Gordon
Let's get real about lead credits. There is no such thing. If you like the way it sounds and you believe that you are getting lead credits so be. That proves your mental mindset.
At 295 per thousand for direct mail can't be beat.
You pay per lead with SL, direct mailers 25, 35 for those tv leads. There is plenty of FMOs that offer lead credits based on production. In fact there is a couple companies that pay 100% of your lead 1k lead drop for every 3k in prem.... 295 is stadard by the way, Monuemental offers there own lead program at that.