Check**: Extra does not require a credit check for enrollment, making it accessible to over 100 million Americans who either choose not to have a credit card or cannot qualify for one.
• No Interest Charges**: Unlike credit cards, Extra does not incur any interest charges, providing users with peace of mind while making purchases.
• No Deposit Required**: There is no need for a deposit to use Extra, making it easier for individuals to join the service and start building their credit.
• Credit Reporting**: Extra reports users' transactions to major credit bureaus, Equifax and Experian, as credit-worthy purchases, which helps improve their credit score over time.
• Affordable Cost**: The monthly cost of using Extra starts as low as $7, making it an accessible option for users seeking to build credit.
• Daily Automatic Payments**: Extra automatically pays itself off daily, ensuring that users' credit utilization resets every 24 hours, simulating a credit card that pays off its balance without incurring interest charges.
• Spend Power**: Upon signing up and connecting their bank account, users are provided with a spending limit (Spend Power) based on their bank balance, with no credit check required. Making regular purchases with Extra can increase the Spend Power over time.
• Rewards and Benefits**: Users can earn rewards for their purchases made with Extra, adding additional value to the service.
• Convenience and Predictability**: With Extra, users can enjoy the ease and predictability of a debit card while still benefiting from credit-building opportunities.
• Extra's unique features make it an attractive option for individuals looking to establish or improve their credit history without the risk and complexities associated with traditional credit cards.

Pros of Extra Card as a Credit Building Tool:

1. Credit Building with Debit Card: The Extra Card allows consumers to build or rebuild their credit history using a debit card, which is more accessible than traditional credit cards.
   
   
2. No Credit Check Required: Extra does not perform a credit check, making it available to a broader range of consumers, including those with limited or damaged credit histories.
   
   
3. No Interest Charges: Since it operates as a debit card, there are no interest charges, helping users avoid accumulating debt due to interest payments.
   
   
4. Reports to Major Credit Bureaus: Extra reports credit-worthy purchases to Equifax and Experian, positively impacting the cardholder's credit score with responsible use.
   
   
5. Spending Limit Based on Bank Balance: The spending limit is determined based on the user's bank balance, providing a more accurate representation of their financial situation.
   
   
6. Daily Self-Payment: The Extra Card automatically pays itself off daily, maintaining a low credit utilization rate, which benefits credit scores.
   
   
7. Helps Achieve Long-Term Goals: Building a positive credit history with the Extra Card can lead to opportunities for securing housing mortgages or obtaining favorable repayment plans.
   
   
8. Ease and Predictability: The Extra Card offers a safer and more predictable credit-building experience compared to traditional credit cards with high interest rates and hidden fees.. Rewards Program: Users can benefit from cashback or other incentives while responsibly using the card.

Cons of Extra Card as a Credit Building Tool:

Limited Credit-Building Impact: The credit-building impact might be slower or less significant compared to traditional credit cards with higher credit limits and longer credit history.

Solution/Strategy:

• Use it as a supplementary tool: Consider using the Extra Card in conjunction with a traditional credit card to build credit faster. Responsible use of both cards can strengthen the consumer's credit history.
  
  
• Monitor credit progress: Regularly check your credit reports to see the impact of the Extra Card on the consumer credit score. This will help you assess its effectiveness and adjust your strategy if needed.
  
  

Potential Spending Temptation: The rewards program and increased spending power might tempt users to overspend, defeating the purpose of responsible credit building.

Solution/Strategy:

• Set a budget and stick to it: Establish a spending plan that aligns with your financial goals and commit to staying within your budget, regardless of the rewards or spending power offered by the Extra Card.
  
  
• Focus on responsible use: Remind yourself that the primary purpose of the Extra Card is to build credit, not to accumulate rewards. Use the card for necessary purchases and pay it off promptly.
  
  

Not Suitable for Emergency Funding: As a debit card, the Extra Card might not be ideal for emergency funding, lacking the safety net of credit cards.

Solution/Strategy:

• Maintain an emergency fund: Set aside a separate savings account for emergencies. This fund will serve as your safety net for unexpected expenses, reducing the reliance on credit cards for emergencies
  
  

Lack of Credit Card Benefits: The Extra Card may not offer additional benefits such as purchase protection, extended warranties, and fraud protection available with credit cards.

Solution/Strategy:

• Compare benefits with other cards: Assess the benefits provided by the Extra Card and compare them with those of traditional credit cards. If certain benefits are crucial to you, consider using a credit card for those specific purchases while still using the Extra Card for credit-building purposes.
  
  

Limited Credit Score Impact: While the Extra Card reports to major credit bureaus, its credit-building impact might not be as comprehensive as traditional credit cards.

Solution/Strategy:

• Diversify credit usage: Utilize other credit-building methods, such as becoming an authorized user on someone else's credit card or taking out a small credit-builder loan. This diversity in credit usage can strengthen your credit profile.
  
  

Dependence on Transactions with Extra Card: The increase in Spend Power is tied to the number of transactions made with the Extra Card, potentially incentivizing unnecessary transactions to boost Spend Power.

Solution/Strategy:

• Use strategically: Avoid unnecessary transactions just to boost Spend Power. Instead, focus on using the Extra Card for regular expenses and payments that you would make regardless of credit-building efforts.
  
  
• Set transaction limits: Implement self-imposed transaction limits to prevent excessive spending just for the sake of increasing Spend Power. Focus on responsible financial habits rather than gaming the system

Remember that the key to successful credit building with any card, including the Extra Card, is responsible and disciplined financial behavior. Pay bills on time, keep credit utilization low, and avoid accumulating debt beyond your means. Over time, these positive habits will lead to an improved credit score and better financial prospects.

Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

Program Details

Pros of xxx:

Guidelines/Qualifiers:

Payout Terms:

Payout Schedule:

Debt Management / Credit Counseling Program OverviewSign Up Now

Program Details

Pros: Credit counseling services offer a range of benefits to consumers struggling with significant debt. Some of the key advantages include:

1. Lowered Interest Rates: Credit counseling services often work with creditors to negotiate reduced interest rates, which can significantly decrease the overall amount of debt owed. Lower interest rates make it easier for consumers to manage their debt and can potentially save them a substantial amount of money over time.
2. Debt Management Plan (DMP): Credit counseling agencies can help consumers create a personalized debt management plan tailored to their financial situation. These plans typically involve negotiating with creditors to create a structured repayment plan that is more manageable for the consumer. Through a DMP, consumers can consolidate multiple debts into a single monthly payment, making it easier to keep track of their finances and repay their debts in a timely manner.
3. Improved Credit Score: By enrolling in a debt management plan and making consistent, on-time payments, consumers can demonstrate responsible financial behavior. Over time, this can lead to an improved credit score. Timely payments and reduced overall debt can positively impact credit utilization ratios, one of the key factors in determining credit scores.
4. Financial Education: Credit counseling services often provide financial education and resources to help consumers develop better money management skills. They may offer budgeting tips, debt management strategies, and other financial literacy tools to empower consumers to make informed decisions and avoid falling into debt in the future.
5. Avoidance of Bankruptcy: For consumers facing significant financial challenges, credit counseling can provide a viable alternative to bankruptcy. By working with a credit counselor, consumers can explore options for repaying their debts without resorting to the drastic measure of declaring bankruptcy. Avoiding bankruptcy can help protect the consumer's assets and maintain their financial stability in the long run.
6. Creditor Communication: Credit counseling services act as an intermediary between consumers and creditors. They can handle communications with creditors on behalf of the consumer, reducing the stress and pressure associated with dealing with multiple creditors and collection agencies. This can provide consumers with peace of mind and alleviate the emotional burden of managing overwhelming debt on their own.

Cons: While credit counseling services can be highly beneficial for consumers struggling with debt, there are certain potential drawbacks and considerations to keep in mind:

1. Impact on Credit Score: While enrolling in a debt management plan (DMP) can eventually lead to an improved credit score, initially, it may have a negative impact. Some creditors may report that an account is being managed through a credit counseling agency, which could potentially signal financial distress to future lenders. Additionally, closing accounts as part of a DMP can affect the length of credit history, which is another key factor in determining credit scores.
2. Fees and Costs: Some credit counseling agencies charge fees for their services, including setup fees, monthly maintenance fees, and other associated costs. While these fees may be reasonable and manageable, it's important for consumers to fully understand the fee structure and ensure that the costs are justified by the benefits they receive from the service.
3. Length of the Program: Debt management plans typically have a fixed duration, and it may take several years to fully complete the program. During this time, consumers are required to make consistent monthly payments according to the agreed-upon plan, which may restrict their financial flexibility and limit their ability to take on new credit.
4. Possible Impact on Future Borrowing: While credit counseling can help consumers manage their existing debt, some lenders may view participation in a DMP as a sign of potential financial risk. This perception could affect the consumer's ability to secure new loans or credit in the future, as lenders may be cautious about extending credit to individuals who have previously struggled with debt.
5. Potential Scams: Not all credit counseling agencies operate with the best interests of the consumer in mind. Some may engage in deceptive practices, charge exorbitant fees, or offer misleading promises that they cannot deliver. It's crucial for consumers to thoroughly research and select a reputable, non-profit credit counseling agency accredited by organizations such as the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

It's essential for consumers to carefully weigh the pros and cons of credit counseling services and consider whether this option aligns with their financial goals and circumstances. Seeking guidance from a trusted financial advisor or conducting thorough research before choosing a credit counseling agency can help consumers make informed decisions about their financial future.

Overall, credit counseling services can offer a holistic approach to debt management, providing consumers with the tools and support they need to regain control of their finances and work toward a more stable and secure financial future.

Guidelines/Qualifiers: Debt Management Program

Requirements

1. NO CREDIT MINIMUM CREDIT SCORE REQUIREMENT
2. Cannot be more than 3 months behind on payments
3. Must owe over $7,500 in credit card debt
4. Closing cards: All cards enrolled must be closed.
5. Not licensed in NY,ID,KS or MD

Benefits:

• Will give the customer 1 monthly payment for 36-60 months. This payment goes to the

Debt Management Company and they send it to the creditors. Payments are made ON-

TIME and are usually 2.5% of total balance.

1. No early payoff penalties
2. Interest Rates between 0% and 9% (Depending on the creditor) AVG is about a 7.5% overall
3. Credit Effect: All client’s situations are so unique, there are many factors to consider to determine if this plan hinders your credit. If you have used at least 40% of your credit limit, you’re already hurting your credit. Typically as you continue making payments, your credit starts to improve.
4. Out of debt within 3-5 years

The Best DMP Leads Usually Are:

1. Cardholders who were recently declined for new credit (due to high utilization)
2. Cardholders on a fixed income
3. Cardholders maxed out on some or all accounts
4. Cardholders who usually can only make the minimum payments
5. Cardholders who have a hardship or recent change to their financial situation and/or income

Debts we cannot assist with:

1. Collection Accounts
2. No secured debts, such as home , cars or anything that has collateral tied to the loan
3. No loans, the only loans we can assist with are Best Egg, One Main, Avant and Navy Fed.
4. Cannot help clients looking for any type of loan/Lending

Mediator Debt SettlementSign Up Now

Website: https://mediatordebtsolutions.com/

Reasons we chose them as a Partner:

• Ultra Compliant: They are a nationwide law firm so they are already exempt from TSR but still adhere to the no advance fee model so they are double compliant
• Willing to train and share marketing and training materials to advance the affiliate program
• Members of OCCAM vetted and approved
• Will send graduated debt clients back to original CRO for credit repair
• Will send non affiliated graduated clients to compliant no advance fee CRO’s for credit repair
• Have long standing business with great reviews and reputation (over 10 years in the business)
• Have infrastructure and resources to handle volume
• Have tech and integration abilities needed to scale

Program Details

Debt Settlement Pros and Cons for Consumers:

Debt Settlement Pros:

1. Debt Reduction: One of the primary benefits of debt settlement is that it can significantly reduce the total amount of debt owed. Negotiating with creditors can lead to the forgiveness of a portion of the debt, allowing consumers to repay a reduced amount.
   
   
2. Faster Debt Resolution: Debt settlement can offer a faster route to debt resolution compared to other debt relief options like debt consolidation or repayment plans.
   
   
3. Potential for Lower Payments: By settling debts, consumers may secure more manageable monthly payments, easing the financial burden.
4. Avoid Bankruptcy: Debt settlement provides an alternative to bankruptcy, allowing individuals to avoid the severe and long-term impact on credit and financial standing.

Debt Settlement Cons:

1. Credit Score Impact: Debt settlement can negatively impact credit scores as it involves partial debt forgiveness, which is recorded on the credit report and may stay there for several years.
   
   
2. Tax Implications: The forgiven debt amount may be considered taxable income, potentially leading to a tax bill that the consumer must address.
   
   
3. Creditor Cooperation: There's no guarantee that all creditors will agree to settle debts, and some may choose to pursue legal actions or collection efforts.
   
   
4. Upfront Fees and Risks: Some debt settlement companies may charge upfront fees, leading to financial strain before any debts are settled. Additionally, consumers may risk falling prey to scams or unethical practices if they choose unreliable service providers.

Mediator Debt Settlement Service:

Mediator Debt Solutions exemplifies the pros of debt settlement while effectively minimizing the associated cons.

1. Debt Reduction: Mediator Debt Solutions specializes in negotiating with creditors to secure debt forgiveness for their clients. This results in a significant reduction in the total amount of debt owed, helping consumers repay a reduced amount.
   
   
2. Faster Debt Resolution: The company's debt settlement approach offers a faster route to debt resolution compared to other options like debt consolidation or repayment plans. Their skilled negotiators work efficiently to reach settlements and expedite the process.
   
   
3. Potential for Lower Payments: By successfully settling debts, Mediator Debt Solutions ensures that their clients secure more manageable monthly payments, relieving the financial burden and making it easier to handle the debt.
   
   
4. Avoid Bankruptcy: Mediator Debt Solutions provides a viable alternative to bankruptcy, sparing individuals from the severe and long-term consequences that bankruptcy can have on credit and financial standing.

To minimize the cons:

1. Credit Score Impact: While debt settlement can impact credit scores, Mediator Debt Solutions takes steps to repair and rebuild their clients' credit. They collaborate with reputable and compliant no advance fee credit repair companies to assist in repairing damaged credit during and after the debt settlement program.
   
   
2. Tax Implications: Mediator Debt Solutions ensures that clients are aware of the potential tax implications of forgiven debt. They likely offer guidance on how to address the tax bill resulting from the debt forgiveness to help clients make informed financial decisions.
   
   
3. Creditor Cooperation: While there's no guarantee that all creditors will agree to settle debts, Mediator Debt Solutions' experienced negotiators work diligently to achieve favorable agreements with creditors, maximizing the chances of successful settlements.
   
   
4. Upfront Fees and Risks: Mediator Debt Solutions distinguishes itself by not charging any advance fees. They operate on a performance-based payment model, meaning they only get paid when a debt is settled. By eliminating upfront fees, they alleviate the financial strain on clients and demonstrate their commitment to achieving results before payment.

Overall, Mediator Debt Solutions prioritizes the well-being of their clients by offering effective debt reduction solutions while minimizing potential drawbacks through transparent and ethical practices. By providing a comprehensive approach that includes credit repair assistance and a payment system based on successful outcomes, they aim to help individuals regain financial stability and peace of mind.

Minimum Requirements:

$7500 + in unsecured debt

(Not required) Ideally household income of $5000+

Live Transfers

Payout to AFS: 2.5% of total enrolled debt amount

Payout: 1.00% of the total debt enrolled will be paid after the first full and complete monthly deposit clears in the Client’s SPA, 0.50% % of the total debt enrolled shall be paid after the second full and complete monthly deposit clears in the Client’s (SPA), 0.50% of the total debt enrolled shall be paid after the third full and complete monthly deposit clears in the Client’s (SPA), and the final 0.50% of the total debt enrolled shall be paid after the fourth full and complete monthly deposit clears in the Client’s

Payout Schedule to AFS: All files that meet the terms for compensation the last day of the calendar month, a pay sheet shall be provided the 10th day of the following month and ACH payment will be provided within 15 days of the pay sheet.

Payout to Affiliate: 2% of total enrolled debt amount

Payout Schedule: 1%, .25%, 25%,.25%

Payout Dates: Each payment will be paid on the 20th of the month following the date of the full monthly payment made by the enrolled customer.

EX: Client enrolled with $20k total debt and paid 1st full monthly payment into SPA account on 5/22/23, 2nd full monthly payment on 6/22/23 3rd full monthly payment on 7/22/23, and fourth full monthly payment on 8/22/23. Affiliate would receive 1% of enrolled amount ($200) on 6/20/23, then 0.25% ($50) of the total enrolled amount on 7/20/23, then 0.25% ($50) of the total enrolled amount on 8/20/23, and final then the final payment of 0.25% ($50) of the total enrolled amount on 9/20/23 for a grand total of 2% of enrolled amount in this case $400

Closed Deals

Payout to AFS: 6%-6.5% of total enrolled debt

Payout: TBD

 

Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

Program Details

Pros of xxx:

Guidelines/Qualifiers:

Payout Terms:

Payout Schedule:

Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

Program Details

Pros of xxx:

Guidelines/Qualifiers:

Payout Terms:

Payout Schedule:

Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

Program Details

Pros of xxx:

Guidelines/Qualifiers:

Payout Terms:

Payout Schedule:

Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

Program Details

Pros of xxx:

Guidelines/Qualifiers:

Payout Terms:

Payout Schedule:

Program OverviewSign Up Now

Website: https://extra.app/

Reason we chose them as a partner: 

Program Details

Pros of xxx:

Guidelines/Qualifiers:

Payout Terms:

Payout Schedule: