Fix your credit your way, with AI and real experts.
Review your report, see exactly what's holding your score back, and choose how to move forward - CoolCredit's own app, or a reviewed professional. You stay in the driver's seat the whole way.
You choose who to contact
Nothing shared without your say
Your credit picture
All three bureaus · updated today
Collection - Midland
In review
Booster payment reported
Added
AI insightDispute 1 item - est. +18
New
Choose the credit help that's right for you
Credit repair isn't one-size-fits-all. Let us review your credit picture, and match you with vetted providers: you compare, choose, and connect on your own terms.
- 1
We analyze your fileAcross Equifax, Experian & TransUnion.
- 2
You compare & chooseRated, reviewed providers, side by side.
- 3
You reach out when you're readyYour profile is shared only when you decide.
Your data stays private until you decide to connect. See how this works →
Browse & choose your pro
Verified, rated, readyA live look at your matches: every provider licensed and vetted before they ever appear on your list.
4.64.4
Licensing confirmed before listing- Ratings pulled from real customer reviews
- New partners assessed as they're added
Everything you need to fix and build your credit
The same AI engine and expert support the CoolCredit app is known for, now with the freedom to bring in outside help if you ever want it.
Credit Analysis
Get a complete analysis across all three bureaus, identify what's hurting your score, and receive a personalized action plan based on what matters most.
Dispute Strategy
AI and credit experts work together to build effective dispute strategies, generate tailored letters, and track every step until resolution.
Resolved
Expert Assist
Connect with dedicated credit specialists for guidance, answers, and support throughout your credit improvement journey.
Positive Reporting
Add eligible Booster trade lines to your credit profile and strengthen the foundation of a healthier credit score.
Fix it yourself, or let an expert handle it
Two honest paths, same goal. Start your journey in the app today, or compare credit repair companies. Either way, the call is yours.
Your score712▲ +24Repair with CoolCredit
Our AI handles analysis, disputes, and positive reporting while you track progress. Expert Assist is there when you want a hand.
- Boost & Repair tools, right in the app
- Your data stays in your hands
- No high upfront fees
4.64.4Match with a reviewed company
Bring in a pro to run point. Compare vetted credit-repair companies by rating, focus, and intake terms. Then reach out to the one you choose.
- Ratings, reviews & clear specialties
- Sponsored listings clearly labeled
- You decide who to contact
One search. Every reasonable option.
Compare CoolCredit's in-house path with reviewed third-party companies. Sponsored placements are clearly labeled so you always know what you're looking at.
CoolCredit is free to use. When you choose to contact a company, we securely share the information you've provided to help them assist you. Some companies pay for sponsored placement, which is always clearly labeled. How this works →
Repairing your credit is just the first step
CoolCredit doesn't stop at repair. Once we understand your full credit picture, we guide you to the next right move, so you keep building, not just fixing. Each step is matched to where you actually are.
Fix & build credit
Analyze your report, dispute inaccuracies, and add positive reporting to lift your score.
YOU'RE HERE
Tax resolution
If we spot tax liens or back-tax debt weighing on your file, we'll connect you with vetted tax-relief help.
REVIEWED PARTNER
Debt consolidation
Managing several high balances at once? We'll point you to a path that simplifies them into one manageable plan.
REVIEWED PARTNER
Revolving credit line
Once your score qualifies, access a CoolCredit builder card or credit line to keep momentum going.
COOLCREDIT
We only suggest a next step when your profile actually calls for it - no upsells you don't need. Some paths are served by reviewed partners, who may pay a referral fee. It never changes your price.
Your whole credit journey, in your pocket
Credit analysis, dispute strategy, monthly progress, and positive reporting - with AI and experts handling what slows you down. A clear view of your progress, every step.
15 DAYS FREE
Start receiving leads, pay nothing for your first 15 days
Get verified, consented customer leads.
CoolCredit's app brings in 1,000+ new prospects every month: people actively working on credit, debt, tax, and identity theft issues. Get matched with the ones that fit your services. Each is a real, consented profile with report insights and stated concerns already attached.
Consented profiles only
Pay per lead, not per month
Live on the platform in four steps
A clean onboarding path from sign-up to your first matched lead. Most partners are approved and listed within days.
Register
Apply to join the partner network with your company details, licensing, and service focus.
Review
We vet your business identity, capacity, and compliance posture before you go live.
List
Go live in the consumer comparison search with your verified profile, ratings, and specialties.
Receive leads
Each lead is verified, with a credit-report summary and the customer's stated concerns already attached.
App-originated demand, ready to convert
Stop buying recycled cold lists. CoolCredit leads are people actively working on their credit inside the app, who've consented to be matched with a professional.
App-originated demand
1,000+ new prospects a month, exploring repair, monitoring, and Expert Assist right now.
Consented profiles
Every lead opted in to be matched. Contact details unlock only after consent.
Context included
Goals, concern categories, and a tri-bureau report summary travel with each lead.
Pay per lead
No monthly minimums to start. Spend on the leads you want, scale when you're ready.
Ratings & reviews
A strong profile earns more visibility and more user-choice picks over time.
One console
Opportunities, bids, sponsored placement, and performance, all in one dashboard.
Verified profiles, not cold lists
Each lead is a consented customer who opted in to be matched, complete with the context your team needs to engage and convert effectively.
GoalMortgage-ready in 90 days
Concern categories2 collections, 1 late
Report summaryTri-bureau attached
Contact details(555) 018-2240 Customer consented to be matched & contactedReady for conversion, cleared for compliance
- Consent on record. Contact details unlock only after the customer agrees to be matched and contacted.
- Pre-qualified context. Goals and concern categories mean fewer dead-end calls and faster conversions.
- Full disclosure to the customer. Customers are informed in advance that their profile is shared, so they know to expect your call.
Choose how you want to receive volume
Both models run on the same consented, verified profiles. Start with a reviewed listing, then add sponsored placement when you want more visibility.
Listed in search
Earn a rated, reviewed listing in the comparison search, where customers actively compare agencies and choose who to contact. No cold outreach: these customers pick you because your profile fits what they need.
Sponsored placement
Skip the wait. A clearly-labeled top placement puts your company in front of every relevant search the moment a customer looks, so you win the leads that would otherwise go to a competitor.
Run your whole pipeline in one place
Track new opportunities, manage bids and sponsored placement, and monitor your profile quality and response time, all from a single dashboard.
Welcome back, North Star
How billing works
What you spend · with CoolCredit
What you earn · from customers
You spent $1,190 on 34 leads this month and booked about $15,954 in program revenue from 19 enrollments - a net of +$14,764 after lead cost (13.4× return). At a 56% enroll rate, every lead you accept is worth about $469 on average.
A network customers can trust
A trusted network converts better. That's why every partner is held to clear standards, verified before they ever go live, so customers engage with confidence and your leads convert.
01 Business identity review
Verified company details and licensing before listing.
02 Capacity setup
Set your monthly volume so leads match what you can serve.
03 Disclosure expectations
Honest pricing and intake terms shown to individuals.
04 Response-time monitoring
Faster follow-up keeps your rating and ranking high.
05 Profile quality checks
Ratings and reviews keep the directory credible.
06 Feedback & escalation
Clear handling for disputes and customer concerns.
Stop chasing cold lists. Start receiving warm, consented leads.
Free trial
No commitment
Cancel anytime
No card required
Get reviewed, listed, and matched with consented leads, usually within days. Reach out and a specialist will walk you through onboarding.
15 days free, cancel anytime Reviewed & listed within days Consented, matched leads Priority onboarding supportQuestions first? Email support@coolcredit.com or call (844) 424-6529.
