Credit repair leads are a side line for multi-vertical sellers, sold to repair firms and to lenders.
All 11 credit repair companies in our directory also sell other verticals, from debt and mortgage to insurance. Only one describes credit repair screening, and it sells to lenders that want future borrowers with low scores; repair firms want the same consumer for the service itself.
Credit repair is the smallest market in our debt relief directory, and nobody here sells it alone. Of the 11 companies, 8 deliver in real time, 7 offer exclusive leads, 6 sell inbound calls and 7 sell live transfers. 9 generate their own traffic and 7 also buy leads or calls from affiliates, publishers or call centers.
Two kinds of buyer want this consumer. A repair firm sells against the consumer's credit problem, such as collections, report errors or a low score. The one seller that publishes credit repair screening frames its leads as aspiring homebuyers with low scores, recent loan denials and renters preparing to buy, sold to lenders by credit score and licensed state.
Juiced distributes the web leads. Each buyer funds a wallet, sets filters and caps by state and by your credit fields, and bids above your minimum so the highest bid wins the lead in seconds. Leads no buyer takes go to your own marketplace, where the price falls until someone buys. Calls and live transfers need separate call tracking.
What credit repair lead companies sell
What the 11 companies in our credit repair directory say they offer, read from their own websites.
| Product | Companies offering it |
|---|---|
| Exclusive leads | 7 of 11 |
| Real-time leads | 8 of 11 |
| Shared leads | 4 of 11 |
| Aged leads | 2 of 11 |
| Inbound calls | 6 of 11 |
| Live transfers | 7 of 11 |
| Booked appointments | 3 of 11 |
| Data or lists | 2 of 11 |
| Clicks | 2 of 11 |
Counts cover everything each company says it sells, which can include other verticals.
Exclusive leads are offered by 7 of the 11 companies, against 4 that sell shared leads and 2 that sell aged leads. Calls weigh heavily: 6 of the 11 sell inbound calls and 7 sell live transfers, so most buyers here will compare your web lead with a screened call.
What credit repair leads are screened for
Credit repair sellers publish little about screening, and what they publish is about the consumer's credit problem and their intent.
- Score range and reason. One seller records a self-reported credit score range and the reason the consumer wants help, and sells against credit score, debt type and loan amount.
- A loan in view. The same seller looks for consumers with a goal behind the repair: aspiring homebuyers, renters preparing to buy and people recently denied a loan.
- Confirmed intent. A few sellers confirm intent before delivery, with live screeners on the phone, a long list of qualifying questions, or call center questions on posted leads and transfers.
- Working contact details. A few sellers verify the contact information or offer a phone verified option, and one names the phone and email validation tools it runs on each lead.
What a credit repair lead has to carry
7 of the 11 companies let buyers target by state, region or service area. Two add credit or debt criteria such as debt balance tiers, credit score, loan amount or the buyer's licensed states.
Every lead type in Juiced starts with ten default fields. Add your own on top, and decide for each one whether it is required and whether the buyer receives it.
The credit repair fields
Field names and answer options checked against 11 public lead forms, form templates and posting specs in this market, October 2026.
| Field | Type | Why |
|---|---|---|
| credit_score_range | List of Values | Asked by most of the forms and offer terms we reviewed, usually as score bands. Under 500, 500 to 579, 580 to 639, 640 to 699, 700 and over |
| credit_goal | List of Values | Asked by most of the forms and offer terms we reviewed. Buy a home, Auto loan, Credit cards, Business funding, Apartment, Get a loan, Lower interest rates, Job opportunities, Just improving my credit |
| negative_items | List of Values | Asked by several of the forms we reviewed, usually as a pick all that apply list. Collections, Late payments, Charge offs, Hard inquiries, Repossession, Bankruptcy, Not sure |
| tcpa_consent | Boolean | Records that the consumer checked the consent box; the wording itself is kept with the lead. |
| timeline | List of Values | Seen in a few of the forms we reviewed. As soon as possible, Within 30 days, Within 3 months, Within 6 months, Just researching |
| ready_to_invest | List of Values | Seen in a few of the forms we reviewed. Yes, Maybe, Just looking |
| best_time_to_contact | List of Values | Seen in a few of the forms we reviewed. Morning, Afternoon, Evening, Anytime |
| contact_verified | Boolean | Seen in one buyer's offer terms, which count a lead only after the consumer confirms by email. |
| consent_certificate_url | URLs | Seen in one posting spec we reviewed. |
| source_sub_id | Identifiers | Seen on one affiliate landing page we reviewed. |
Every lead starts with these
| Field | Type |
|---|---|
| first_name | Text |
| last_name | Text |
| phone | Numeric |
| address_1 | Text |
| address_2 | Text |
| city | Text |
| state | Text |
| zip | Postal Codes |
| county | Counties |
Provenance
| Field | Type | Why |
|---|---|---|
| source_url | URLs | The page the lead was captured on |
| consent_timestamp | Date & Time | When the consumer submitted the form |
| ip_address | IP Address | The address the form was submitted from |
This page does not state what the rules on consent require. They are published by the FCC and the FTC, and TCPAWorld tracks how they change. The full list of field types is on the lead fields page.
What you need to decide on a lead is not what you need to sell it
Every field carries four switches rather than one required flag.
Ping with state, zip, credit_score_range, credit_goal, negative_items and timeline. Those describe the credit profile and what the consumer wants fixed, and none of them reveal who the consumer is before the bid.
Two buyers for one consumer
A credit repair firm buys a consumer who wants help now and will pay for the service. A lender or mortgage broker buys the same consumer as a future borrower, someone whose score is the obstacle to a loan. The data shows the lender side most clearly: one seller builds programs around each lender's products, credit appetite and licensed states, selling a lead exclusive to one lender or shared with a few.
That split decides your fields and your price. A repair firm cares about the negative items and how ready the consumer is to start. A lender cares about the score range, the goal and the timeline to a purchase. Capture both and let each buyer filter on what it needs.
Pricing models include more performance pricing than most markets: 5 companies price per lead, 3 per sale or acquisition, 3 per call and 5 quote custom pricing. A few sell on a completed action, so a buyer used to paying per sale may need to be walked through a funded pay-per-lead account.
Calls and transfers sit beside the web lead
6 of the 11 companies sell inbound calls, 7 sell live transfers and 3 book appointments. Call sellers here build in a qualification step: three make a transfer billable only after a set buffer or a sign of consumer intent, and one decides credits by reviewing the call recording. One routes each call to one business at a time, and another sends its transfers through a separate validation unit before the buyer takes them.
The traffic behind those calls varies widely. Named sources include search, social, email, direct mail, co-registration, press-1 and outbound IVR campaigns and text click-to-call. One seller sells co-registration leads to call centers running predictive dialers, while another stresses that its live calls come from direct mail rather than press-1 campaigns. Ask any supplier which it is.
Juiced distributes the web leads. Calls and transfers need separate call tracking.
What buyers commit to, and what they get back
Few companies here say how buyers pay: 2 describe a prepaid or funded account and one a card on file. Commitments split. Some ask for a minimum upfront purchase of call credits, a minimum spend to start or a minimum weekly order on some products, while one offers a trial on a fraction of the budget and another says there are no retainers or commitments. 4 say there is no long-term contract and one uses a contract.
Return terms vary. Two companies that sell calls publish the most detail: wrong numbers, solicitors and repeat callers are not billed, and one lists non-billable call types such as spam, robocalls, out-of-category calls and duplicates, with credits decided after reviewing the recording. For web leads, little is published. One says fees are non-refundable, two claim leads are guaranteed or offer money back without stating any terms, and one mentions a replacement policy with no details. One seller's homepage says every lead is exclusive while its pricing page sells exclusivity as an add-on, so read the terms behind any claim.
- Pick one commitment model and state it on the first call: a funded balance, not a volume promise.
- Write down what earns a replacement or credit, and what evidence the buyer must send.
- In Juiced, approved returns are credited back to the buyer's wallet.
Consent, do-not-call and the supply side
One company names consent certificate services. Another's publisher terms ask suppliers to obtain written consent and keep records of it. Another puts compliance on the buyer, and a call marketplace puts consent on its partners. The rules are published by the FCC and FTC.
7 of the 11 companies buy leads or calls from others: affiliates, publishers, mailing companies, other lead sellers, and call centers in the US and overseas. Their supplier terms ask for an application and traffic sources, and ban incentivized calls, robocalls and artificially generated calls. One pays per qualified call with the qualification defined in advance, and another lets affiliates choose a payment threshold.
How Juiced runs a credit repair lead business
Buyers fund a wallet
Each buyer adds funds before leads arrive and is charged as each lead is delivered. Approved returns are credited back to the wallet. No invoices to send and no payments to chase.
Buyers set filters and caps, then bid
Each buyer filters on your fields and caps how many leads they take. They bid above your minimum, and the highest bid wins the lead in seconds.
Delivery goes where the buyer works
By webhook into the buyer’s CRM, by email or by text.
Unsold leads go to your marketplace
A lead no buyer takes is not dropped. It goes to your own marketplace, where its price falls until someone buys it outright or a standing buy order picks it up.
Related
- Credit repair lead buyers and sellers: every company in this market, checked against its own website
- How to sell credit repair leads: who buys, what to screen for and the order to build in
- Debt relief lead distribution: the wider vertical
Frequently asked
Who buys credit repair leads?
Two groups. Credit repair firms buy consumers who want help with collections, errors or their score. Lenders and mortgage brokers buy consumers whose score stands between them and a loan, filtered by score range, loan amount and licensed states. Every company in our directory for this market also sells other verticals.
Should credit repair leads be exclusive?
Mostly. 7 of the 11 companies offer exclusive leads and 4 offer shared. One seller sells a lead exclusive to one lender or shared with a few. In Juiced several buyers can bid for each lead, so exclusive does not have to mean one flat price.
What do credit repair buyers commit to?
It varies. Some sellers require minimum upfront call credits, a minimum spend or a minimum weekly order, one offers a trial on part of the budget, and one says there are no commitments. In Juiced the buyer funds a wallet and sets caps instead.
Can I sell credit repair calls and transfers through Juiced?
Juiced distributes web leads. 6 of the 11 companies here sell inbound calls and 7 sell live transfers, and those need separate call tracking.
What consent records do credit repair buyers expect?
Where does credit repair traffic come from?
Sellers here name search, social, email, direct mail, co-registration, press-1 and outbound IVR, and text click-to-call. Ask suppliers which they use and keep a source sub ID on every lead, because buyers price these sources very differently.
What do credit repair leads sell for?
No prices are published here. Sellers rarely publish them, and what a credit repair lead sells for depends on whether it is exclusive or shared, a web lead or a call, the geography, how fresh it is and how many buyers want it. The pay-per-lead pricing guide shows how to work out your own floor from cost and let buyers bid above it.
Does Juiced handle credit repair calls or live transfers?
No. Juiced distributes web leads and delivers them by webhook, email or text. It does not track or route phone calls, so if calls are part of your product you need call tracking software for that side.
Sell more of the credit repair leads you already generate.
Funded buyers, bids above your minimum, and a marketplace for the leads nobody took the first time.
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