Advertising or contracting for credit repair? Know what makes the offer risky before you publish or sign.
Paste your credit-repair wording. Get a severity-ranked pre-check against CROA — guaranteed score claims and new-credit-identity schemes, upfront fees charged before the work is done, missing “dispute it yourself for free” disclosures, and contracts with no three-business-day cancellation right — before a credit-repair offer becomes an FTC or state-AG problem.
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Key Takeaways
- Credit-repair wording vs published CROA duties, severity-ranked.
- Actionable fix checklist — never a silent rewrite or auto-publish.
- Honesty: a heuristic pre-check — not a credit-repair compliance certification.
Credit-repair wording first. CROA duties next.
Decision-support credit-repair ranks — not a certification and not a legal audit.
CreditRepairPrecheck — definition
CreditRepairPrecheck pre-checks a for-profit credit-repair offer and its contract against the Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.) — the § 1679b ban on misrepresentations and on charging before the service is performed, the § 1679c consumer-rights disclosures, and the § 1679d written-contract and three-business-day cancellation duties — returning a scored, severity-ranked report with concrete edits before you publish or sign.
What this is NOT
- Not a credit-repair-compliance certification, a license, or a compliance guarantee.
- Not a fee-timing or contract-delivery verifier — whether fees were charged only after performance and whether the rights summary was delivered is an advisory checklist item, never looked up.
- Not a substitute for legal review of FTC, CROA, FCRA, or state-law obligations.
Controller / Processor — When packs mention privacy roles, we use GDPR Art.4 labels: Controller and Processor (decision-support only).
Offer published. Credit-repair practice challenged.
Guaranteed results & new identities
A “guaranteed score increase,” a promise to delete accurate negative items, or a “new credit identity / TIN” scheme is the core prohibited representation under CROA 15 U.S.C. § 1679b — and it also runs into the credit-reporting statutes. No lawful credit-repair firm guarantees an outcome.
Charging before the work is done
§ 1679b(c) bars a credit-repair organization from charging before the service is performed to the consumer’s satisfaction. Upfront, enrollment, setup, or non-refundable fees collected in advance are the most-enforced CROA violation.
Missing consumer-rights disclosure
§ 1679c requires a written statement, before signing, that the consumer may dispute inaccurate information themselves at no cost and that the firm is not affiliated with any government agency. Offers that sell the service without these disclosures omit a mandatory notice.
A contract with no cancellation right, or a void waiver
§ 1679d requires a written, signed contract with specified terms and a three-business-day right to cancel; § 1679e voids any waiver of the consumer’s CROA rights. “Non-refundable, no cancellation” terms are both unlawful and unenforceable.
Paste. Scan. Fix.
Severity-ranked findings from your credit-repair wording against published CROA duties — including which claim to drop and which fee or contract term to fix before it ships.
Credit-repair findings
Guaranteed-score and new-identity claims, government-affiliation hints, advance fees, missing rights disclosures, and contract / cancellation gaps, each with quoted evidence.
Severity ranks
High / medium / low so you fix the FTC-ready gaps first.
Fix checklist
Actionable edits — you still own the final copy.
Copy-ready report
Markdown you can paste into a ticket or campaign thread.
Everything you need for a credit-repair pre-check
Built for credit-repair firms and agencies drafting offers and contracts against CROA.
Offer and contract signal detection
Guaranteed-score and new-identity claims, government-affiliation hints, advance fees, missing rights disclosures, and contract / cancellation gaps, each with quoted evidence.
Severity-ranked output
High / medium / low so you fix the FTC-ready gaps first.
Fix checklist included
Actionable edits — you still own the final copy.
Copy-ready
Markdown you can paste into a ticket or campaign thread.
From paste to pre-check report in 3 steps
Paste the wording
The exact offer, ad, landing, or contract wording — plus claim type, channel, and contract state.
Scan
Deterministic engine ranks findings by severity and checks each credit-repair signal for the disclosure, fee, or contract term CROA expects.
Review
You edit the copy. CreditRepairPrecheck never rewrites or publishes.
Paste. Scan. Fix.
Severity-ranked findings from your credit-repair wording against published CROA duties — including which claim to drop and which fee or contract term to fix before it ships.
Guaranteed results & new identities
A “guaranteed score increase,” a promise to delete accurate negative items, or a “new credit identity / TIN” scheme is the core prohibited representation under CROA 15 U.S.C. § 1679b — and it also runs into the credit-reporting statutes. No lawful credit-repair firm guarantees an outcome.
Credit-repair findings — Guaranteed-score and new-identity claims, government-affiliation hints, advance fees, missing rights disclosures, and contract / cancellation gaps, each with quoted evidence.
CROA duties · deterministic fee & contract logic · human review
Paste your credit-repair wording with claim type, channel and contract state. Deterministic severity ranks first, each credit-repair signal checked for the disclosure, fee rule, or contract term CROA expects. Optional AI never invents findings. You review before publishing.
Read the methodology →Paste-first credit-repair reports — not a compliance suite
| # | CreditRepairPrecheck | Manual CROA reading / banned-word lists |
|---|---|---|
| 1 | Wording vs credit-repair duties in one paste | Hours reading statute explainers |
| 2 | Severity-ranked fix list with fee & contract logic | Scattered checklist notes or an FTC letter |
| 3 | Self-serve from $19/mo | Enterprise compliance suites |
| 4 | Decision-support only | May over-promise approval guarantees |
Methodology before you ship
AI draft · human review · decision-support only.
Read methodology →Open studioTry it on this page
or generate below.
Saved history
Built for credit-repair, marketing and compliance teams
Capability cards describe the studio. No fabricated customer counts.
A pasted credit-repair offer becomes ranked findings against published CROA duties.
Claim type, channel and contract state tune how aggressively guarantee, advance-fee and cancellation risks escalate.
Every finding ships a suggested edit — you still decide.
Simple plans that scale
All paid plans include
- Credit-repair compliance pre-check studio
- Severity-ranked export
- Rule-based checks (decision-support)
- Email support on paid plans — no hidden add-ons for core studio use
- Limited AI checks: 3/day · 15/mo (fair use)
- Studio demo (no extra LLM fee)
- AI included: 40 runs/day · 300/mo (fair use)
- No separate ChatGPT subscription required
- Priority support · 2 months free with yearly
Feature comparison
What each plan includes — quotas reflect the enforced fair use limits.
| Dimension | Free | Pro | Enterprise |
|---|---|---|---|
| Usage | |||
| AI runs | 3/day · 15/mo | 40/day · 300/mo | 200/day · 3,000/mo |
| Report export | Watermarked | Clean export | Clean export |
| Audit log | Not included | ✓ Included | ✓ Included |
| Product | |||
| Misrepresentation: “guaranteed” score increases, promises to delete accurate items, or a “new credit identity / TIN” scheme, caught against § 1679b | ✓ Included | ✓ Included | ✓ Included |
| Government affiliation: implying federal/state approval or endorsement — prohibited under § 1679b and contradicted by the § 1679c non-endorsement duty | ✓ Included | ✓ Included | ✓ Included |
| Advance fee: charging, enrollment, setup, or non-refundable fees before the service is performed to the consumer’s satisfaction (§ 1679b(c)) | ✓ Included | ✓ Included | ✓ Included |
| Missing disclosure: no “you may dispute inaccuracies yourself at no cost” / no consumer-rights summary before signing (§ 1679c) | ✓ Included | ✓ Included | ✓ Included |
| BYOK (your LLM key) | Not included | Not included | ✓ |
| SSO | Not included | Not included | Roadmap |
| Support & compliance | |||
| Support | Community | Priority | Custom SLA |
Already paid? Unlock Pro with your license
Licenses are issued manually after your payment is confirmed: we generate one per paid order and send it to the purchase email, typically within a few hours. Enter it below to activate Pro on this device — no account needed. Nothing yet? Write to lixingliangsy@163.com and reference your order email.
Your questions, answered
What does CreditRepairPrecheck check?
A scored, severity-ranked pre-check of one pasted credit-repair advertising or contract wording against the duties the Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.) sets — decision-support drafts, never a legal opinion.
Does a good score mean my credit-repair offer is compliant?
No. Lawfulness depends on the real conduct — whether you actually charged only after performing the service, delivered the required disclosures, and used a compliant written contract — outside what any text checker can see. CreditRepairPrecheck only flags the published duties present in the wording you paste.
Can I cancel anytime?
Yes. Self-serve plans cancel anytime; access continues until period end.
Do I need a credit card to start?
No. Start with email signup or Demo mode in the studio, then upgrade when ready.
Do I need my own ChatGPT / OpenAI subscription?
No for Free/Pro. AI runs are included in your plan (fair use) via our platform key. Enterprise can optionally bring your own OpenAI key (BYOK) — configure it at /settings (key stays server-side only).
What is Fair Use / what if I hit the AI limit?
Free includes 3 AI checks/day and 15/month. Pro includes 40/day and 300/month. At the fair-use limit the studio returns a clear QUOTA_EXCEEDED notice with the reset time — the Rule-based demo keeps working; Enterprise BYOK covers heavier volume.
Is checkout secure?
Payments are processed by Waffo Pancake (merchant of record).
What happens after I pay?
You receive access confirmation; fulfillment is tracked via webhook + order logs.
Quick answers
- Ranked findings per run
- CROA aware
- Guarantee, advance-fee and contract gaps flagged
- Copy-ready
- Pricing starts at $0 (Free).
More questions
What inputs?
The credit-repair advertising or contract wording (the exact text), the claim type, the channel it appears on, the contract state, and strictness.
Credit-repair certification?
No. Heuristic pre-check — not a credit-repair-compliance certification, not a license, and not legal advice.
What comes back?
Ranked findings with quoted evidence — guaranteed-score and new-identity claims, government-affiliation hints, upfront fees, missing consumer-rights disclosures, and contract / cancellation gaps — plus a fix checklist; always review.
Demo or live?
Demo is labelled; live wording needs a configured AI key.
Who is it for?
Credit-repair and credit-repair-adjacent firms, marketing teams, and agencies drafting offers or contracts who want to catch CROA wording gaps before publishing.
Primary sources?
Your pasted wording and the CROA statute (15 U.S.C. §§ 1679-1679j). CROA has no separate CFR rule; 16 CFR Part 310 is the Telemarketing Sales Rule, not the credit-repair standard.
Is 16 CFR Part 310 the credit-repair rule?
No. Part 310 is the FTC’s Telemarketing Sales Rule. Credit repair is governed by CROA (a statute). Phone sales add the TSR advance-fee rules and many states license credit-repair firms — surfaced as labeled advisories, not quoted.
Does it verify fee timing or the delivered contract?
No — deliberately not. It never checks whether fees were actually charged only after performance, whether the rights summary was delivered, or whether the contract actually has every term; those facts live outside the text.
How it compares
| Dimension | Manual | CreditRepairPrecheck |
|---|---|---|
| Speed | Hours reading CROA explainers | Seconds per credit-repair ad / contract draft |
| Consistency | Varies by reviewer memory | Same CROA § 1679b/c/d duties every run |
| Output | Free-form checklist notes | Structured pre-check report |
| Best for | Final sign-off | Pre-flight QA per credit-repair offer |
When not to use: Skip it when you need a lawyer’s opinion on FTC or state-AG exposure, verification that fees were only charged after performance, confirmation that the rights summary was delivered or the contract is complete, or automated publishing. This only pre-checks the credit-repair wording you paste.
- Where credit-repair offers get challenged — The places credit-repair advertising and contract wording quietly trips the published CROA duties.
- Credit-repair checks that people do not learn to ignore — What to block on, what to warn on, and what to leave alone.
- What a credit-repair pre-check cannot see — The honest boundary between risky wording and a challenged credit-repair program.
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