Agency Advantage – Credit Manager Partner Network

The Unfair Advantage for Credit Repair Agencies

Imagine a fully managed credit repair business that runs and grows on autopilot. With Agency Advantage, you skip the headaches of figuring out website development, software automation, billing, dispute handling, staff management, and customer support.

All while owning a fully compliant credit repair company that scales without limits.

Notice: Your information and your customers’ information will be kept private. Such private information is never shared with another party outside of our direct partner management without proper consent.

How & Why Our Agency Advantage Works

Everything You Need to Succeed Without the Headaches

Done-For-You

We can automate and manage the entire agency operation so you can focus on growth.

100% Compliant

Stay protected with systems built around credit repair laws and regulations.

Scalable Growth

From one client to hundreds, your agency is designed to expand with demand.

Ongoing Support

Get expert guidance, training, and resources at every stage of your journey.

Unfair Advantage

For Agencies Ready to Scale Without the Stress

Running a credit repair business on your own can feel overwhelming. From compliance and dispute handling to billing, staff, and customer support — the work adds up fast, and growth often stalls.

That’s why we created Agency Advantage. It’s a complete, done-for-you infrastructure that removes the bottlenecks holding most credit repair agencies back. Whether you’re just starting out or you already have clients but feel stuck, our system gives you the leverage to grow with confidence, clarity, and compliance.

Unleash An Army Without The Overhead

Get the power of a full staff without payroll headaches. Our team, systems, and processes become your back office—so you can scale like a big agency without big expenses.

Grow Your Business Without Limits

Break free from caps, bottlenecks, and burnout. With our platform managing the hard work behind the scenes, you’re free to expand your agency as far as you want to take it.

Agency Advantage Benefits

Website & Branding

Launch a brand new, ready-to-use agency website with your own logo and identity.

Legal Compliance

Operate confidently with systems built to meet CROA and state-level CSO regulations.

Prewritten Agreements

Receive state-approved contracts and disclosures designed for compliant client onboarding.

Compliance Checklist

Follow a step-by-step roadmap covering setup, operations, and compliance essentials.

Agency Training Manual

Equip yourself and your team with clear processes for daily management and client success.

Credit Card Processing

Accept payments securely through integrated merchant options tailored for credit repair businesses.

Hands-Free Operation

Automate client updates, billing, and communication to keep your agency running on autopilot.

Unlimited Onboarding

Add and manage new clients without caps, fees, or scaling restrictions.

Lead Generation

Access managed ad campaigns and co-op marketing programs that deliver qualified leads.

Our History

Over 5 Years As A Credit Repair White Label Solutions Provider

10 k+

Customers

300 +

Agencies

40 +

States

60 +

Staff

Technically and legally speaking, a credit repair agency is actually known as a Credit Service Organization (CSO). We have managed over 250 300 CSOs within our network. The more of us there are, the stronger we are!

Your agency website can be just as professional and compliant as all of these examples

EVEN MORE EXAMPLES

AGENCY OWNERS CHOOSE US

For hands-free operations and automation - built with compliance at the core.

Most credit repair companies struggle and even fail not only because they can’t find clients, but because they run afoul of strict state and federal compliance requirements without realizing it.

Agencies trying to manage everything on their own often get buried in:

Complicated CSO registration rules (different in every state)
Surety bonds and local licensing requirements
Legally mandated disclosures and service agreements
Strict payment rules (like no upfront fees under CROA)
Record-keeping and reporting obligations

It’s no wonder so many owners feel overwhelmed and are unable to scale. That’s why Agency Advantage was built compliance-first. Every plan includes the proper framework, agreements, and processes designed to help you operate with confidence — so you can focus on growth while reducing unnecessary risks.

A Hands-Free Operation

With Our Upgraded Advantage Plans, Your Customers Are Pampered In Our Customer Daycare Drop-off Center

We handle the staffing, the tickets, the support, the calls, the disputing, the mailing, the management, the software, the payment processing, the everything.

What We Bring To The Table

LEGAL COMPLIANCE

Navigating compliance isn’t optional in the credit repair industry—it’s essential. Most agencies spend countless hours researching state and federal regulations, drafting disclosures, and worrying about staying compliant.

With our Agency Advantage, compliance is built in from day one:

Service plans and pricing structured to meet state & federal standards
Disclosure forms and agreements aligned with compliance requirements
Ongoing monitoring to ensure your agency never strays out of bounds

Instead of stressing over legal risks, you’ll have the peace of mind knowing your agency is always operating within the rules.

Building Trust Through Compliance

One of the biggest reasons clients trust us—and why we remain aligned with CROA and TSR requirements—is that we never charge upfront fees. Customers are guided through a self-registration process, signing themselves up, which keeps the process transparent, compliant, and trust-driven.

Lead-To-Customer Automated Process:

HANDS-FREE OPERATION

With our introductory service plan, you manage your own leads, onboarding, disputing, customer service, billing, and even software upkeep. It’s perfect if you prefer full control and want to handle everything yourself, except for the website and automation.

But running an agency can be overwhelming if you’re doing everything yourself. If you truly want a hands-free business, then our upgraded plans are what you need. Under the upgraded plans, our team becomes your back office.

We handle:

Customer onboarding & support
Disputing & compliance-driven services
Payment processing & payout management
Staff management & workflow oversight
Software, website, and system maintenance

In other words, we run the operation for you while you focus on what matters most: growth and strategy.

The only requirement? You’ll need to adopt our proven service plans, pricing models, compliance standards. Beyond that, you simply enjoy the freedom of owning an agency without the burden of running one.

FULL AUTOMATION

Running an agency without automation quickly becomes overwhelming. Missed follow-ups, forgotten reminders, and disorganized communication can cost you deals and damage your reputation.

That’s why we designed full automation directly into your platform:

Automated onboarding sequences for new customers
Built-in lead nurturing flows via email, SMS, and calls
Smart reminders that keep clients and prospects engaged
Back-end workflows to reduce repetitive admin tasks

This isn’t “basic automation”—it’s a system designed to run your agency’s operations with precision, so you don’t have to.

STAFF MANAGEMENT

Hiring and managing staff is one of the most expensive and time-consuming parts of running an agency. Training new employees, overseeing performance, and covering payroll can easily drain your resources.

With us, you don’t have to worry about it. Our team becomes your team. We handle:

Day-to-day customer service and support
Case and dispute management
Ongoing training and oversight of staff operations
Internal workflow management so nothing slips through the cracks

You get all the benefits of having a fully staffed agency without the overhead or the headaches.

LEAD GENERATION

Quality leads are the lifeblood of your agency. With Credit Manager, you don’t have to guess or gamble—we provide done-for-you ad campaign management designed to consistently put new prospects in your pipeline.

Hands-Free Campaigns: We handle the strategy, targeting, and management so you can focus on conversions.
Co-Op Campaigns: Team up with other agencies to share ad costs, dramatically lowering your entry point.
Exclusive System Integration: Our automatic lead distribution connects directly with your agency, ensuring no opportunity slips through the cracks.

With our lead gen services, you’ll have the flexibility to start lean and scale big, without the stress of managing ads on your own.

CLICK HERE to take a look at some of our amazing lead generation services.

BILLING DEPARTMENT

A reliable billing department is the foundation of every successful agency. It ensures clients are billed correctly, payments are processed securely, and profits are distributed on time — all while keeping your business compliant.

Most credit repair agencies lack the infrastructure, licensing, or merchant stability to manage these operations internally. That’s where we come in.

Our upgraded Agency Advantage plans automatically enroll your business into the Invoice Management Service (IMS) — a done-for-you billing system that eliminates merchant hassles, compliance risks, and the need to chase down payments.

For 15% of a customer’s paid invoice, IMS will:

Handle invoicing and collecting payments from your customers
Accept and securely process payments online
Deduct all applicable expenses and fees
Cover all transaction fees, batch fees and interchange fees
Record all transactions directly in your agency portal
Disburse funds via ACH or eCheck

No setup fees, no ongoing monthly costs, and no minimum sales volume required to qualify. We simply take 15% of the paid customer invoice. That’s right, we only charge the 15% fee once a customer makes the payment.

IMS gives your agency a fully managed billing department without payroll or merchant costs. It’s a complete, done-for-you system that delivers effortless cash flow management, full compliance coverage, and total peace of mind.

Agencies without IMS must:

Obtain and maintain their own merchant account
Send invoices and handle all billing directly
Manage chargebacks, disputes, and gateway integrations
Clear agency invoices from Credit Manager even if customers haven’t paid

Without IMS, your agency carries the full risk and workload of payment collection, merchant fees, and potential account terminations — all while operating in a heavily restricted financial services category.

Why Most Agencies Choose IMS: IMS isn’t just about convenience — it’s your agency’s financial safety net.
For a single 15% all-inclusive billing fee, you eliminate merchant risk, avoid reserve holds, and get hands-free, compliant cash flow management.

UNLIMITED CUSTOMERS

Every agency owner wants growth—but growth can quickly become overwhelming if you’re doing it all yourself. That’s the reality of running a business on your own: you’ll need to handle everything manually, which naturally limits how far you can scale.

When you’re ready to scale without limits, that’s where the Smart Advantage plan shines. With Smart, there are:

No customer caps → serve as many clients as you can acquire
No tiers → one flat structure, no surprise upgrade fees
Full support → our team manages onboarding, disputes, billing, and service delivery at scale

Smart gives you the freedom to grow your agency as large as you want, knowing that our team and systems can handle the workload for you.

SIGN UP FOR A DONE-FOR-YOU, GROW-FOR-YOU
AGENCY OPERATIONS MANAGEMENT PLAN

Both Plans Include

State & Federal Compliance Standardization
Hosting and SSL Protection
Membership Management Software

Access To Compliance Checklist
Ongoing Compliance Updates

$ 295 Setup Then $95/m

This Is A Website Leasing-Only Plan
Website Live Within 7-10 Days
Monthly Subscription Begin 2nd Month
Perfect For Getting Started & Testing
Control Your Service Plans & Pricing
Cancel Anytime (Website Will Be Terminated) ¹
Optional $600 Buyout To Keep Website Assets
Must Handle Your Own Operations ²
Service Agreement Templates
No CSO Registration & Bond Assistance
No Discounted Upgrade To Smart

BEGINNER

$ 1,850 Setup Then $395/m

This Is A Website Ownership Plan
Website Live Within 10-14 Days
Receive All Benefits of Lite Advantage
Monthly Subscription Begin 3rd Month
Twilio SMS Number & Integration
Unlimited Customer Support & Management
eCourses You Can Sell on Your Website
Customer Dispute Portal Access
GoHighLevel Sub-Account Limited Access
Must Adopt Our Service Plans & Pricing ³
Invoice Management Service (15% Fee) ⁴
Option To Opt Out of IMS
45% Customer Invoice Discount
CSO Registration & Bond Assistance
Cancel Anytime But Keep The Website

ADVANCED

¹ Lite Advantage is designed as a leasing plan, which makes it low-cost and flexible. You can cancel anytime without penalty. If you decide you’d like to fully own your website and transfer it elsewhere, you can simply pay a $600 buyout fee and we’ll provide your complete website files in a convenient zip file. This way, you’re always in control of whether you lease or own.

² Lite Advantage gives you a professional credit repair website with hosting and security included. This plan is ideal if you prefer full control of your services, pricing, and operations. With Lite, you’ll manage your own customers and processes while we provide the foundation of a professional online presence.

³ Smart Advantage plans come with our proven, compliance-ready, consumer credit repair service plans and pricing. This uniformity not only keeps every agency in our network aligned with nationwide regulations, but it also builds greater trust with consumers. By adopting these plans, you save time, avoid legal pitfalls, and present your agency with the credibility of a standardized, professional operation.

⁴ Smart Advantage include our Invoice Management Service (IMS), giving you a fully managed billing department. IMS takes care of invoicing, follow-ups, payment processing, transaction fees, transaction logging, expense deductions, and payout management via ACH or eCheck. The 15% IMS fee is charged only when the customer’s payment is successfully processed for each invoice.

After payment, you should be given access to the member's area immediately. Reach out if you do not receive your login information for the dashboard area within 24 hours of payment.

Consumer Credit Repair Service Plans

If you conform your agency operation to ours, you'll also be offering the same consumer credit repair plans we have designed. These service plans have been approved by every State we have applied to and are in compliance with federal laws.

One-Time Service

Customers must first be onboarded and service paid for before additional services can be delivered. The onboarding fee covers them for as long as they are a customer. Even after cancellation of services, the customer has 6 months to sign back up again. Once 6 months of inactivity has passed, the customer must pay the onboarding fee again.

Monthly Service

With this service, we target 1–5 negative accounts at a time. Clients don’t pay anything upfront; they only submit payment after work is completed and invoice is sent. This is a month-to-month service meaning that the customer may cancel at any time without penalty. All completed work will be invoiced and must be paid though.

Monthly Service

With this service, we target 6-10 negative accounts at a time. Clients don’t pay anything upfront; they only submit payment after work is completed and invoice is sent. This is a month-to-month service meaning that the customer may cancel at any time without penalty. All completed work will be invoiced and must be paid though.

Monthly Service

Our Hard Inquiry Plan is designed for customers who want to remove excessive or unauthorized credit checks from their reports. This can be offered either as a standalone option or combined with other credit repair services. Best of all, there are no limits. We dispute every hard inquiry that the customer points out to be erroneous.

One-Time Service

Monthly Service

Managed Over 300 Agencies

With over 300 agencies managed in the past 5 years, Credit Manager has refined every process to help professionals scale efficiently and stay compliant — serving as a true partner in your agency’s growth and success.

Still have questions? Review our FAQ.

Request A Paid Consultation

All the information you need is available on this website, but if you prefer to speak to a professional that knows more about the setup process, the system, the marketing, the operation and management of everything, book a paid deep-dive to get all your questions answered. Satisfaction guaranteed or your booking fee refunded.

The Unfair Advantage for Credit Repair Agencies

All while owning a fully compliant credit repair company that scales without limits.

Everything You Need to Succeed Without the Headaches

Done-For-You

100% Compliant

Scalable Growth

Ongoing Support

For Agencies Ready to Scale Without the Stress

Unleash An Army Without The Overhead

Grow Your Business Without Limits

Agency Advantage Benefits

Website & Branding

Legal Compliance

Prewritten Agreements

Compliance Checklist

Agency Training Manual

Credit Card Processing

Hands-Free Operation

Unlimited Onboarding

Lead Generation

Over 5 Years As A Credit Repair White Label Solutions Provider

Your agency website can be just as professional and compliant as all of these examples

EVEN MORE EXAMPLES

For hands-free operations and automation - built with compliance at the core.

A Hands-Free Operation

With Our Upgraded Advantage Plans, Your Customers Are Pampered In Our Customer Daycare Drop-off Center

We handle the staffing, the tickets, the support, the calls, the disputing, the mailing, the management, the software, the payment processing, the everything.

What We Bring To The Table

LEGAL COMPLIANCE

HANDS-FREE OPERATION

FULL AUTOMATION

STAFF MANAGEMENT

LEAD GENERATION

BILLING DEPARTMENT

UNLIMITED CUSTOMERS

SIGN UP FOR A DONE-FOR-YOU, GROW-FOR-YOU AGENCY OPERATIONS MANAGEMENT PLAN

Both Plans Include

Lite Advantage

Smart Advantage

After payment, you should be given access to the member's area immediately. Reach out if you do not receive your login information for the dashboard area within 24 hours of payment.

Consumer Credit Repair Service Plans

Onboarding

New Beginnings

Accelerated

Hard Inquiry

Managed Over 300 Agencies

Still have questions? Review our FAQ.

Request A Paid Consultation

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SIGN UP FOR A DONE-FOR-YOU, GROW-FOR-YOU
AGENCY OPERATIONS MANAGEMENT PLAN