THE NO JOB LIFESTYLEFrom The No Job Lifestyle, for AutoVault credit partners. Copy, paste and make these your own. Put your own partner link wherever you see [YOUR LINK].
The offer in plain words
• You get a free funnel. The work with the customer is done for you.
• The customer buys a $500 credit education package that comes with free credit repair.
• You earn $200 per sale. If a customer is refunded after 6 months with nothing removed, you keep the $200.
• Results vary. How you do depends on your effort and your audience, and there is no promise of income.
The rules that protect you
• Call it a credit education package with free credit repair. Never say you are selling credit repair.
• Never promise a score increase, a removal or an approval.
• Never promise anyone income. Any time you mention earnings, say results vary.
• Never tell anyone to lie on a dispute or to create a new credit identity.
• Tell people you earn a commission when you share your link.
10 social posts
For customers (1 to 7), add at the end: "I earn a commission if you join through my link. Results vary."
1. Bad credit doesn't make you a bad person. Most of the people I talk to got here through a job loss, a divorce or a medical bill. If you want a second set of eyes on where you stand, comment INFO.
2. Have you actually read your credit report this year? Errors are common: wrong balances, accounts that aren't yours, late marks you paid on time. You have the right to dispute anything inaccurate. Get your free reports at annualcreditreport.com.
3. Question I got this week: "Why did my score drop after I paid off a card?" Paying off a card can change your card mix or your oldest account age, so small moves can happen. It's usually not a reason to panic. What credit question do you have?
4. Trying to buy a house next year? Start with your credit today, not the month before you apply. Fixing surprises takes time. Comment HOME and I'll send you what I'd look at first.
5. Denied for a car loan recently? You're entitled to know why. Lenders have to tell you the main reasons. Start there. If you want help working out what comes next, message me.
6. Nobody can honestly promise you a certain score. If someone does, walk away. What you can do is learn what's on your report, question what looks wrong and build better habits. I share a program that helps with this: [YOUR LINK]
7. Credit tip: your card balance on the statement closing date is often what gets reported. Paying before that date, not just by the due date, can keep your reported usage lower. Save this one.
For future partners (8 to 10):
8. I started sharing a credit education program because I got tired of watching people get stuck on their credit with nobody to ask. I didn't have to build a website or handle the customer work. If you're curious how it works, ask me.
9. Know a lot of people who are trying to buy a home or a car? You may be sitting on a referral network without knowing it. Here's how I help those people get pointed in the right direction: [YOUR LINK]. Commission of $200 per sale. Results vary and income isn't guaranteed.
10. What I wish I knew before I started: you don't need to be a credit expert to help people find the right resource. You do need to be honest, follow up, and never promise results. Questions welcome.
3 scripts for referral partners
Loan officers
Hi [Name], I'm [Your Name]. I work with people who are working on their credit. I'm guessing you turn away good people because their credit isn't ready yet. When that happens, where do you send them?
(If they have nobody:) I share a credit education program that comes with free credit repair, and the customer work is handled by the company. I can't promise any result for a client, and results vary, but it gives them a next step instead of a dead end, and they may come back to you when they're ready. Could I send you a one page summary? If it's not a fit, no worries at all.
Realtors
Hi [Name], I'm [Your Name]. Quick question: when a buyer loves working with you but can't get pre approved because of credit, what happens to them?
(Listen.) A lot of those buyers just disappear. I'd like to be the person you send them to, so they have somewhere to go while they work on it. It's a credit education program with free credit repair, and no outcome is promised. Everything is explained up front. You keep the relationship, and I'd let you know how to stay in touch with them. Worth a 10 minute coffee this week?
Car dealers
Hi [Name], I'm [Your Name]. I know finance managers see deals fall through over credit every week. Do you have anywhere to send those customers when you can't get them done today?
I share a credit education program with free credit repair. It won't fix anyone overnight, and I don't promise results, but it gives people a real next step and a reason to come back to you later. Can I drop off a few cards for your finance office?
Note: before offering a referral partner any payment or share of your commission, check the rules for their license and employer. Loan officers and realtors often have strict limits. A simple "we send people to each other" works without any money changing hands.
5 DM replies
1. "How much is it?"
It's a $500 credit education package, and credit repair comes free with it. You can see everything on the page before deciding: [YOUR LINK]. Full disclosure, I earn a commission if you join. Is there something specific on your report you want to work on?
2. "Can you promise my score goes up?"
No, and be careful of anyone who says they can. Results vary, and it depends on what's on your report. I can show you how the program works, so you can decide if it makes sense for you.
3. "Can you get this collection removed?"
I can't promise any item will come off. If something is wrong or can't be verified, you have the right to dispute it, and the program helps with that process. Want to see how it works? [YOUR LINK]
4. "Is this a scam?"
Good question to ask. Here's how I'd check anything like this: does it promise results? Does it explain what you pay for? Is there a refund policy you can read? Have a look and ask me anything: [YOUR LINK]. You can also dispute errors yourself for free, so you have options either way.
5. "How do I start doing this too?"
You get a free funnel and the customer work is handled for you. You share it and earn $200 per sale. Results vary, and it takes real effort to find people, so it's not instant money. Here's where to start: [YOUR LINK]
3 short video scripts (20 to 30 seconds)
1. The paid off card
Hook: Why did your credit score drop after you paid off a card?
Body: Paying off a card is good, but your score looks at things like your mix of accounts and how you use your limits. So a small dip can happen. It's usually nothing to worry about.
Close: Got a credit question? Comment below and I'll answer it.
2. The red flag
Hook: If someone promises you a 100 point credit score jump, run.
Body: Nobody controls what the bureaus and creditors decide. What you can do is read your report, question what looks wrong and build better habits. And yes, you can dispute errors for free on your own.
Close: Want a simple place to start? The link is in my bio. I earn a commission if you join, and results vary.
3. The check
Hook: Do you know what's on your credit report right now?
Body: Go to annualcreditreport.com. Get your free reports. Check three things: accounts you don't recognize, wrong balances and late marks you paid on time.
Close: Found something weird? Comment "report" and I'll tell you what I'd do next.
7 day action plan
Day 1. Sign up and open your funnel. Go through it as if you were a customer. Pull your own free credit reports so you know what clients see.
Day 2. Set up your profile so people can tell what you do. Put your link in your bio with a short commission note. Publish post 2.
Day 3. Write down 20 people you know and tell 5 of them what you're doing, using no pressure. Ask who they know, not whether they want to buy. Publish post 7.
Day 4. List 5 loan officers, 5 realtors and 5 car dealers near you. Send the script to 5 of them. Record video 3.
Day 5. Send the script to 5 more. Join 2 local or homebuyer groups and answer questions where the rules allow it. Publish post 1.
Day 6. Follow up with everyone who hasn't answered, one short friendly message. Reply to every comment and DM, using the replies above. Record video 2.
Day 7. Count your conversations, not your sales. Which source got the most replies? Do more of that next week. Book one coffee with a referral partner.
Three clients may take longer than a week, and results vary. The goal this week is to start real conversations. Keep them going every week and you'll learn what works for you.