💸 What’s the Real Cost of Ignoring Credit Repair in Your Real Estate Business?
🛑 The Truth: You’re Losing Deals—and Money—Every Month
Every time a buyer gets denied and walks away, you're not just losing a potential sale—
you’re losing $6,000 to $15,000 in commission, future referrals, and months of follow-up work.
🧾 Example 1: The First-Time Buyer You Let Walk
Buyer: Darnell, 27, first-time homebuyer
Issue: FICO 581 with a few medical collections
Home Price: $260,000
Potential Commission (2.5%): $6,500
Outcome: He was denied, never followed up, and rented instead.
Cost of doing nothing?
→ $6,500 lost, plus 1–2 future referral deals you’ll never see again.
🧾 Example 2: The Investor With Great Income but Poor Credit
Buyer: Linda, an Airbnb investor
Issue: 602 FICO due to high utilization (4 maxed cards)
Property: $475,000 duplex
Commission (2.5%): $11,875
Outcome: Deal delayed 90 days while she “worked on credit”—she bought with another agent.
Cost of delay + lack of credit tools?
→ $11,875 lost + your brand looks reactive instead of resourceful.
💡 What Can You Do as a Realtor Without Being a Credit Expert?
You don’t need to be a credit repair specialist to add value and close more deals—you just need the right tools and a bit of knowledge.
Here’s how to help your clients (and yourself) TODAY:
🧰 DIY Credit Repair Tips for Realtors (to Guide Clients or Use Yourself)
1. Check All 3 Reports First
→ Guide your client to pull all 3 reports at once for free at AnnualCreditReport.com
Ask them to look for:
Collections
Inaccurate late payments
Duplicate accounts
This is the first step before sending them to a credit pro.
2. Dispute Inaccuracies (You Can Help!)
→ If your buyer sees incorrect data (wrong amounts, closed accounts showing open, etc.), guide them to dispute through:
Experian.com/disputes
Equifax.com/personal/credit-report-services
Transunion.com/credit-disputes
Encourage them to submit:
A short explanation
Proof (statement, screenshot, letter)
3. Utilization Quick Fix
→ Tell your client to pay down any credit card that’s over 30% utilization. Example:
$1,000 limit card with $800 balance → Pay it to $290 or less.
This one step alone can boost a score by 20–50 points in 10 days.
4. Add a Positive Tradeline
→ Help them become an authorized user on a parent’s or friend’s low-utilization, long-history credit card.
Bonus Tip: Partner with REI Invest Capital to offer paid tradelines if they don’t have personal connections.
5. Track Their Progress With a Plan
Set a “credit comeback” game plan:
Start at 580 → Reach 620 in 30–60 days with guidance
You stay top of mind, stay valuable, and get the deal when they’re ready
💼 Don’t Leave Commission on the Table
You already do the hard part—finding the leads, building trust, and showing homes.
Now it’s time to stop letting credit ruin your pipeline.
📣 Call to Action:
✨ Want to Earn Commission from Every Client—Even If They Don’t Buy Today?
✅ Help them fix their credit
✅ Stay in the loop
✅ Earn $25–$100 referral commissions
✅ Get more of your pipeline pre-approved
🔗 Partner with REI Invest Capital → www.LoanCreditRepair.com/real-estate-brokers.html