Earn while helping your audience get better credit.
Your audience has been burned before and will assume this is more of the same. It isn't. Nobody pays us a dollar until their credit report actually improves — so if we can't help someone you sent, they are out nothing, and nothing comes back on you.
For example
A creator with 50,000 followers, posting daily:
$0
a month by your twelfth month
Pick one. You can change it any time.
handshake Run a dealership, mortgage desk, agency or tax practice? You are referring people face to face, not posting — that is a different programme with its own terms. See Vance Partners.
Rough numbers are fine.
Add up every platform you post on.
50,000
Our creators post daily. Pick what you will actually keep up.
Twice a day
A range, not a promise. The lower figure assumes this goes slowly for you; the higher one assumes it goes well. We show both because we honestly do not know which you will get.
By your twelfth month, per month
$0
Earnings stack because clients keep paying while new ones arrive, then level off as people finish and leave. Month one is small. That is not a flaw in the estimate.
Your first payment arrives in month three, once month one has cleared.
Your first month
$0
Your first year, in total
$0
Clients you'd be looking after
0
What one referral is worth
$0
You already know the pattern, because your audience does too. Big promise, money taken upfront, a monthly fee that runs whether anything happens or not. If you have been hesitating to touch this category, that is why — and you were right to.
The usual way
$99 a month, starting today.
You pay whether anything improves or not. Slow results are their revenue.
Ours
$0 today. Charged only in a month where the report actually moved.
No movement, no invoice. Slow results are our problem, not theirs.
Not at signup, not later. There is nothing to pay upfront.
Federal law, and we put it in writing at enrolment.
Every charge follows a documented improvement. Never before.
That difference is not a marketing angle — it is the entire business model, and it is why recommending us cannot come back on you. If we do nothing for someone you sent, they are not out a cent, and nobody comes looking for you.
One rate. No tiers to climb, no volume you have to hit, nothing that drops once you get good at this.
Why one flat rate. Tiered programmes look generous and then quietly pay less as you grow, because the top rate only ever applied to your first handful of referrals. Seven percent on your first client is seven percent on your five hundredth. You should be able to work out what you are owed without reading a table.
This is not a link you drop once and forget.
Creators
Feed, stories, short-form — every day. The partners earning real money treat this as part of their content calendar, not an occasional mention.
Lists
A dedicated send, or a standing placement in every newsletter. Weekly is the floor.
Groups
A notice, an announcement, a line in the bulletin. Little and often beats one big push everyone has forgotten a week later.
Why we are strict. Almost nobody acts the first time they hear about something. One post reaches people who are not ready; the fifth reaches the same people when they are. Daily partners earn several times what occasional ones do — not because each post works harder, but because showing up repeatedly is what makes any of it work. Go quiet for 60 days and the spot goes to someone who won't.
There is also such a thing as too much. Past roughly twenty touches a month the same people start muting and unsubscribing, and each extra message converts worse than the last. The estimate above accounts for that, which is why the numbers stop climbing in a straight line. Consistent beats relentless.
Not knowing what to say is the main reason partners go quiet. So we write it.
Ready to post
Captions, hooks, short-form scripts, carousels and graphics — written and legally cleared before they reach you. Post those as they are and there is nothing to submit.
Cleared first
There are things nobody is legally allowed to promise about credit, and the penalties fall on whoever said them — you included. So anything you write yourself gets a quick check before it goes out. We turn it around in two business days.
Live numbers
Clicks, signups, who is billing, what you are owed and when it clears. You never have to ask us how you are doing.
The things people ask before they apply.
Monthly. Commission is earned the moment we collect from a client, then clears a 60-day window before it can be paid out — that window covers refunds and card disputes. In practice your first payment lands in month three, and it is monthly from then on. There is a $50 minimum, and anything under it rolls forward rather than disappearing. We need a W-9 before we can send money.
The commission on that specific payment comes off the month we find out — never off a statement you have already been paid on. If your balance goes negative it simply nets against your next payment. We will never send you an invoice.
No — and please do not try to be. Point people to us and let us do the work. Do not review anyone's report, promise a score, or advise on someone's specific situation. That is regulated activity, it is our job rather than yours, and everything we give you to post stays on the right side of that line.
No to both. Joining is free, there is nothing to buy, and there is no follower minimum. We ask two things in return: stay active, and read the next two answers before you apply — they are the parts people are most surprised by.
No — that is the one exclusivity we ask for. While you are in the program you cannot promote, recommend or take money from another credit repair, credit restoration, credit sweep or tradeline service. Doing so ends the partnership.
It stops at credit. Promote anything else you like — other finance products, anything outside the category, your own business. We are not asking for your whole feed, and the restriction ends the day you leave: we claim nothing about what you do afterwards.
The reason is simple. Our whole pitch is that you can put your name on this because nobody pays until their credit improves. That means nothing if you are recommending an upfront-fee company in the same week.
Yes, for anything you write yourself. Post our content packs as they come and there is nothing to do. Write your own and it gets checked first — submitted through your dashboard, answered within two business days.
This is not us policing your voice. Credit is one of the few subjects where a single careless sentence carries statutory penalties, and they land on whoever said it. Content we approved is content we defend. Content we never saw, you are carrying alone.
We are open in 24 states today and adding more as licensing clears — anyone elsewhere joins a waitlist and hears from us the moment we open. Georgia is the permanent exception: state law there makes for-profit credit repair a criminal offence, so Georgia residents go to our partner nonprofit foundation and are helped free of charge. The right outcome for them, and no commission for you.
For as long as they stay a client — there is no cap and no expiry window. Most stay around five months, and you earn 7% of every payment they make in that time. Compare that with a one-off referral fee: a single client here is typically worth several times a flat bounty, and you did the work once.
Millions of people are stuck with something wrong on their credit report, and most have already been burned by someone who took their money first. You can be the person who points them somewhere that doesn't.
Free to join · No minimum audience · Paid monthly · Credit-category exclusive
Change anything here and the estimate updates. We would rather show you the workings than hand you a number you cannot check. Every default sits at the low end of what the evidence supports.
Not a guess at who has credit problems — a ceiling on how many will ever actually pay for help with them. It stops the estimate assuming your audience renews forever.
Signing up means putting a card on file. Nobody is charged at that point. Published financial-services benchmarks run 1.7% to 8.4%, but the high end counts simple form fills — ours needs a card, which is a heavier step.
Only these clients are charged, and only these months earn you anything. Most people see the most movement early, so this is an average across their whole time with us.
This is our least certain number. Nobody publishes reliable figures on tenure for this industry, and it moves the total more than anything else here. We will replace it with our own measured figure once we have enough clients to mean something.
Vance Dispute is $99 and Vance Complete is $149 per moved cycle. This is the average, weighted to how our current clients split between them.
The audience figures behind the estimate come from published 2026 industry benchmarks — how many followers typically see a post, how many people open and click an email. We started billing in July 2026, so we do not yet have enough of our own history to replace them. When we do, this page will say so.
Takes about two minutes and costs nothing. We reply within two business days with your link and your first content pack. Two things to know before you apply: you cannot promote other credit repair services while you are with us, and anything you write yourself gets approved before it goes out.