Credit Repair
Credit Repair Can Be Banked — When the File Is Built Right
Credit repair sits on nearly every prohibited-industries list in mainstream payments, largely because of how the worst operators behaved. Firms that follow CROA and the Telemarketing Sales Rule deserve better than guilt by association.
The Problem
Priced for the industry's worst actors
Acquirers associate credit repair with advance-fee violations, unsubstantiated promises, and chargebacks from disappointed customers, so most decline the category outright. The Telemarketing Sales Rule's restrictions on when fees may be charged make billing-model design a compliance question, not just a revenue one. Firms that bill correctly still inherit the category's reputation at underwriting.
What We Deliver
The working parts
01
Billing-model review against TSR and CROA
We review when and how you charge — setup fees, monthly billing, pay-after-results — against the rules that govern credit repair billing before the application goes in.
02
Placement with acquirers open to the category
We maintain relationships with banks that underwrite compliant credit repair rather than rejecting the merchant category on sight.
03
Marketing-claims audit
A pre-underwriting pass over your website and scripts for guarantee language and outcome promises that would sink the file or invite disputes.
04
Chargeback management for service billing
Dispute alerts and evidence workflows suited to recurring service billing, where dissatisfaction disputes outnumber fraud.
05
Documentation package assembly
Contracts, cancellation policies, and compliance attestations organized into the file underwriters actually want to see from this category.
Also in High-Risk Expertise
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