Buy Credit Repair Leads

J

James white

Member
I’ve been repairing friends and family’s credit for a little while now but I’ve just now decided to take it on as a full time job. Most of my clients come from my mom as she repaired personal credit for a very long time but has now moved on to business credit, old clients still call her so she refers them to me. putting myself and my business out there irl can be a bit difficult at times

I’m 18 and don’t really talk to many people nowadays (lol I went to a little pre game networking event for the wealthcon event they’re having this week and I literally just sat on a couch in the corner most of the time still working on my social skills😅 )

I have money saved to invest into my business and into leads so I’m just trying to see what’s my best option here any recommendations? Feel free to drop your business name if you specialize in lead generation or if you have any referrals maybe we can work something out!
 
Hey props to you for jumping in at 18. That’s already a win. Leads can get expensive, especially if you go the paid ads route. I'd suggest starting with Facebook groups especially local ones or ones focused on credit issues. Post helpful info not salesy stuff. Over time people will DM you. Also Thumbtack is worth a try. It’s hit or miss but some swear by it. DM if you want a few lead gen scripts I’ve used.
 
Yo same boat, bro. Started with family referrals too. I burned like $500 buying leads from one sketchy IG page and got maybe one good convo. My advice is to vet anyone you're buying from, ask for screenshots, proof of recent leads, and make sure they’re exclusive. Also, maybe get on TikTok. Sounds crazy, but credit advice vids blow up. You got a good story = content gold.
 
Have you thought about collaborating with small car dealerships? They always have folks getting denied for financing due to bad credit. I partnered with one and we both send clients each other’s way. Same goes for tax prep offices and realtors. Those are underrated lead sources. A little hustle IRL can go a long way.
 
The fact that you’re even at a networking event at 18 is wild in the best way. You’re ahead of the game. Don’t worry about sitting in the cornernjust showing up puts you in the 1%. For leads, check out Credit Repair Cloud’s FB community. Lots of folks in there do lead swaps and referrals. Or even build a simple funnel and run IG story ads if you’re comfortable.
 
I’d be wary of anyone trying to sell you hot exclusive leads unless they’re repped and reviewed. Been there, done that, lost $300 to PayPal disputes. Instead, consider writing a free credit e-book or checklist, gate it with an email form, then run low-cost Facebook ads. You build your own lead list over time. Slower but waaay more reliable.
 
Bro i feel you on the social part. I used to freeze up at every event and just scroll my phone lol. What helped me was bringing a wingman or business partner to get convos going. Also, Canva + ChatGPT = great combo to make simple IG carousels with value tips. That’ll start DMs rolling in. Organic leads > random cold leads any day.
 
I run a small ad agency that does lead generation for financial services, mostly mortgage brokers but also some credit repair. If you have $500–$1,000 saved, we could set up a basic funnel and test FB/IG ads for your city. Even better if you’re willing to get on camera with tips. That builds massive trust. Lmk if you wanna hop on a call.
 
If you’re shy IRL, focus online. You don’t need to be loud just be consistent. Create 3 TikToks a week sharing quick tips (like why utilization matters or how disputes work). Use text overlays if you don’t wanna talk on camera. The algo will reward you. Leads come from trust, and trust comes from showing up.
 
Look into partnering with first-time homebuyer programs. Credit repair is a huge step before pre-approval. If you can find a local real estate agent, offer to run free credit reviews for their clients. It's a great source of warm, qualified leads who actually NEED you.
 
I started at 20 and was scared to talk to people too. Still kinda am...what helped was joining my local Chamber of Commerce even though it was awkward at first. You might feel out of place, but people admire young hustlers. I’ve landed 3 long-term clients from it so far. Worth checking out if you’re serious.
 
Red flag if anyone tries to charge you per lead without showing where they came from. Ask how they’re sourced are they from opt-in funnels? Cold scraped emails? You need to know that. Also test every source with a small batch before going all in. 10 trash leads in a row hurts less than 100.
 
Honestly why not focus on building your brand first? Instead of dropping cash on cold leads, drop time into SEO, GMB, or even answering credit repair questions on Quora. Build credibility, then traffic. Warm leads will come to you. Cold lead buying feels like gambling some days.
 
When I was 19 i got my first client from Craigslist. Sounds janky but i posted a simple service ad, included a link to my booking form and boom $150/month retainer. Craigslist > FB Marketplace in some cities. Worth experimenting.
 
Not a plug but my son is 17 and starting in this too. I tell him the same thing I’ll tell you: people buy from people. Be authentic, share your journey, your wins, even your failures. No one wants perfection they want someone relatable. So don’t worry about being awkward........own it
 
You’re doing better than 90% of folks who say they’ll start a business. For leads, I’d say test both organic and paid. $100 into FB ads, $100 into IG promos, and keep $300 for emergencies. Document your journey on TikTok. You’ll gain trust fast.
 
Honestly, try Upwork. Post a gig for a lead scraper or ad specialist. You’ll get people offering to help with funnels or FB ads for $50-$100. Beats trying to learn everything yourself overnight. Just be clear on your budget and what you want: leads, calls, or booked appointments?
 
Cold calling isn’t dead. I bought a list of renters with bad credit in my city and just…called. It sucked at first, not gonna lie. But now i close 1 in 20. Use scripts, record your calls, and get better. It’s a grind, but cheap AF compared to ads.
 
Lead gen is cool but also think about retention. Can you turn one-time clients into subscribers? Offer free credit monitoring, monthly score updates, or weekly coaching. The more you serve, the more referrals you get. That’s real growth.
 
Bro u just need one or two strategic partnerships. Hit up a local tax prep company or car lot and offer them 20% of every client they send. Setup a referral contract and you’re golden. Win-win.
 
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