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The Compliant Credit Repair Playbook

Ten chapters on running a credit repair or credit counseling business that follows federal and state law — contracts, billing, disputes at scale, recordkeeping — and how CheckDispute Business carries the routine work.

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What you will learn

What CROA requires before you charge a client anything
State registration, bond and disclosure rules — with a 40-state appendix
Client intake, written authorization and the three-day cancellation
Dispute operations: specificity, evidence, mail and honest timelines
Billing rules that keep you clear of the advance-fee prohibition
Complaint handling, records and the retention periods states expect

What is inside

Chapter 1: The business of disputes: what the law allows and where firms go wrong
Chapter 2: The Credit Repair Organizations Act in practice: disclosures, contracts, cancellation and the advance-fee ban
Chapter 3: Marketing and sales rules: telemarketing, endorsements and claims you can and cannot make
Chapter 4: State credit services organization laws: registration, bonds, contracts and cancellation notices
Chapter 5: Onboarding clients the right way: intake, identity, consent, data handling and e-signed contracts
Chapter 6: Dispute operations that hold up: accuracy first, bureau versus furnisher routes, the Regulation V exception and no repeated rounds
Chapter 7: Letters, evidence packets, templates and customization — mail, tracking and notarization
Chapter 8: Billing without breaking the law: charge after performance, holds and captures, refunds, chargebacks and sales tax
Chapter 9: Records, audits and complaint handling
Chapter 10: Running it on CheckDispute Business: team, clients, calendar, bulk letters, pricing and the partner program
Appendix A: 50-state credit services organization table (registration, bond, cancellation days, advance-fee rule, citation)
Appendix B: compliance checklists and a glossary

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About the author

Written by the CheckDispute team — the same people who build the letter and dispute tools this book walks through. Reviewed against the federal statutes and official consumer guidance it cites.