How To Get Unlimited Credit Repair Clients Without Paying For Advertising
24 Nov 2025 · 0 min
This podcast episode (host: Daniel Rosen) teaches how to acquire an unlimited flow of credit-repair clients without paying for advertising. Rosen contrasts a costly failed experiment spending $150,000 on TV/radio/billboard ads with a low-cost referral model: start by helping friends and family, gather testimonials, pay clients $50–$100 per paid referral, and recruit affiliates (mortgage brokers, realtors, auto dealers, solar installers) who regularly meet credit-challenged customers. He gives case examples (Derek Harper and Tara Ashley Gable) who scaled to multimillion-dollar businesses using referrals and affiliate outreach (Tara reportedly grew to over a thousand affiliates). Rosen recommends in-person meetings or calls to build affiliate relationships and pairing this outreach with solid processes/software to handle volume.
Questions this episode answers
February 7, 2020.
$150,000.
$50 or $100 per paid client referral.
Over a thousand affiliates.
I'm going to show you how to get an unlimited flow of clients without paying for advertising.
So the big question is this. How can we take our passion for helping people with their credit and turn it into a successful business without taking loans, without spending a fortune by bootstrapping.
It from nothing so we can help the most people and still become highly profitable?
That is the question, and this podcast will give you the answer. My name is Daniel Rosen, and welcome to Credit Repair Business Secrets.
Back when I started, I thought that I needed to spend a lot of money on advertising to get more clients, but I had no idea what I was getting into. See, many people who have a new credit repair business, they worry when they don't have many clients, they just want more clients. They obsess over it, so they start to get tempted to spend money on all kinds of things to bring in more clients. But before you do that, I think you should hear this story. See, early on when I started out, I thought, okay, if I'm going to do this right, I'm going to do it big. I'm going to need TV ads and radio ads and billboards and newspaper ads. So I set out to learn about all those things, and I spent months of work and I spent $150,000 to create those ads. But I didn't really have $150,000 to spend on ads because I was still broke. And the little money I had, I needed that to eat. But I believed in this so much that I borrowed all that money on credit cards and against my house to run a TV commercial and ads for two weeks. I went all in. I just knew I was going to make a million dollars. I knew it. I knew it. I was going to be rich. And here's what happened. After all those months of work and spending $150,000 that I didn't really have and borrowing against my house, the commercials and the ads, they started to run. And you know what happened? Nothing. Crickets was terrible. No one cared. No one signed up. And it was like I had flushed all that money down the toilet. I felt like a bad gambler in Vegas after the casino had cleaned me out. But it was worse because I still had to pay those huge credit card bills. And the second mortgage I'd taken out on my house was awful. $150,000. I felt so stupid. It was the worst and most expensive mistake I've ever made. So here's why this is important. As entrepreneurs, we grow and we learn by making mistakes. It's all part of the process. And this huge and painful and expensive mistake taught me a really valuable lesson. It taught me that advertising on TV or any form of traditional advertising is wasted money when you're just getting started. Because you don't need everyone to see your ad. I know you think you do, but you don't. You only need to attract the select people who really need your help. So I figured out a way to target my message to just the people who needed my services. And I found a way to do it without having to pay anything for advertising. So here's how it works. After you work with your friends and family and you follow our flow and credit repair cloud and you start to get them results, you, your family and friends, they're going to think you're awesome and they're going to refer you to even more people. And then when you start to have some real results to show, that's going to make it very easy to attract real paying clients. And that's exactly how Derek Harper got started with his business that now makes millions. He was helping all of his buddies in the Air Force and then he got them results and then they started referring their friends and, and then he started charging them, and now he's got a huge operation and he's made millions of dollars in credit repair. See, if you do awesome work and really give value, your own clients will be your best advertising. So whenever you have a client and you get them awesome results, you do these two things. Number one, you get them to give you a testimonial to put on your site or, or on Facebook. And then next you offer to pay them 50 or $100 for each paid client that they refer to you. Now, people with bad credit always know other people who need your help. And since they're being referred by a friend who already got results from you, it's an easy sale. And then when you got your processes down and you're ready to increase the flow of clients even more, here's what you do next. You start to add affiliates. Affiliates are mortgage brokers, realtors, auto dealers, people like that who refer clients to you. It can even be people who install solar or any big ticket item all day long. They're turning people away because of credit issues. And they would love to have someone like you to help their clients with their credit because then they can sell more houses and mortgages and cars and solar or, or whatever it is that they sell. See, right now they're just turning those people away. So imagine the impact that you can have on their business if you can turn those people around. Not only will they love you, but if you really deliver, they will refer other affiliates to you. It's a win, win for everyone. So here's what you need to know. Affiliate referrals will be the easiest sale you have ever made because you're being introduced to someone who's highly motivated to start now. And they're highly motivated to pay you too, because they're usually trying to reach a big goal like buying a house. And then the mortgage brokers and realtors, they're highly motivated to refer those clients to you so they can sell more houses or cars or whatever they sell. It's a win win for everyone. So here's the super simple secret to getting a whole lot of affiliates. Are you ready? Okay. Get some comfortable shoes and a nice suit and go out and meet every mortgage broker, realtor, and auto dealer in your area. They meet a ton of people every day who need your help, shake their hands and offer to pay them a commission for each paid client that they refer to you. It's a win win for everyone. They get paid, they sell more loans, and you'll have a nice steady flow of clients with. With no money spent on advertising, can you see yourself doing this? The cool thing is it doesn't just work for me or Derek or any of our credit repair millionaires. No, it can work for anyone. Now, another one of our credit repair millionaires is Tara Ashley Gable. Tara always thought you couldn't grow a business without advertising, but she didn't have any money for advertising. She only had a few hundred dollars to her name. So she took a leap of FAI faith and she tried it this way. And here's what happened. She started calling mortgage brokers one after another after another. And she said, refer me the clients you're turning away so I can improve their credit and send them back to you. Brilliant, simple pitch, and she delivered results. And Tara's now making millions of dollars. And it's all driven by referrals from mortgage brokers. See, you don't even have to go in person to meet with the affiliates. Sure, it's nice to go in person, especially if they're in your town, but you can also call them. And that's what Tara did. And she now has over a thousand affiliates and makes millions of dollars in her credit repair cloud. It just takes reaching out to a few affiliates to get started. And if you're able to help just one affiliate, they will always refer their friends. It's about building relationships. So the important takeaway here is this. If you can improve a person's credit score so that the affiliate can sell them a loan or a car or solar or whatever their business is, that is going to be incredibly valuable to them. It will be life changing for them because it could double or triple their revenue. That is how powerful this is. So now I've shown you how you can get an unlimited flow of clients without paying for advertising. And I've shown you some examples of people who become millionaires with just this one simple method. And if you follow this same method, you're going to have so many clients all wanting to work with you that you might need to hire some help. Wouldn't that be awesome? Now, let me ask you a question. If you followed what I showed you in my earlier podcasts and you built a credit repair business with close to nothing, and then you did what I showed you in my last podcast and you used a software that gives you a built in process for everything and automated ways to process a lot of clients fast and to wow them with results. And then you use what I'm telling you today to get all the clients you ever needed without ever paying for advertising. Do you think you could be successful? Of course you would, right? So just imagine if you did this. Just imagine where you would be just a few years from now. Now, I want to thank you so much for listening to my podcast. If this is inspiring you, if you're finding value in the things that I'm sharing on this podcast, please click below to subscribe because I'm going to be releasing a new show every week and I don't want you to miss out. And I will see you on the next episode. So until then, keep changing lives. Want a fast track to creating an.
Amazing business that helps people, changes lives, and makes you a great living in the process? Then I'd like to invite you to my free online training@creditrepaircloud.com freetraining. In this free training you will learn how to get clients willing to pay you even if you're just starting out. How to get easy credit repair results without being an expert, and how to get all the clients you'll ever need without paying for advertising. Again, this training is absolutely free. Just visit creditrepaircloud.com freetraining.
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