Join a growing network of real estate professionals, loan officers, entrepreneurs, and influencers who earn monthly residual commissions — without doing any of the credit work.
You bring us the referral. We handle everything else — audits, disputes, client support, compliance. You just collect your commission.
Refer a client once and earn recurring monthly commissions for as long as they remain enrolled — with zero ongoing effort required from you.
Most programs pay out monthly. Our Credit Action Plan pays biweekly. You earn consistently, every time your referred clients are billed.
Over 21 years in operation, 24,000+ clients, and a 97% satisfaction rate. You're promoting a service that genuinely delivers results.
You get a dedicated point of contact, partner resources, referral tracking, and everything you need to promote confidently and compliantly.
Credit repair is one of the most in-demand financial services in America. Your audience almost certainly has clients who need this — right now.
Every referral is tracked through Tolt. You see clicks, signups, enrollments, and commissions — all in one clean dashboard, in real time.
Getting started is simple. The hardest part is referring your first client.
Fill out the short application below. Tell us about yourself, how you plan to refer clients, and your preferred payment method. Takes under 5 minutes.
Our team reviews your application within 1–2 business days. Once approved, you receive your unique Tolt affiliate link and partner welcome kit.
Share your link via email, social, direct conversation, or any channel you choose. When your referral enrolls, you start earning. It's that simple.
Earn on enrollment fees and monthly service fees — no caps, no minimums. The more you refer, the more you earn.
You don't need to know credit law, understand the dispute process, or manage client expectations. That's our job. Your job is simple: connect people who need help with us.
Audits, disputes, creditor communication, CFPB filings — all handled entirely by our team.
Just refer. Our team handles enrollment, client questions, and onboarding from start to finish.
Over two decades of results, 24,000+ clients, and a track record you can promote with confidence.
Real-time Tolt dashboard — every click, referral, enrollment, and commission dollar tracked and visible.
Our program and marketing guidelines are built around full compliance — protecting you and your clients.
A dedicated ERC partner contact is available for questions, co-marketing, and growing your referrals.
Applications are reviewed within 1–2 business days. Once approved, you'll receive your Tolt affiliate link and partner welcome kit.
All fields required unless marked optional. Submitted securely.
Thank you for applying to the ERC Partner Program. Our team will review your application and reach out within 1–2 business days with next steps and your Tolt invite.
ERC Partners earn commissions based on the following approved rates. Commissions are calculated on the net amount collected from referred clients, excluding any applicable taxes or processing fees.
All ERC partners are required to comply with FTC endorsement and testimonial guidelines. This means:
Partners are strictly prohibited from making any of the following claims:
ERC reserves the right to terminate any partner's account and withhold unpaid commissions if the partner is found to be in violation of these marketing rules, applicable law, or the terms of this agreement. Partners may also voluntarily terminate their participation at any time with 30 days' written notice.
Refer them to ERC. Help them fix their credit. Get paid monthly for as long as they stay enrolled. Apply in under 5 minutes.