For licensed loan officers, brokers & agents only.
Your 30-second intro video
Your declined files can still close with you.
I help your clients with challenging credit get mortgage-ready, then send them back to you to close. You keep the client. I handle the credit work.
Looking for help with your own credit? Go here instead.
- Borrower
- J. & M. Carter
- Mid score
- 571
- Purchase
- $318,000
- Status
- Credit decline
- Loan Officer
- You
Sample file for illustration
"Call me when your credit's better."
They never call back.
You paid to find that buyer. You pulled credit, built the file, and had to say 'not yet.' Then they disappear, or they fix their credit on their own and close with the Loan Officer down the street.
Every credit decline is a commission you already paid to find. I plug that leak and send the client back to the person who found them: you.
What are your declines worth?
Your best guess. If 1 in 5 came back, that's 20%.
Illustration only, based on the numbers you enter. Not a promise of results.
You send. I rebuild. You close.
You send the client
Introduce a borrower you had to decline or delay for credit. With their consent, I get their reports and goals.
I do the credit work
I build a written plan, work the file, and keep you updated so you always know where your client stands.
They come back to you
When the client is mortgage-ready, I send them straight back to you to re-run the file and close the loan.
The declined borrower handoff kit
Everything you need to refer in under two minutes, without losing the client.
One-minute referral form
Send me a client from your phone
The 'not yet' script
What to say when you decline a client so they stay yours instead of shopping around.
Progress updates
Regular check-ins on every client you send, so you know when to plan the re-pull.
A credit repair partner that you can trust with Great results and full transparency.
Plenty of Loan Officers have been burned by sketchy credit repair outfits. Here's how I operate.
- ✓
No referral fees. No kickbacks.
We don't charge our partners for helping them close
- ✓
Client consent on every file
Every client signs a written agreement and authorizes any information shared with you.
- ✓
You keep the client
Once we Clean up your clients report we send them right back to you which will increase your closing rate
- ✓
Progress updates sent to you
You'll know when your client is getting close.
- ✓
No promises I can't keep
No guaranteed scores or approvals. A documented process and honest timelines.
Andre Bryan · Decline Proof LLC
Andre Bryan
For over 9 years, I've helped clients with challenging credit rebuild their profiles and qualify for mortgages, personal loans, and business credit. I work alongside loan officers as an extension of their team, taking the clients they can't approve yet, restoring their credit and keeping them updated every step of the way until their client is ready to close.
years in credit restoration
clients helped
Declined, then closed.
What licensed loan officers and mortgage lenders say about sending their declines to Andre Bryan and Decline Proof.
"I used to tell buyers to 'work on credit and call me later.' They never did. Andre took 4 of my hard declines last quarter, rebuilt their files with clear milestones, and sent 3 right back to me. All 3 closed."
Marcus Vance
Senior Loan Officer, Apex Home Loans, Atlanta, GA
"The compliance piece was my biggest worry with credit partners. Decline Proof gave me written agreements, and weekly status updates with clients, Andre is very organized and professional. The borrower never felt shopped around."
Elena Rodriguez
Mortgage Broker & Branch Manager, CrossCountry Mortgage Partner, Dallas-Fort Worth, TX
"Andre is very transparent and straightforward. He stayed strictly on the credit rebuild and literally walked the borrower right back to my origination desk the day scores cleared 710. Im glad to have him as a tool."
Derek Chen
Producing Branch Manager, Cornerstone Funding, Phoenix, AZ
Clients Results
Real score jumps, dispute deletions, and timeline progress reports from borrowers rebuilt and returned to their loan officers.
Score Increase
+144 Pts Experian · 719 Mid-Range
Score Increase
+176 Pts Equifax · 29 Deletions
Score Increase
+189 Pts Experian · 34 Deletions
Score Increase
+105 Pts TransUnion · 47 Deletions
Results shown are individual examples from partner loan officers and real borrower reports, not typical or guaranteed.
Built exclusively for purchase-focused producers.
- ✓You're a licensed loan officer, broker, or real estate agent
- ✓You decline or delay clients for credit every month
- ✓You want those clients to close with you later
- ✓You want a partner who keeps you in the loop
Start sending me your declines.
Answer four quick questions. If it's a fit, you'll pick a time on Andre Bryan's calendar for a 15-minute partner intro call to see exactly how files are handled.
- Takes under 60 seconds — 4 quick taps plus contact info.
- Direct 1-on-1 intro — 15 minutes with Andre Bryan, Founder of Decline Proof.
Which best describes you?
Before you refer.
Stop losing deals to credit.
More closings from the leads you already have.