Credit Repair: Online Business Ideas

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Credit Repair OVERVIEW

Credit repair is one of the hottest financial topics! Get your audience to the best answers in the fastest way to solve their financial woes. Along the way, provide ample content on financial planning, spending wisely, setting budgets, and much more. Your site could become a valuable resource for not only fixing bad credit, but building a good credit profile!

Credit debt is a huge problem for millions of people, and-as we all know-credit (good or bad) affects every aspect of our lives. From buying a car or house, to planning a family, even to getting a great job, credit is a factor in all of these and more.

As you will see as we move through this guide, there are plenty of searches going on in this category. Luckily for us, there are a ton of content options that appeal to this market, and a wide range of affiliate partnerships that fit right in.

While there is no age restriction on bad credit, you can choose to segment your site to focus on a younger audience or retirees if you desire. A best bet would be to design content areas for each of these within a larger site foundation.

 

 

Market research – Credit Repair

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(Our coverage of a particular niche market will provide you with a solid foundation of how large (or small) a niche idea is, who is the typical person engaged within a certain niche, how much money is spent on products related to the niche, and data on the current and future growth of that niche.)

Here is a table that displays some unbelievable facts about credit card debt, primarily in the US. This research is provided by StatisticsBrain.

Credit Card Debt Statistics

Data
Total U.S. credit card debt $729,000,000,000/td>
Average credit card debt per household $15,675
Average household debt $132,158
Percent of consumers that carried an unpaid balance in the past 12 months 57.3 %
Percent who said their debt had gotten “higher” in the past 12 months 26 %
The average balance per open credit card $1,357
Percent of disposable income that went to service credit card debt 13.9 %
Percent of families whose debt exceeds 40% of their income 14.7 %
Average credit card debt carried by undergraduate college students $3,173
Alaska has the highest average cardholder debt of $7,827
Percent of cardholders whose balance is less than $1,000 40 %
Percent of cardholders whose balance is above $10,000 15 %
Average combined credit card limit per consumer $19,000
Average debt of a college graduate $20,000
Percent of 18 to 24 year-olds who have “debt hardships” 20 %
Percent of survey who believe they had the same or less debt than the average 90 %
Miami has the highest percent of yearly income owed to credit debt 22.61 %
Percent of college students who have credit cards 76 %

And here is some research that outlines the current metrics involved in determining credit scores. You can use this as insight as you plan your marketing strategies. It’s important to identify who you will speaking to.

Credit Score Statistics

Data
National average credit score (FICO 300 – 850) 691
National average credit score (VantageScore 501 – 990) 749
Percent of people who have obtained a copy of their credit report 39 %
Percent who have checked their credit within the past 12 months 35 %
Percent of American adults who admit they do not know their credit score 37 %
Percent of undergraduate college students who have no credit history 2 %
Average number of credit obligations each consumer has on record at a credit bureau 13
Average length of a consumers oldest credit obligation 14 years
Percent of consumers who have a credit history shorter than 5 years 5 %

Credit Score Factors

Percent Factor
Payment history, late payments 35 %
Credit utilization, ratio of current revolving debt 30 %
Length of credit history 15 %
Types of credit used, installment, revolving, consumer finance, mortgage 10 %
Recent credit inquiries 10 %

Average Credit Score By Age (FICO)

Data
18 – 24 643
25 – 34 651
35 – 44 644
45 – 54 660
55 + 693

Sub Niches

  • secured credit cards

  • credit repair company reviews

  • bankruptcy

  • debt consolidation

  • financial advisers

Conclusion

As you can see, credit debt is a huge problem, and a big part of building a niche site is providing solutions for problems. This definitely falls in this category!

Top keywords

The following list is compiled by my favorite keyword tool, Jaaxy. This list is characterized by Jaaxy’s preferred measurements, which are:

  • SEO power is a metric that determines the difficulty or ease to rank for these keywords, with 90-100 being the easiest, 80-90 being moderate, and 70-80 for broader appeal-with more competition.

If you are unfamiliar with Jaaxy, I invite you to watch this training from my favorite, Jay at Wealthy Affiliates. He explains the metrics and powerful features of this simple to use tool He even shows proof how quick it can work!

Please also keep in mind that we have enclosed a raw keyword data package along with this guide. Jaaxy filters their results with affiliate marketers specifically in mind, but the other data will help round out your research.

Keywords

Monthly_Searches

Estimated_Traffic

QSR

SEO_Power

credit repair kit

136

24

130

93

your credit repair

160

28

100

94

credit repair service

361

62

177

83

a credit repair

9530

1621

187

78

credit repair company

432

74

212

78

credit repair professionals

64

11

106

94

credit repair lawyer

125

22

68

94

credit repair letter

171

30

89

94

credit repair programs

86

15

125

94

credit repair guide

136

24

91

94

effective credit repair

40

7

144

95

credit repair ebook

88

15

66

95

credit repair secrets

160

28

141

93

credit repair strategies

32

6

102

95

credit repair agency

110

19

200

85

legal credit repair

270

46

94

93

credit repair credit report

107

19

44

98

fix credit repair

32

6

23

97

bad credit repair

174

30

136

93

credit repair bad credit

32

6

83

99

best credit repair companies

2741

466

124

91

credit repair services

8459

1439

121

86

credit repair letters

303

52

162

83

credit repair techniques

72

13

147

94

credit credit repair

64

11

159

86

credit repair process

48

9

145

95

bad credit repair report

112

20

52

97

bad credit remortgage

93

16

115

94

repairing bad credit

104

18

159

85

bad credit refinance

107

19

115

93

bad credit mortgages

3529

600

173

79

to repair bad credit

352

60

124

94

repair bad credit

352

60

141

91

how long does it take to repair bad credit

8

2

47

84

how to repair bad credit fast

104

18

22

93

how to improve bad credit

313

54

108

92

YouTube keywords

This list is from YouTube, which has positioned itself as a search engine of sorts in this age of video content. It provides insight into the different-but sometimes similar- habits of users compared to a traditional Google search.

YouTube results not only uncover the content and media that your potential audience is searching for, it can give you some keyword ideas if you are planning to add a YouTube channel to your offerings. Depending on the niche idea, this can be a wonderful way to engage with your audience, and increase your marketing reach.

Remember that with a YouTube channel, you can gain subscribers and eventually monetize that traffic. It also allows you to extend the influence of your sites as a brand, and build trust.

Keywords

Search Volume (Average)

credit repair cloud

27242

credit repair 609

17848

lexington law credit repair reviews

12212

credit repair letters

9394

how does credit repair work

8267

diy credit repair

6764

credit repair diy

6764

credit repair letters 609

5542

credit repair section 609

5542

section 609 credit repair

5542

credit repair flyers

4509

credit repair cloud review

3664

credit repair tips

3664

credit repair organizations act

3006

what is credit repair

2442

credit repair letters that work

1973

credit repair dispute letters

1597

how to repair credit score

1597

credit repair fort lauderdale

1033

credit repair software free download

1033

Niche Angles

This list gives you some ideas that pair well with your chosen niche. The idea here is that you start with a smaller, more segmented part of a bigger picture, then slowly build out more content that grows your site and offers variations.

Keywords

Search Volume (Average)

bad credit loans

201000

credit

201000

what is a good credit score

110000

credit score range

90500

free annual credit report

60500

fcra

33100

fico credit score

22200

highest credit score

18100

credit score chart

14800

free credit report gov

14800

average credit score

14800

how to improve credit score

12100

how to increase credit score

9900

credit score scale

9900

credit rating

8100

credit agencies

8100

dispute credit report

8100

how to raise credit score

6600

credit score rating

6600

what is a bad credit score

6600

how to raise your credit score

5400

good credit

5400

consumer credit

5400

bad credit

5400

true credit

5400

how to improve your credit score

5400

credit history

4400

credit dispute

4400

best credit score

4400

free yearly credit report

4400

credit dispute letter

4400

credit management

4400

improve credit score

3600

lexington law credit repair

3600

credit companies

3600

credit score for mortgage

2900

credit solutions

2900

lowest credit score

2400

increase credit score

2400

credit score calculator

2400

credit account

1900

credit services

1900

raise credit score

1900

Good Domain Name Ideas

An effective domain name can be many things. For unknown websites, it is a wise practice to pick a domain name that explains the foundation of your business, most likely using your main keywords. It is still the best idea to choose .COM names, although .NET and .INFO are gaining popularity.

These domain names are provided to give some simple ideas and inspiration. Please check to see if any of these are available.

Incorporating your main keyword into your domain is also highly suggested.

(pro tip: Jaaxy includes available domain suggestions as you research keywords!)

*CreditRepairDesigns.com *CreditRepairFX.com *CreditRepairMate.com

*CreditRepairRoom.com *CreditRepairFlow.com *CreditRepairnteworks.com

*IdeaCreditRepair.com *SweetCreditRepair.com *CafeCreditRepair.com

*CreditRepairPath,com *CreditRepairValue.com

Content Ideas

Here’s a great list to spur your creative imagination! This list of headlines and general content ideas, focused to your chosen niche, will give you insight into what types of content audiences are searching for. Keyword-focused, image-rich articles that have a word count of over 1,000 and employ eyeball-grabbing headlines are sure to make your content sizzle!

  • CREDIT REPAIR: Are You Prepared For A Good Thing?

Provide some good news for those seeking solutions to their credit debt issues. Combine this with your well-researched affiliate programs that lead to credit repair.

  • Cool Little CREDIT REPAIR Tools

Focus on some products that help solve the credit debt problem, preferably some affiliate offers that you can promote.

  • CREDIT REPAIR Sucks. But You Should Probably Know More About It Than That.

A snappy headline that leads to content that could show the “down and dirty” of credit repair, and why it is necessary. Concentrate on the end result, which should be good!

  • A Beautifully Refreshing Perspective On CREDIT REPAIR

Take some of the pain and dread out of the credit repair process by offering some positive spins and experiences from others who have gone through the process.

  • An Analysis Of 5 CREDIT REPAIR Strategies… Here’s What We Learned

There are many different ways to repair credit, and this article can be a turned into a series that explores all the different options and paths that someone can take.

  • Check Out This Genius CREDIT REPAIR Plan

Focus on a credit repair strategy that you have used, or one that has really caught your eye for being highly effective and/or trustworthy.

  • My Biggest CREDIT REPAIR Lesson

What is the ONE thing that the process has taught you? What did you learn that can be transferred to others?

  • The Anatomy Of CREDIT REPAIR

Dissect the credit repair process in easy to understand terminology. Perhaps include a glossary of terms that make the process easier to grasp.

  • 10 Experimental And Mind-Bending CREDIT REPAIR Techniques That You Won’t See In Textbooks

Take note of some alternative or not-so-typical methods for repairing credit. The Penny Hoarder blog does a great job of this, featuring a lot of content of simple ways that make a lot of impact to positive credit down the road.

 

Product Ideas/Affiliates

Many top companies in almost every niche host their affiliate programs with companies such as CJ.com, ShareASale, and Clickbank. We scour the internet to bring you some of the most relevant programs to align with. Check on terms and conditions, including payouts and commissions, because these change with time.

Here’s the links to sign up for some of these great affiliate programs:

*CJ.com *ShareASale.com *Rakuten

*Ebay *Amazon *WalMart

*ClickBank *JVZoo.com *Etsy

*Udemy (courses) *Coursera (courses)

Below, we highlight some of the best ideas for this niche. Use these as guidelines for your product promotions, but by all means use your own inspiration!

 

 

  • The Credit Repair Agents– offers up to $50 for each direct referral. Several tiers that offer commissions. They claim to have one of the highest fix/remove ratios in the industry.
  • Progrexion– offers referral commission in the credit repair field as well as financial services for those denied credit.
  • Pyramid Credit Repair– offers $50-$150 per referral!
  • Credit RX– high trust and popularity, with average commission one of the highest in the industry.
  • MyFICO- managed by ShareASale. Log in and look them up. They offer $5 per lead and $5 per sale on a variety of credit-based products.
  • TheCreditPeople- managed by ShareASale. They offer up to $80 per referral.

 

Things to consider

  • As you can see from the affiliates, there is stiff competition among credit repair agencies, and that spells good news for you! The referral fees just for bringing these companies clients to work with are pretty impressive!
  • Calculators and other financial tools are great ideas to add to a site such as this. It is this type of content that often gets your audience to stay on your site even longer.
  • There are less than reputable companies in this field, so do some due diligence on any affiliate partnership you wish to engage with. Remember, your reputation is on the line as well! A great commission structure will mean nothing if you don’t set yourself up for the long term!
  • Write content with a sensibility and empathy, as many who seek this type of information may be struggling and looking for positive solutions.

 

Competition/ “Stars” of the niche

Part of niche research is finding and understanding your competition. You can glean ideas from them, as well as finding potential partners. There are many places to find the key influencers in each niche, such as Google, Facebook, YouTube, and many others. While this is not intended to be a complete list, it should give you a good starting point. Take a peek at how they do things- what products they promote, what types of content do they write, how do they engage with their audience. Use these ideas as inspiration, and put your own special twist into it!

Top sites (Google)

Top groups and pages (Facebook)

Top YouTube channels

Best Selling books

  • Total Money Makeover
  • The Automatic Millionaire
  • Credit Repair Kit for Dummies
  • Legal Loopholes

Top smartphone Apps

  • YNAB- budgeting app

  • Wally- track spending

  • Acorns- savings app

 

 

Niche-specific Forums and social media

Knowing where your audience gathers can help you make in-roads to put your offer in front of them. Connecting on a more personal and engaging way will be a solid strategy for building trust with your potential readers. Joining relevant forums and posting helpful comments and suggestions, as well as creating and maintaining social media profiles should be thought of as an extension of your existing website, providing a compliment and additional resource for your brand.

 

What’s Next?

This guide is designed to give you a lot of research information on your chosen niche, so that you can take that data and start building your site! This guide will, hopefully, save you some time, as well as show you the process of niche research. I enjoy this process, but I know a lot of people don’t. A lot of people get frustrated with this critical step, and never get going as a result.

While the info in the guide is not your only options, it does give you insight and point you in the right direction. Too much information is never a bad thing!

I invite you to create your own research on top of this guide, and hopefully this content will give you ideas on where to look.

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