From Denied to Closed: How Successful Realtors Are Turning Credit-Challenged Leads Into High-Commission Closings
Six months ago, Realtor Jessica Thompson was about to lose yet another deal. Her buyer, a single mom named Carla, had found the perfect $265,000 townhome—but her credit score of 542 meant she couldn't qualify for a loan. The lender declined her. Carla left the showing in tears.
Jessica was tired of saying, “Sorry, there’s nothing we can do.” But this time, she tried something new. She referred Carla to a credit specialist at REI Invest Capital – Loan Credit Repair.
Within 6 weeks, Carla’s score jumped to 640 using a mix of credit repair and rapid rescoring. She was approved for an FHA loan and closed within 30 days. Jessica earned $6,625 in commission—from a deal that almost slipped through her fingers.
That moment changed Jessica’s entire business.
She made it her mission to turn more denials into deals. She partnered with REI Invest Capital, referred every credit-challenged lead, and added over $42,000 in extra commissions in just four months.
Now, she pre-screens every buyer, offers credit solutions, and gets paid on referrals—even for clients who don’t buy right away.
If you’re tired of losing deals due to bad credit, it’s time to rewrite the ending. These 5 case studies show you exactly how to do it—with tips, earnings breakdowns, and client success paths.
🏠 Case Study 1: Credit Repair Turns a Rental Lead Into a Home Buyer
Client: Jasmine (FICO: 545)
Goal: Buy a $280,000 starter home
Issue: Collections, late payments
Action: Realtor referred Jasmine to REI Invest Capital’s Fast Track Credit Repair Program
Results:
In 45 days, her score jumped to 642
She qualified for an FHA loan (3.5% down)
Realtor earned a $7,000 commission (2.5% of $280K)
Tip: Use a buyer intake form that includes credit screening early. Don’t write off renters—pre-qualify and refer!
Extra Earnings:
Credit Repair Referral Commission: $25
Total Additional Revenue: $7,025
🏡 Case Study 2: Rescoring Saves a Deal & Locks in a Commission
Client: Marcus & Tonya (FICO: 618)
Issue: Mid-score needed to be 640+ for better rate
Action: Realtor referred them to Rapid Rescoring (2 trade lines updated)
Results:
Within 7 days, score increased to 659
Qualified for a 5.9% instead of 8.2% interest
Monthly savings: $327/month on a $325,000 loan
Realtor closed in 3 weeks, earned $8,125 commission
Tip: Educate clients that rescoring is not credit repair—it updates data fast. Great for fast-closing buyers or borderline approvals.
Extra Earnings:
Rescoring Referral Commission: $50
Total Added Value: $8,175
🏘️ Case Study 3: From 12-Month Lease to $10K Commission
Client: James (FICO: 508, high DTI)
Issue: Declined for loan
Action: Realtor referred him to the Credit Sweep Program
Results:
3 charge-offs and 2 collections removed in 60 days
Score boosted to 685
Qualified for a conventional loan on $400K home
Realtor earned $10,000 instead of collecting $900 from a rental lease
Tip: Offer a "Rent-to-Buy Credit Game Plan" – help renters buy within 90 days and structure it into your marketing funnel.
Extra Earnings:
Credit Sweep Referral Commission: $100
Total Commission Earned: $10,100
🏙️ Case Study 4: Helping an Investor Close Multiple Deals
Client: Diana (Investor with low personal credit)
Issue: Score 588 blocked multiple finance deals
Action: Added 2 Authorized Tradelines + Credit Repair
Results:
Score reached 712 in 45 days
Secured a $250K hard money loan
Bought 3 properties in 90 days
Realtor earned $24,000 total commission (3 closings)
Tip: Partner with tradeline providers + credit repair teams. Create an “Investor Credit Readiness Kit” to offer them value before they’re ready to buy.
Bonus Earnings:
Authorized User Referral Bonus (2): $100+
Total: $24,100+
🏢 Case Study 5: Business Owner Pre-Approved Through Business Credit
Client: Eric (Business owner, FICO: 595)
Issue: Poor personal credit, but healthy business
Action: Introduced him to REI Invest Capital’s Business Credit Builder Program
Results:
Built 6 business trade lines in 60 days
Used PG-free business funding for down payment
Bought $360,000 multi-unit property
Realtor earned $9,000 commission
Tip: Help business owners leverage EIN funding if their personal credit is weak. Build relationships with business lenders.
Referral Bonuses:
Credit Builder Referral: $50
Total Earnings: $9,050
✅ Conclusion: Strategy + Tools = More Closings
By turning denials into deals, realtors can:
Close 2–5 extra transactions a quarter
Earn $10K–$50K in added commission annually
Get paid on credit referrals too (avg. $25–$100/client)
🔥 Want to Start Earning?
✅ Signup here as a real estate agent: www.LoanCreditRepair.com/real-estate-brokers.html
✅ Earn $25 for credit repair, $100 for credit sweeps, and $50 for rescoring
✅ Get credit help updates & a custom partner portal