Help clients prepare for their
next step.
Realtors, loan officers, and financial pros — give your clients a compliant path to work toward their credit goals. CROA-compliant, with tracked referrals and a written partner agreement.
Why Partner With KT Credit?
You already meet clients whose credit is the only thing standing between them and their next step. We help them prepare their credit profile — no guarantee of a specific outcome.
Help Clients Take the Next Step
Clients whose credit is the only thing standing between them and a closing need a clear path forward. We help them prepare their credit profile for the next step — no guarantee of a specific outcome.
Compliant & Trusted
CROA-compliant process. No CPNs, no illegal shortcuts, no gimmicks. A straightforward, compliant approach to credit review.
Tracked Referrals
Your tracked referral link carries your partner code and attributes the client to you from their first form. We discuss reporting and payout terms during onboarding.
Easy to Recommend
Clients pay a $50 onboarding fee, then $90–$170 month-to-month, cancel anytime. Any compensation and payment terms are confirmed in a written partner agreement before referrals.
How the Referral Program Works
Apply as a Partner
Complete the partner application below. We review your information and reach out to discuss referral arrangements.
Refer Your Client
Send clients through your tracked referral link or code. Your link attributes the client to you from their first visit.
We Work the Credit File
Our team reviews what's reporting across all three bureaus and disputes inaccurate or outdated items — no guarantee of specific results.
Discuss Referral Arrangements
Any eligibility, compensation, and payment terms are confirmed in a written partner agreement before your first referral.
How the Referral Commission Works
The details partners need to evaluate the opportunity — eligibility, attribution, qualifying events, and payout terms. Final terms are confirmed in a signed partner agreement before your first referral.
Who Qualifies as a Partner
Open to licensed and practicing professionals whose clients need credit readiness.
- Realtors and real estate agents
- Loan officers and mortgage brokers (NMLS preferred)
- Financial advisors and credit counselors
- Auto dealers and financing managers
- Other verified industry professionals
Applicants are reviewed against their license/NMLS and business history. We'll reach out to discuss onboarding after we review your application.
How Attribution Is Tracked
Your tracked referral link carries your partner code (?ref=YOUR_CODE) and stamps it on the client's first form so referrals are attributed to you.
- Unique tracked referral link assigned at onboarding
- First-touch attribution captured on the client's first visit
- Client matched to you by name, email, and phone
- Reporting and payout terms discussed during onboarding
Eligibility & Referral Terms
Any referral eligibility, compensation, qualifying events, payment timing and reporting must be confirmed in a written partner agreement before referrals.
Commission & Payout Terms
Commission is a flat per-client referral fee. Any eligibility, compensation, and payment terms must be confirmed in a written partner agreement before referrals.
- Paid on verified qualifying events only
- Payout method and schedule set in your written agreement
- Statement of account provided with each payout
- Discuss referral arrangements during partner onboarding
Before you refer. Any eligibility, compensation, qualifying events, payment timing and reporting must be confirmed in a written partner agreement before your first referral. KT Credit Solutions operates in full compliance with CROA: we never ask clients for payment before services are rendered and make no guarantees of specific score outcomes.
Become a KT Credit Partner
Tell us about your practice. Once we review your application, we'll reach out to discuss referral arrangements and confirm terms in a written partner agreement.
- Tracked referral link & attribution
- Referral arrangements confirmed in writing
- Reporting and payout terms discussed during onboarding
KT Credit Solutions operates in full compliance with the Credit Repair Organizations Act (CROA). We never ask clients for payment before services are rendered and make no guarantees of specific score outcomes.