Get verified,
consented
customer leads.
Every lead is a real customer who has consented to be contacted, with all three bureau files already read by CoolCredit's AI, reporting errors flagged and documents gathered. You start with the findings, not a cold phone number.
None of this is collected by you. The customer did it in the app before you ever hear their name.
We don't guess. We audit.
The same audit that powers the customer experience becomes your
starting point. Every customer arrives with the work already underway.
Re-audited after every bureau response, so the file you work from stays current.
Reads all three bureau files
Every tradeline, inquiry and public record across all three bureaus, compared side by side.
Flags reporting errors
Each finding is tied to the governing law, including FCRA § 611, FCRA § 623(b) and CFPB complaint data where relevant.
Re-audits continuously
Files are re-checked as they change, so the picture you work from stays current.
Most lead sources hand you a name. We hand you a case.
When a customer hires you, everything you need to begin arrives together. No chasing, no re-pulling, no guesswork.
Deep audit report
The same report the customer has already seen, ready to build disputes on.
- All three bureau files, read line by line
- Every disputed item with the law cited: FCRA § 611, FCRA § 623(b), CFPB
- How each item can be challenged
Customer documents
Everything in their document vault, already read by the AI to strengthen disputes.
- Driver's license
- Proof of address
- Contracts and anything else they uploaded
Consent and contact details
A customer who has consented, been qualified and chosen you.
- Consent on record; they expect to hear from you
- Name, contact details and the goal they stated
- Your conversation history, on the record
Get listed. Get chosen.
Four steps from your application to a customer handing you their file.
01
Apply and get verified
Tell us about your firm, your licensing and the services you offer. We review business identity, licensing and capacity, and a person makes the final call, usually within about a week.
Free to apply
02
Go live in the comparison search
Your verified profile shows your specialties, ratings and reviews to customers looking for help.
No monthly fee
03
Customers contact you
A customer reaches out through your listing and you message or talk on a call, free. Every conversation runs through CoolCredit, on the record, and their name and contact details stay hidden while you talk.
Conversations are free
04
They hire you
The lead is yours the moment they hire you. Only then are their details, audit report and documents released to you, and the $35 lead fee applies.
Pay only when chosen
Hire · $35 only when they hire you
Messaging and calls cost nothing and carry no obligation. The fee applies once, only when the customer hires you.
The customer has already done the work.
One goal, two ways to get there: CoolCredit's AI and experts, or a vetted partner.
Your listing sits beside both, and every customer reaches it the same way.
Gets a free deep audit
CoolCredit's AI reads all three bureau files line by line, flags what the bureaus and the companies reporting can't prove, and cites the law behind each finding.
Fills the document vault
ID, proof of address and contracts. The AI reads whatever they add and folds it into the dispute. The more they give, the stronger the case.
Compares listings and chooses
Sees their report first, then compares vetted firms side by side. Their name, address and account numbers stay hidden until they hire.
The first message you get
By the time they message you, they know what is wrong and what it is worth. You are not explaining the file — you are quoting the work.
- Anonymized case summary attached to the first message
- Item types, balances and bureaus — no identity until hire
- Reply through your Partner Console; the record keeps itself
Everything you need to win the lead, in one place.
Consultations booked for you
Connect Google Calendar or Calendly and customers book consultations straight into your schedule. No back-and-forth, and calls are free like messages.
Credit for every client you win
Every conversation is tracked on the platform, so a client you win is always attributed to your firm.
See changes as they happen
Your clients' files keep being re-audited while you work, so you know what's changed without chasing updates.
Good work brings more clients
Strong reviews raise your ranking in search, putting your firm in front of more customers over time.
Run your pipeline from one screen
The Partner Console shows opportunities, sponsored placement, profile quality and response time, so you always know where each prospect stands.
Coming soon
Report your clients' payments
Clients who pay you on a plan can have those payments reported to the bureaus through CoolCredit, so the progress they make with you shows on their file.
Held to a higher standard, on both sides.
Customers only reach out when they trust who they are talking to. Firms only invest when the leads are real. The same standard protects both.
What we check before you go live
- Business identity, ownership and an active legal entity
- CROA registration and state licensing where required
- Background check, surety bond and insurance where required
- Years in business and real customer reviews that hold up
- A clearly stated service area: national, multi-state or local
- The claims on your listing: no guaranteed results, no promised score changes
A person makes the final call. Reviews usually take about a week, and monitoring continues after approval. Once live, you answer a new customer within one business day.
What every customer is told
- Every partner is verified before going live
- Their consent is on record before any firm can make contact
- Their name, address and account numbers stay hidden until they hire
- Every conversation runs through CoolCredit, on the record
- Honest pricing and intake terms are shown upfront
Customers can report a firm, switch, or come back to CoolCredit at any time, and their history goes with them. Firms that do the work well keep them.
You pay when you win the lead. Not before.
Comparing costs you nothing, and neither does talking.
The fee applies only when a customer chooses you.
Step 1
No monthly fee, no minimums. Message any customer who reaches out.
Step 2
Per lead won, when a customer hires you, with the full customer package released to you.
Add-on
A clearly labelled top slot puts your firm in front of every relevant search the moment a customer looks.
22,500+ customers on CoolCredit today, each with a credit report on file and a clear goal.
September 2026
These are customers on CoolCredit today, not a promise of volume. How many contact you depends on your listing, your category and your area.
Put your firm in front of customers who already have their audit.
Tell us about your firm. Every application is reviewed by a person, and your listing goes live once approved.
- Established firms in credit repair, debt, tax or identity services
- Licensed, bonded and insured where your state requires it
- Able to answer a new customer within one business day
Questions first? Email support@coolcredit.com or call (844) 424-6529.
Create your partner account to apply.
Signup takes a few minutes: your firm's details, licensing and the services you offer.
- Free to apply, 15 days free once approved
- Reviewed by a person, usually within about a week
- Cancel anytime
You'll continue on the CoolCredit partner signup page.
