All We Need Is the Client’s Name, Email, Phone Number and a form of identity verification. That’s It.

We never request bank statements, financials, or discuss anything related to funding. Our role is strictly credit improvement - you maintain full control of the funding relationship from start to finish.

For every client, we’ll coordinate with you on the best approach to present the service.
If you’d prefer to pitch the merchant yourself, great. If you want us to handle the conversation, just let us know - we’ll tailor the approach to fit your style.

OUR PROCESS

Refer A Client

Let Us Get To Work

Once we have the client’s information, we take care of the rest: onboarding, credit monitoring setup, identity verification, and agreement signing.

From there, our team gets to work reviewing their full 3-bureau report and formulating a personalized strategy to dispute and remove inaccurate, outdated, or unverifiable negative items.

Get Paid

72 hours after the client enters into our agreement, you earn a commission of 12 points guaranteed. When paid via preferred methods(Venmo/Zelle) we pay 20 points!

Pricing

Phase One:

Total Cost: $0

Timeframe: Less than 24 Hours

We are legally required under the Credit Repair Organizations Act (CROA) to not charge any fees upfront. In compliance with federal law, we begin with a free, no-obligation credit review to assess your client’s credit profile and determine how we can help.

During this complimentary review, we will provide:

  • A detailed analysis of the client’s full 3-bureau credit report which you will receive a copy of as well.

  • Identification of inaccurate, outdated, or potentially damaging items

  • Evaluation of credit utilization, account mix, and structure

  • A personalized consultation outlining credit strengths, challenges, and actionable steps for improvement

This initial step ensures transparency and helps your client make an informed decision before any paid services begin.

Once your client completes their free credit review, we immediately get to work - keeping you in the loop every step of the way.

  • Strategic Disputes to Experian, Equifax, and TransUnion
    We send tailored challenges to all three bureaus to remove inaccurate, outdated, or unverifiable negative items that may be hurting their score.

  • Direct Creditor Letters
    When needed, we contact creditors directly to investigate and validate questionable accounts or remarks.

  • Inquiry Disputes
    We implement a focused strategy to address unauthorized or unnecessary hard inquiries that could be dragging their score down.

  • Live Progress Updates
    You and your client get real-time updates through secure account syncing, so you’ll know exactly how things are progressing.

  • Full Credit Score Breakdown
    We break down what’s helping and hurting their score, giving you clarity on next steps for future funding. If we notice they are receiving inquiries and shopping, we will immediately let you know.

  • Ongoing Expert Support
    Our team stays in touch with your client throughout the process, so you don’t have to. We handle the credit work, and you keep control of the relationship.

Phase Two:

Base price- $500 to $2,500*

We allow our service to be sold up to $10,000. Services depend on the work the client wishes to be performed. Average ticket price is $2,500.

Recommended Pitch

Use this simple response to refer them to MCA Credit Repair in a compliant way:

Unfortunately, it looks like we weren’t able to get you a long-term funding option, and from what we’re seeing, credit may be a contributing factor. If you’re interested, I can connect you with a separate company that I work with that provides Credit Consulting that helps business owners like yourself understand and improve their credit profile. They offer a personalized credit review and will work with you to target questionable negative items that may be affecting your credit score. Their team sends the appropriate correspondence to dispute and challenge inaccurate, outdated, or unverifiable negative items on your behalf, and they offer credit counseling solutions to help you reach your credit goals. This is entirely optional, would you like me to make the introduction?”