For profit "credit repair" is a bad word among regulators and the landscape is littered with businesses who have been shuttered and sanctioned for this type of business model. Compare this to licensed and sanctioned Consumer Credit Counseling Services which involve licensed non-profit counseling agencies who use legitimate/proven strategies to work with creditors, establish payment plans, provide consumer education, among other services.
There are a lot of illegitimate and illegal repair strategies these companies employ when using FCRA , FACTA and ECOA provisions do not achieve desired results.
Tread carefully with your partners in this area. You assume some of the liability for that company's actions if you are making referrals.
Can your company collect a fee for performing work on behalf of a non-loan customer? Yes, as long as you are not also collecting another fee from the same customer.
Can the loan originator working for you collect a referral fee for his work with you? This likely creates illegal compensation structures, as MLOs cannot collect fees outside structured compensation plans. So while it's not outside compensation on a declined loan, LO Comp rules prevent the originator from receiving compensation directly from the consumer.
Anytime there are referrals between settlement service providers, there is the potential for kickback violations. If your customer is declined, and will not receive a loan from you, that may work so long as the fee is paid to the company and not the loan originator.