Opt-in credit repair leads from web campaigns, real-time or aged, state-select or nationwide, for credit repair organizations and credit counseling firms.
Credit repair leads are consumers who said they have poor credit and want help improving it, sold to credit repair organizations and credit counseling firms. They are generated by web campaigns, and what separates them from debt leads is the problem: the consumer is thinking about a credit report and a score, not about a balance they cannot pay. That changes who calls them, what the agent says and what the law lets you charge.
Our files come in two timings. Real-time leads reach you as the consumer submits the form, so you can call within minutes while the request is fresh. Aged opt-in leads are older requests, typically 30 to 90 days, sold at a lower price to teams that can work volume. Either can be built state-select or nationwide, so a firm licensed in a handful of states pays only for those states.
Keep the offer clear in your own mind before you buy, because the lead type has to match what you actually sell. A consumer with errors on a report and manageable debt is a credit repair prospect. A consumer buried under card balances may need a different conversation, and our debt management leads serve counseling agencies that start there. Consumers who are already weighing a court filing belong with the firms on our bankruptcy leads page. The full set of debt-related offers is mapped on our debt relief leads overview.
We have supplied wholesale leads since 2005, with 300+ custom data filters and delivery to 500+ call centers. Phone records are DNC-screened with consent documentation, and you can send a suppression list to run before we deliver.
Leads come from consumers who submitted a request on a web campaign, so your first call answers something they asked for.
Take leads as they are captured for speed, or choose aged files, typically 30 to 90 days old, when price and volume matter more than minutes.
State rules for credit repair vary, so limit delivery to the states where you have confirmed with counsel that you may operate, and we build the file for those states only.
The record is built for fast loading: contact fields and capture details, with address appended on request when your campaign includes direct mail.
Because the campaign runs continuously, you can set a daily volume that your agents can actually call instead of absorbing a bulk drop.
Phone records are DNC-screened with consent documentation, files carry an accuracy guarantee with replacement for verified bad records, and your suppression list runs first.
Start with the law, because it shapes your economics. The Credit Repair Organizations Act says a credit repair organization may not charge or receive money for a service before it is fully performed, so you collect after the work, not at the sale. The Telemarketing Sales Rule adds a related restriction for telephone sales of credit repair: no fee for promised credit-record improvements until the time frame has passed and the seller provides a consumer report showing the results, issued more than six months after the results were achieved. Plan for slow revenue per enrolled client before you commit to a big lead order.
Paperwork comes before service. The Act requires a written, dated contract that states payment terms, a detailed description of the services and any guarantees, and your name and address. It also gives the consumer the right to cancel without penalty before midnight of the third business day after signing, and the contract must say so. A disclosure statement about the consumer's credit file rights, including that a credit bureau may not charge to reinvestigate a disputed item, must be given before the contract. Build these into the intake flow so no agent skips them.
Script discipline protects you. The Act prohibits untrue or misleading representations about credit repair services, so agents should never promise a score increase, a specific point gain, or removal of accurate information. Describe the work (reviewing reports, disputing items that may be inaccurate) and let the consumer decide. Have counsel review scripts and your state registration and licensing position.
Operationally, call real-time leads fast and work aged files in batches, with a callback schedule your team can keep. Test one source at a time, keep dispositions by file, and report records that were out of state or unreachable so we can replace verified bad records. Consumers who finish a credit program may become candidates for new credit, and our unsecured loan leads serve lenders at that stage, which matters if you partner with one.
| Format | Cost | Conversion | Best For |
|---|---|---|---|
| Live Transfer | $$$$ | Highest | Firms with staffed intake and state registration in place |
| Real-Time Exclusive | $$$ | High | Teams that can call within minutes of sign-up |
| Targeted Data List | $$ | Volume play | Email, mail and outbound phone programs |
| Aged 30-90 Day | $ | Moderate | Follow-up queues and high-volume calling floors |
Sources: 15 U.S.C. 1679b, prohibited practices; 15 U.S.C. 1679c, disclosures; 15 U.S.C. 1679d, contract requirements; 15 U.S.C. 1679e, right to cancel; 16 CFR 310.4, Telemarketing Sales Rule. This is operator guidance, not legal advice.
Credit repair records are intentionally lean: date captured, first and last name, phone, email, state and ZIP, plus the capture details for the web request. That is enough to dial, email and check state eligibility before an agent spends time on the file.
Street address is not included by default; it can be appended on request if you run direct mail or need address verification, and the capture timestamp always travels with the record. Credit tier on these files is self-reported by the consumer, so treat it as a conversation starter and confirm it with a consumer report pulled only with the consumer's written permission, never as a verified score.
Phone records arrive DNC-screened with consent documentation, and aged files show the date of the original request so you know how old each one is. Send a suppression list before delivery to keep current clients out. Ask for the exact field list when you request a count.
The three tabs below show the filters a Credit Repair Leads order can be built on, a sample qualification script your agents can adapt, and one sample record. Contact details in the sample are placeholders that show the layout, not a real person.
Hi, may I speak with (First Name)? This is _______ with (Company Name).
Mr./Ms. ______, you recently asked for information about getting help with your credit report. I'm calling to follow up on that request. This call may be recorded.
Did you request information about credit repair help, and do you have a few minutes to talk? (Must be "YES")
I understand. I can't promise any particular result, and a credit bureau may not charge you to reinvestigate an item you dispute. We offer to review your reports and handle disputes for you under a written contract, and you can cancel within three business days. Would a quick explanation be useful?
Thank you. I'll send you our written contract and disclosure statement to review before you decide anything.
Contact us today to get a free count and quote. Quick delivery, competitive pricing, and unmatched quality.
Contact Us →You can buy them from a wholesale lead supplier that runs opt-in web campaigns. LeadsDataServices sells credit repair leads real-time or aged, state-select or nationwide, with DNC-screened phone records and consent documentation. Tell us your states and daily volume through the contact page and we will return a free count and quote.
Real-time credit repair leads are delivered as the consumer submits a web request, so you can call within minutes. They cost more than aged files because speed is the value. Timing matters most when you compete with other firms for the same consumer, so keep a fast callback process.
Aged opt-in leads are consumers who requested credit help on a web campaign some time ago, typically 30 to 90 days. They have opted in, but some have moved on, so they cost less. They suit follow-up queues and high-volume calling floors, and work best when your agents can call in batches.
Generally no. The Credit Repair Organizations Act says a credit repair organization may not charge or receive payment before the service is fully performed, and it requires a written contract and a three business day cancellation right. The Telemarketing Sales Rule adds fee limits for telephone sales. Have counsel review your fee practices.
Agents should describe the work, such as reviewing reports and disputing items that may be inaccurate, and never promise a score increase or the removal of accurate information. The Act prohibits untrue or misleading representations about credit repair services. Script the call, record it where permitted, and have counsel review it.
There is no public price list. Price depends on the format (real-time, aged, list or live transfer), whether you want state-select or nationwide delivery, exclusivity and your monthly volume. Real-time costs more than aged. Request a free count and quote and we will price your exact filters, with no obligation.