Refer credit-challenged clients to a CROA-compliant credit-repair partner.
Mortgage brokers, real-estate agents, and housing counselors can pass clients who aren't mortgage-ready yet along to a defensible credit-repair resource — without becoming a reseller, without taking on the dispute work, without bending the compliance posture you already hold to.
Want the full white-label partner program instead? See the partner program.
Who refers clients here
Three practices with steady credit-challenged referrals.
The referral program is built for the practices that already see credit reports on the desk — and would rather pass the dispute work along than write it themselves.
Mortgage brokers
Lenders denied on credit — not on capacity.
Clients who can carry the loan but can't clear underwriting on the report. Credloom runs the FCRA-grounded dispute work, the client returns to your pipeline mortgage-ready. No markup, no reseller agreement, no partnered paperwork.
Real-estate agents
Buyers who lose houses to credit — not to price.
Earnest money lost because the buyer's score moves at the last minute. Refer them before the next listing — Credloom turns an audit-ready case file around while the buyer is still house-hunting.
Housing counselors
Pre-purchase clients still thin or repairable on file.
HUD-approved counselors and nonprofit housing programs with steady referrals of credit-challenged families. We handle the dispute work; you stay focused on the housing-counseling engagement. Free resource, no fee to you, no fee to the client upfront.
What your client gets
CROA-conformed credit repair, end to end.
The same CROA / FCRA baseline your partnership already trusts. Clients leave with an audit-ready case file and a right to cancel in plain language.
$0 upfront for the client
CROA prohibits charging before services are performed. Clients are billed only after each month of service is delivered — the same rule your partner agreement can cite.
Written right to cancel
Every client gets the same three-business-day right to cancel, itemized disclosure of services, and signed agreement your team would expect under FTC and CFPB posture.
FCRA-driven dispute engine
Auto-drafted dispute letters grounded in FCRA §1681i — inaccurate balances, duplicate tradelines, unverifiable accounts, mixed-file errors. The 30-day clock is enforced on every open item.
Audit-ready case file
Every dispute letter, bureau response, and timestamp preserved side-by-side. The client can hand the file to a lender or to you at any point in the engagement.
What you get
A trusted resource, without taking on the work.
The partner side stays simple: a defensible resource you can offer, with the same compliance posture as a direct consumer would see.
A trusted referral resource
A free, defensible resource you can hand clients who aren't mortgage-ready yet — without you having to write the dispute letters yourself, staff the credit side, or carry the compliance risk.
No formal reseller agreement
A simple referral — no revenue share, no partnered intake, no markup you collect. You stay focused on your practice. We bill the client directly under the same CROA baseline as anyone else.
No scoring outcomes promised
We don't advertise a target score or before/after examples anywhere — including any framing that ties credit-repair to a specific lender's underwriting rule. Your reputation stays out of the result.
Transparent pricing to pass along
One plan, billed monthly, in arrears. Same CROA disclosures the client sees if they sign up on their own — so the price you tell a client is the price they actually pay.
How a referral works
Three steps. The client returns mortgage-ready.
You stay on your side of the work. We stay on ours. The client signs once, the case file runs once, and the audit trail is theirs from day one.
- 01
You refer a client
Send us the client's name and email through the inquiry form, or share the /free-review link directly. We confirm intake within one business day — you don't need to be on the call.
- 02
Client requests the free credit report review
We pull the Equifax, Experian, and TransUnion reports (or work from the ones they already have), open a case file, and reply with a plain-English summary of items we'd challenge. Free, no card.
- 03
Credloom runs the FCRA-scope work
Client signs the CROA-conformed agreement; we begin work. The audit-ready case file is theirs from day one. They'll be back in your pipeline when underwriting clears.
CROA-safe framing
What we don't promise — and why that protects your brand too.
CROA restricts what a credit-repair program can guarantee, and it's enforced on the referral side the same way it's enforced on the direct-consumer side. The plain-language commitment below is the same one we make to every partner.
The referral program conforms to the same CROA / FCRA baseline that holds up under FTC and CFPB examination — across intake, agreements, refund handling, and case-file retention. Your team can pass the resource along without exposing its own compliance posture to the dispute work.
- No promised score outcomes — CROA forbids it. We do not advertise a target number anywhere on this site, in partner materials, or in client conversations.
- No marketing of average results, before/after scorecards, or testimonials tying score movement to service. Our copy is descriptive, not promissory.
- No earnings / income / approval guarantees — partner and consumer materials do not quote uplift, financial-product approvals, or score thresholds as an outcome.
- Every client agreement carries the same written disclosures, itemized scope, three-day right-to-cancel, and monthly-in-arrears billing that hold up to FTC and CFPB examination.
- Refund handling on cancellation within three business days, with a timestamped audit record — uniform across the referral and direct-consumer surfaces.
Read the full CROA disclosures for the legal text your partner agreement will reference. Same document, same obligations, on both the referral and direct-consumer surfaces.
Referral-partner inquiry
Send a referral-partner inquiry.
We'll reply within one business day about your referral volume and how we'd handle the handoff. No card required. No reseller agreement required.
Tell us about your practice.
Name, brokerage / agency / counseling practice, the email you want referrals routed to, and a sense of typical monthly volume. An optional note helps us match you to the right partnerships contact.
Referral-partner FAQ
Referral questions we hear first.
If the question you have isn't covered here, send it through the inquiry form above — we add new entries as patterns emerge.
Refer a mortgage-ready client
Send a one-line note. We'll reply within one business day.
A short inquiry keeps us from guessing where your referrals come from — and keeps the handoff mechanic simple on your side. CROA disclosures and pricing are open to read in full in the meantime.