A credit repair partner for real estate agents, built to send your buyer back to you.
When the lender says no, most buyers vanish for a year and come back with someone else. Score Pros gives you a place to send them: a structured 90-day credit program, real work performed on the file, and milestone updates you can actually plan a re-application around.
Built for buyer agents, listing agents, teams, and brokerages. Score Pros is based in Irvine, California and works with clients nationwide. No referral fee changes hands in either direction, and we say why below.
Deals do not die because of “bad credit.” They die on specifics.
Almost every credit denial you have watched happen came down to a short list of mechanics that a buyer can see on paper and still misread. Here is what actually moves the file, so you can spot it earlier in your own pipeline.
Knowing which one you are looking at is the difference between a buyer who is 90 days out and a buyer who is two years out. We will tell you which one you have.
The middle score, not the average
Mortgage underwriting pulls all three bureaus and uses the middle score. On a joint application, the lower borrower’s middle score usually governs the file. One weak bureau can hold back an otherwise strong buyer.
The app score is not the mortgage score
Conventional mortgage pulls have long relied on older FICO versions rather than the model in a free credit app. Those older models treat collections and some medical items differently. That is why a buyer says 690 and the tri-merge says 622.
Debt to income, not the score at all
Plenty of denials have nothing to do with the report. A car note plus two card minimums can push the back-end ratio past program limits. Paying a balance down changes the ratio. Closing the wrong account does not.
Utilization is a timing problem
Card balances report once a month on the statement date. A buyer who pays in full every month can still look near the limit on the exact day the lender pulls. Where the balance sits at report time is what the score sees.
New credit during escrow
Furniture financed before closing, a fresh auto inquiry, a new card opened for the move. Lenders commonly re-check credit before funding, and a changed file can reprice or stall a loan that was already clear.
Active disputes at the wrong moment
Tradelines flagged as disputed can complicate underwriting, and some underwriters will not clear a file until the flag is resolved. Sequencing matters. It is one of the first questions we ask on any buyer inside an active timeline.
Your buyer does not need a miracle. They usually need one of six things identified correctly and worked in the right order.
What Score Pros actually does for your client
Score Pros is a credit repair organization operating under CROA and the FCRA. That means the work is disputes, documentation, and coaching, performed on the record, with your client approving what goes out.
What we do
- Pull and read all three bureau reports with the client, line by line, in plain English
- Separate what is inaccurate, outdated, or unverifiable from what is simply true and has to age
- Challenge inaccurate, outdated, or unverifiable items with the bureaus and furnishers under FCRA section 611, which sets a 30-day investigation window, extendable to 45 days when new documents are supplied
- Coach the mechanics that move a mortgage file: statement-date utilization, which balances to pay first, which accounts to leave open, when to stop applying for credit
- Flag the debt-to-income problem when the score is not the real blocker
- Tell your client, and you with their written consent, when the honest answer is that the timeline is longer than 90 days
What we will not do
- Promise a score number, a point lift, or a date by which anything happens
- Dispute accurate reporting to make a file look better than it is
- Sell tradelines, “credit privacy numbers,” or any new credit identity
- Charge your client before work has been performed. CROA prohibits charging for credit repair services before they are performed, and it gives every client a written right to cancel the contract: three business days, and longer in some states (five working days in California)
- Lock anyone into a term. Clients can cancel anytime
- Contact your client’s lender, or you, about their file without their written authorization
Results vary. Reporting accuracy, credit history, and how much the client engages all change the outcome, and no outcome or timeline is guaranteed. If you want the full method, it is written out on how it works and in our compliance statement.
How the referral relationship actually works
Four steps, and one paragraph about money that most partner pages avoid writing down.
You send them over
Use the form below, or hand them the 90-day program page and tell them to say your name. Either works.
We run a free Clarity Session
A specialist reviews their reports with them, explains what is blocking the loan, and gives a realistic read on the timeline. No charge, no obligation.
They decide, not you
If they enroll, they contract with Score Pros directly and sign a written consent naming you as the person we may update.
You get milestone updates
File reviewed, disputes sent, bureau responses in, ready to talk to a lender again. Enough to time the re-application without guessing.
About money, in plain terms
Score Pros pays no referral fees, finder’s fees, split commissions, marketing stipends, or any other compensation to agents, brokers, or brokerages for sending clients. Not now, not on a sliding scale, not “off the record.”
You pay nothing either. There is no partner fee, no listing fee, and no minimum volume. Your client contracts with Score Pros directly and pays Score Pros directly, month to month, cancel anytime, with no long-term contract.
We do not require your client to use a particular lender, title company, escrow company, or brokerage, and we do not accept payment from anyone to steer them. Real estate referral arrangements that involve fees or kickbacks for settlement service business raise problems under RESPA section 8, so we keep the arrangement simple: no money moves between us, in either direction, ever. The only thing being exchanged is a client who gets real help and an agent who gets a straight answer.
Score Pros is not a mortgage lender, mortgage broker, real estate brokerage, or law firm. Nothing here is legal advice. Confirm your own brokerage’s policy on outside vendor referrals before you send anyone.
Refer a client, or ask how partnering works
Tell us the situation in a sentence. A specialist calls you back, not your client, until you say otherwise.
Refer a client or ask about partnering
Give us your details and one line about the buyer. A Score Pros specialist calls you within 1 business day to talk through the timeline before anyone contacts your client.
Got it.
A Score Pros specialist will call you within 1 business day to talk through the referral. We will not contact your client until you tell us to.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
What you get as the referring agent
Not a portal login you will never use. Four things that make a stalled buyer manageable inside your pipeline.
- A named contact. One person at Score Pros who knows your buyers, reachable at (949) 430-6622, Monday to Friday, 9am to 6pm Pacific. Not a shared inbox.
- Co-branded progress updates, with consent. Once your client signs a written authorization naming you, we send status notes you can forward or put your own logo on. Without that signature we will not confirm that your client is even enrolled.
- Milestones you can plan around. File reviewed. First disputes sent. Bureau responses received. Ready to re-engage a lender. Real markers, no score predictions attached to them.
- A straight timeline read in week one. If your buyer is nine months out rather than ninety days, you hear that immediately, so you can keep the relationship warm instead of promising a spring close.
- A page to hand them. Send the 90-day home buyer program and let it do the explaining, or point them at our FAQ when they want to read before they call.
What your client experiences
You are putting your name on this, so you should know exactly what happens after they call.
Clarity, before any commitment
A free Credit Clarity Session. All three reports open on the screen, a specialist explaining what each item is doing to a mortgage file, and an honest answer about the timeline. Many people stop here with a plan and never buy anything. That is a fine outcome.
Written terms, then work
A written contract with the disclosures CROA requires, including the three business day right to cancel. Then the actual work: documented challenges to inaccurate, outdated, or unverifiable items, and a payment and utilization plan for the accounts that are accurate.
They approve, they can leave
Nothing goes to a bureau they have not seen. They can cancel anytime with no penalty. If they would rather run it themselves, we say so and point them at the do-it-yourself tools instead of selling them a service they do not need.
The lines we hold, so your license stays boring
Partnering with a credit company is a reputational risk for an agent. These are the things we will not do, written down, so you can hold us to them.
If anyone in this industry offers you a per-client payment for referrals, treat that as the warning it is. Read our full compliance position and our team background before you send your first client.
- No guaranteed scores, guaranteed approvals, or guaranteed dates. Results vary, and no outcome or timeline is guaranteed
- No disputing accurate items to inflate a file before an application
- No “rapid rescore” promises. A rescore is a lender-initiated update of already-corrected data, it is ordered by the loan officer, not by us, and it changes nothing that is not already true
- No advising your client to hide debt, move money, or misstate income on an application
- No contacting you, their lender, or their loan officer without written authorization from your client
- No money to you, and no money from you, for any referral
- No poaching. We do not sell real estate, we do not refer your client to another agent, and we do not take an interest in the transaction
What agents ask before the first referral
Do you pay referral fees to agents?
No. Score Pros pays agents, brokers, and brokerages nothing for referrals, and agents pay Score Pros nothing to partner. Fees or kickbacks tied to the referral of settlement service business create RESPA exposure, so we removed the money from the relationship entirely. You get a client who is being helped and a contact who tells you the truth about the timeline.
How long does this take, really?
The program is structured over 90 days because that is how long the work takes to perform, not because 90 days is a promised result. Under FCRA section 611 a bureau generally has 30 days to investigate a dispute, extendable to 45 when the consumer supplies new documents, so a first round plus responses fills most of that window. Some buyers are mortgage-ready sooner. Some have a debt-to-income problem or a recent derogatory that no dispute process can shorten. You will get the real read in week one.
Will you tell me how my client is doing?
Only with their written authorization naming you, and only at the milestone level: file reviewed, disputes sent, responses received, ready to re-engage a lender. We do not share their reports, their scores, their balances, or anything else in the file. If they decline to authorize updates, we will not confirm they are a client at all.
Can you get a collection removed before closing?
We can challenge a collection that is inaccurate, outdated, or unverifiable, and the furnisher and bureau then have to investigate it. We cannot promise that any specific item comes off, or that anything happens by a specific date, and any company that promises you that is telling you something they cannot deliver. If the collection is accurate and inside the reporting window, the honest strategy is usually payment planning and utilization work rather than a dispute.
My client has medical collections. Does that still matter?
Less than it used to, and it depends on the scoring model the lender pulls. The nationwide bureaus have removed paid medical collections and, since 2023, medical collections under $500 from consumer reports, and newer scoring models weigh remaining medical debt less heavily than other collections. Older mortgage scoring models still treat some of it differently. It is worth a look at the actual tri-merge rather than the app score before you assume the deal is dead.
What does it cost my client?
There is a setup component and a monthly component, and the exact figure depends on how much work the file needs, so it gets discussed on their free call rather than quoted on a web page. What is fixed: CROA prohibits charging for credit repair services before they are performed, there is no contract term, and they can cancel anytime. They also have a written right to cancel the agreement outright: three business days under CROA, and longer in some states, since California residents may cancel until midnight of the fifth working day after signing with any payment returned within 15 days. Our pricing page explains the structure in full.
What if my buyer would rather do it themselves?
Send them anyway and we will say so on the call. Some people need a tool, not a service. ScorePros AI is a do-it-yourself credit tool at $49.99 a month where the client stays in control of every letter, and the Approval Lab is a $25 a month education community with the same playbook we use internally. Both are honest answers for a buyer who is organized and 12 months out.
Do you work outside California?
Yes. Score Pros is based in Irvine, California and works with clients nationwide. State law does add requirements in some places, and a small number of states restrict how credit repair services can operate, so we confirm eligibility on the first call rather than after someone has signed anything.
What do you need from me to start?
Your name, your brokerage, a way to reach you, and one sentence about what the lender flagged. No client Social Security number, no report upload, no full application. We take it from there and come back to you with a timeline read. Send it through the form on this page or call (949) 430-6622.
Stop writing off the buyers who almost qualified
One conversation tells you whether a stalled buyer is 90 days out or a year out. That answer is free, and it is worth having before you decide how to spend your next quarter.
Partner with Score Pros
Tell us about your business and the buyers you are seeing stall. We will walk you through how referrals work, what your clients get, and what we will not promise them.
Got it.
A Score Pros specialist will call you within 1 business day to talk through the referral. We will not contact your client until you tell us to.
Want to move faster? Call (949) 430-6622, Mon to Fri 9am to 6pm PT.
Or call (949) 430-6622, Monday to Friday, 9am to 6pm Pacific. Prefer to send a buyer first? Point them at the 90-day home buyer program or have them book a free Clarity Session.