# CreditRepairPrecheck — llms-full.txt

CreditRepairPrecheck pre-checks for-profit credit-repair advertising and contract wording against the
Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.). A heads-up, not a credit-repair-compliance
certification.

## What it does
- Paste credit-repair offer / ad / landing / contract wording
- Deterministic scan: misrepresentation & government-affiliation claims (§ 1679b), advance fees before
  performance (§ 1679b(c)), missing consumer-rights disclosures (§ 1679c), contract defects and the
  three-business-day cancellation right (§ 1679d), and void rights-waivers (§ 1679e)
- Scored, severity-ranked findings + fix checklist
- Optional AI polish of wording only — never invents findings

## What it does not do
- Not a credit-repair-compliance certification, a license, or legal advice
- No fee-timing, contract-delivery, state-license, or certification lookup
- No enforcement prediction; no auto-publish

## FAQ
A1. A micro SaaS that pre-checks the credit-repair advertising or contract wording you paste against the
published CROA duties and returns a scored report with concrete suggested edits.

## Policy references (snapshot 2026-10-25; Cornell LII mirror of the U.S. Code, each fetched HTTP 200 with
## credit-repair body content this build)
- https://www.law.cornell.edu/uscode/text/15/1679
- https://www.law.cornell.edu/uscode/text/15/1679a
- https://www.law.cornell.edu/uscode/text/15/1679b
- https://www.law.cornell.edu/uscode/text/15/1679c
- https://www.law.cornell.edu/uscode/text/15/1679d
- https://www.rfc-editor.org/rfc/rfc2119
- 16 CFR Part 310 is the Telemarketing Sales Rule, not the credit-repair standard; it is not cited here as
  the CROA rule (only a labeled phone-channel advisory). State credit-repair licensing law is advisory only.

## Blog
- https://creditrepairprep.lxsaihub.com/blog/read/why-credit-repair-ads-get-challenged-under-croa
- https://creditrepairprep.lxsaihub.com/blog/read/precheck-every-credit-repair-offer-before-publishing