Credit Repair Cold Calling Script
Word-for-word credit repair cold calling script. Includes objection handlers for booking credit consultations.
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 numberPerfect 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
Practice explaining the dispute process
Role-play the 'I can do it myself' objection
Rehearse compliance language
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.
Scripts Are Just Words Without the Reps
We make thousands of calls every week. Let us handle the prospecting while you close deals.
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