Turn Your Credit Score Into $10K–$100K
Partner your excellent credit with our real estate portfolio. Earn a lump-sum payout with non-recourse protection — no cash investment, no repayment.
Want to be a credit partner but have negative items on your credit?
Fix your credit free in 5 minutes or lessHow the Partnership Works
A transparent, five-step process designed to protect your interests while maximizing your payout.
We Own the Asset
Our LLC holds income-producing real estate properties — the foundation of every partnership.
We Refinance (DSCR)
We initiate a DSCR loan qualified by the property's cash flow, not your personal income.
You Co-Sign
Your excellent credit helps secure better loan terms. The loan is held in a separate LLC.
Better Terms = Savings
Your credit score unlocks lower interest rates, generating significant savings on the loan.
We Share Savings
You receive $10K–$100K as a lump-sum payout at closing. Guaranteed in writing.
What You Get as a QVA Credit Partner
Most people never realize their credit score could unlock this much value. Here's everything included when you become a credit partner.
$10,000–$100,000 Payout
$35,000Average partner earns $35K per deal
Non-Recourse Protection
$10,000+Your personal assets are never at risk
Legal Document Review
$2,500Independent attorney reviews all paperwork
Dedicated Partnership Manager
$5,000Personal support throughout the process
Credit Monitoring & Support
$500/yrWe track your credit health during partnership
Priority Access to Future Deals
ExclusiveFirst look at new partnership opportunities
🔒 44 people applied this month · ⭐ 4.9/5 average partner rating
Real Properties. Real Value.
Every partnership is backed by tangible, income-producing real estate. These are actual properties in our portfolio.
Luxury Coastal Property
Executive Estate
Multi-Unit Commercial
Oceanview Residence
Suburban Investment Home
Income Property
Multiple Layers of Security
Our partnership is engineered with multiple layers of protection. We use Non-Recourse DSCR loans held within a separate LLC, meaning your home, car, and savings are legally firewalled from the deal.
Non-Recourse Protection
The lender can only seize the property in a default — never your personal assets.
Separate LLC Structure
The loan and property are held in a corporate entity, creating a legal firewall.
DSCR Loan Qualification
The loan qualifies on the property's cash flow, not your personal income.
Formal Legal Agreement
Your payout is guaranteed in writing and delivered at closing.
Watch the Full Explainer
Get a detailed walkthrough of the partnership process, protections, and how your payout is calculated.
Do You Qualify?
We're looking for credit partners who meet the following criteria. If you qualify, you could earn a significant payout with minimal effort.
Trusted by Credit Partners Nationwide
Real people. Real results. See how credit partners are earning $10K–$100K through strategic real estate partnerships.
Sarah M.
Atlanta, GA
"I was skeptical at first, but after my attorney reviewed everything, I realized this was legitimate. I earned $11,200 in 45 days. My credit score actually IMPROVED during the partnership."
Marcus T.
Phoenix, AZ
"As a teacher, I never thought my credit score could generate this kind of income. The QVA team walked me through every step, and the non-recourse protection gave me complete peace of mind."
Jennifer L.
Dallas, TX
"I've been in finance for 15 years and I've never seen a program like this. The transparency, the legal protections, and the payout exceeded my expectations. This is how smart people leverage credit."
Everything You Need to Know
We believe in complete transparency. Here are the questions we get asked most often, answered honestly and in detail.
This is the #1 question we get, and it's the right one to ask. Every partnership is structured as a **non-recourse loan**. This means if the property underperforms or the loan defaults, the lender can only take the property itself — NOT your personal assets, bank accounts, or other property. You're legally protected. Additionally, we only partner on properties that are already cash-flowing and have been vetted by our underwriting team. We also pay for an independent attorney to review all documents before you sign.
Still have questions? We're here to help.
Schedule a Free Consultation →Earn $5,000 for Every Credit Partner You Refer
Know someone with excellent credit? Introduce them to QVA Holdings and earn a flat $5,000 referral fee when they complete a partnership. Plus, you can negotiate any additional fee directly with them.
$5,000 Per Referral
Flat fee paid to you when your referral completes a partnership
Negotiate Your Own Terms
You're free to negotiate any additional fee directly with the credit partner
No Limit on Referrals
Refer as many qualified partners as you want — earn $5K each time
Simple Qualification
Your referral just needs a 740+ credit score and to meet our basic criteria
How the Referral Program Works
Know Someone with Great Credit?
Anyone with a 740+ credit score who's not using it to earn income
Share the Opportunity
Send them to qvaholdings.com or have them mention your name when applying
They Complete Partnership
Once they close on a credit partnership deal with QVA Holdings
You Get Paid $5,000
We send you $5,000 within 7 days of their partnership closing
Apply for the Credit Partnership
Submit your information below and our team will reach out within 24 hours to discuss the partnership opportunity and answer any questions.
Frequently Asked Questions
Is this a loan I have to repay?
No. The payout you receive is a profit share from the savings generated by your credit partnership. It is not a loan and does not require repayment.
What happens if the property defaults?
All our loans include non-recourse protection. This means the lender can only seize the property itself — they are legally prohibited from pursuing your personal assets, including your home, car, or savings.
Will this appear on my credit report?
The loan is held within a separate LLC or Trust entity. This corporate structure means the loan does not appear as a direct personal liability on your credit report.
How much can I earn?
Payouts range from $15,000 to $100,000+ depending on the property value, loan terms, and the savings your credit score helps generate. Your exact payout is guaranteed in writing before you commit.
What credit score do I need?
We require a minimum credit score of 740. Higher scores typically unlock better loan terms and larger payouts.
When do I get paid?
Your payout is delivered as a lump sum at the closing of the real estate deal. The timeline is typically 30–60 days from partnership agreement.