Scripts/Financial Services

Credit Repair Cold Calling Script

Word-for-word credit repair cold calling script. Includes objection handlers for booking credit consultations.

Conversion Rate
10%
Avg Duration
5-7 minutes
Dials/Appt
10-12 dials
Best Time
Monday-Friday, 4pm-8pm, Saturday 10am-2pm

1The Opener

Hi, is this {{prospect_name}}?

Hey {{prospect_name}}, this is {{your_name}} with {{company_name}}. We're a credit repair company that helps people improve their credit scores.

I'm reaching out because {{reason_for_call}}. Do you have a few minutes to chat about your credit situation?

2Discovery & Pitch

Great! Let me ask—have you checked your credit score recently? Do you know where it stands?

[LISTEN - Understand their current situation]

And what's your goal—are you trying to buy a house, get a car, lower your interest rates, or something else?

[LISTEN - Identify their motivation]

How long have you been dealing with credit challenges?

[LISTEN]

Got it. Here's why I'm calling: we've helped thousands of people just like you improve their credit scores and achieve their goals.

What we do is {{service_description}}. Our average client sees {{results_stat}} within {{timeframe}}.

Would you be open to a free credit consultation? I can review your situation, identify what's hurting your score, and explain exactly how we can help.

3Objection Handlers

Click an objection to see the response. Practice these until they're automatic.

Your Response

You absolutely can—the laws allow it. But do you know the specific dispute strategies and legal frameworks? Do you have time to research and send multiple letters? Most people find it overwhelming. We handle everything for you.

4Closing Options

Would you like a free credit consultation?

Let me review your credit report and show you what we can do. When works?

Can I schedule a call to go over your options?

Let's take a look at your situation. Are you free {{day}}?

Voicemail Script

Hi {{prospect_name}}, this is {{your_name}} with {{company_name}}.

We're a credit repair company, and I'm calling because {{reason_for_call}}.

We've helped thousands of people improve their credit scores and achieve their financial goals. I'd love to offer you a free credit consultation.

Call me back at {{your_phone}}. Again, {{your_phone}}. Let's get your credit on track!

Variables to Customize

{{prospect_name}}Prospect's name
{{your_name}}Your name
{{company_name}}Your company name
{{reason_for_call}}Lead source or reason
{{results_stat}}Average results
{{timeframe}}Typical timeframe
{{price_range}}Price range
{{day}}Suggested day
{{time}}Suggested time
{{your_phone}}Your phone number

Perfect For

  • Credit repair companies
  • Credit counseling agencies
  • Financial services firms with credit offerings
  • Mortgage companies with credit repair divisions

Not Ideal For

  • Companies without proper licensing
  • Those making unrealistic promises

Pro Tips

Always be compliant with CROA regulations

Lead with empathy—credit issues are emotional

Focus on their goals, not just their score

Have success stories ready to share

Offer free consultations as your lead magnet

Follow up consistently—credit decisions take time

Common Mistakes

Making guarantees or promises

Not asking about their goals and motivation

Focusing only on the negative

Not explaining the process clearly

Practice Exercises

1

Practice explaining the dispute process

2

Role-play the 'I can do it myself' objection

3

Rehearse compliance language

4

Practice empathetic listening

Tone & Delivery

Empathetic and professional. Credit issues are embarrassing for many people. Be supportive without being condescending. Show that you've helped people in their exact situation.

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