By R. Lawrence Anderson
If you are an affiliate looking for a niche market, here’s an
important piece of information to make note of:
In 2005 there were over 2 million personal bankruptcy filings
in the United States.
Many of these individuals will be looking to rebuild their
credit and financial future. This spells opportunity for you
an affiliate. You see, here are just a few products and
that an individual with past bankruptcy will need in order to
rebuild their credit and financial future:
1) Credit repair
3) Credit cards
Let’s take a look at each one in more detail, and how you can
help as an affiliate:
1) Credit repair
One of the first things someone with a discharged bankruptcy
their credit report will want to do is clean up their credit
report and increase their credit score. The problem is that
many people simply don’t know how.
As an affiliate, you can help by connecting them with various
“credit repair” related resources. By the way, when referring
to “credit repair” I mean the removal of any inaccurate or
obsolete negative information from an individual’s credit
report - not accurate, non-obsolete negative information.
So what type of credit repair resources can you refer them to?
Credit repair books, services, and software programs are an
example – but as an affiliate you only want to represent
You don’t have to limit yourself to just one avenue when it
comes to credit repair resources – for example, some of your
visitors may want to take the “do it yourself” route and
a credit repair book. Others may want to do less work and opt
for credit repair software. Finally, others may want to hire a
service to help them. Why not include affiliate links to all
If you can find services, with an affiliate program, that
specialize in credit repair advice for those with a bankruptcy
that’s even better. The same with books, for those visitors
that want to take the "do it yourself" route to rebuild their
credit. For example, my ebook “After Bankruptcy Credit
Solutions” has such an affiliate program.
For a number of people, being able to qualify for a loan after
bankruptcy is critical. Fortunately, there are a lot of
out there who work with individuals that have had a
Even better, many of these lenders have an affiliate program.
Here is a just a sample of the types loans that individuals
with a past bankruptcy may be looking for: Personal loans,
loans, auto loans, refinancing, etc. When researching a
affiliate program, see what type of loans they offer.
Just like credit repair, when it comes to loans, you can offer
visitors a number of options: Links (with your affiliate ID#)
to lenders, books on how to qualify for loans, and membership
sites that provide a listing of “bad credit” lenders. Again,
an affiliate you have a lot of choices.
3) Credit Cards
There are a number of credit card affiliate programs out there
–and many of the credit card programs target people with bad
Your affiliate website could list a number of credit card
programs for people with a past bankruptcy. Best of all,
secured credit cards (those that require the customer to open
special savings account that acts as collateral for the line
credit) tend to have a high approval rate – which is good news
for your visitors that have a bankruptcy on their credit
You’ll notice that I have been talking about giving your
visitors options when it comes to each item we’ve covered –
credit cards are no different. In addition to links to credit
card issuers (with your affiliate ID#), you can also include
affiliate links to related books and membership sites. As
mentioned before, research company and offer carefully before
joining their affiliate program.
Okay, we’ve looked at the various products and services you
offer your visitors as an affiliate, but aren’t there a
lot of websites out there marketing to individuals with “bad
credit”. Yes there are, but a lot fewer that specialize in
marketing to those with a past bankruptcy – which means less
competition for you as an affiliate.
In this article we looked at the growing “after bankruptcy”
niche market. Hopefully it has given you some ideas that you,
as an affiliate, can use to build a new income stream - while
helping those with a past bankruptcy in the process.
Copyright (c) 2006 Innovative Solutions Publishing, Inc. All
This information is designed to provide only a general
of the subject matter herein.
This information is provided with the understanding that
neither the publisher nor author is engaged in rendering
accounting or other professional advice. If legal or other
expert assistance is required, the services of a professional
should be sought.
Neither the publisher nor author shall be liable for any loss
or damages, including but not limited to special,
consequential, incidental or other damages, caused by the
information contained herein.
About The Author: R. Lawrence Anderson is author of After
Bankruptcy Credit Solutions, which shows individuals how to
qualify for credit and loans after bankruptcy. For details
about the affiliate program, please visit: