# CreditRepairPrecheck - llms.txt

> LLM-readable manifest. Features-only; no fabricated traffic claims.

## Entity
- Product of: LX AI Micro-SaaS Factory
- Product site: https://creditrepairprep.lxsaihub.com/
- Hub: https://lxsaihub.com/tools/creditrepairprep.html

## Positioning
- Product name: CreditRepairPrecheck
- One-line: Pre-check a pasted credit-repair advertising or contract wording against the Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679 et seq.); get a scored, severity-ranked report — "guaranteed" score increases and "new credit identity / TIN" schemes, fees charged before the work is done, missing "dispute it yourself for free" consumer-rights disclosures, and contracts with no three-business-day cancellation right — in 60 seconds.
- Honesty: Heuristic pre-check — not a credit-repair-compliance certification, not a license, and not legal advice. No fee-timing, contract-delivery, state-license, or enforcement verification performed. Whether a fee was actually collected only after performance and whether the disclosures were actually delivered live outside the text.

## Checks
- Misrepresentation — a "guaranteed" score increase, a promise to delete accurate or specific negative items, or a "new credit identity / fresh credit file / new TIN/EIN" scheme (15 U.S.C. § 1679b)
- Government affiliation — an implied federal/state approval or endorsement (§ 1679b / § 1679c); the required non-endorsement line is treated as a disclosure present, never a claim
- Advance fee — charging, enrollment, setup, or non-refundable fees taken before the service is performed to the consumer's satisfaction (§ 1679b(c))
- Missing disclosure — no "you may dispute inaccuracies yourself at no cost" notice and no written consumer-rights summary before signing (§ 1679c)
- Contract defect — no written, signed contract, missing material terms, or no three-business-day right to cancel (§ 1679d); void waivers of CROA rights (§ 1679e)
- Claims-context advisories — phone-channel Telemarketing Sales Rule note, legal-services boundary, FCRA and state-licensing backdrop — labeled, never scored

## Policy references (snapshot 2026-10-25; each fetched HTTP 200 with credit-repair body content this build, via the Cornell LII mirror of the U.S. Code)
- CROA — Findings and purposes (15 U.S.C. § 1679): https://www.law.cornell.edu/uscode/text/15/1679
- CROA — Definitions (15 U.S.C. § 1679a): https://www.law.cornell.edu/uscode/text/15/1679a
- CROA — Prohibited practices, incl. § 1679b(c) advance-fee ban (15 U.S.C. § 1679b): https://www.law.cornell.edu/uscode/text/15/1679b
- CROA — Disclosures (15 U.S.C. § 1679c): https://www.law.cornell.edu/uscode/text/15/1679c
- CROA — Credit repair organizations contracts (15 U.S.C. § 1679d): https://www.law.cornell.edu/uscode/text/15/1679d
- RFC 2119: https://www.rfc-editor.org/rfc/rfc2119
- Anchor correction: 16 CFR Part 310 was checked this build and its LII title is the TELEMARKETING SALES RULE (credit-repair keyword hits = 0). It is NOT the credit-repair standard and is not cited here as one — the federal backbone is the CROA statute above. § 1679e (void waivers) is referenced by name.
- Note: the eCFR canonical `/current/*` pages 302-redirect to a bot-unblock interstitial (HTTP 200 but the body is the block page), and ftc.gov returns 403 from this build's network; those are excluded and documented (see lib/rules/SOURCES.md), cited instead via the LII mirror above. State credit-repair licensing and registration regimes, the FCRA, and non-US regimes are advisories only, not quoted.

## FAQ
Q1. What is CreditRepairPrecheck?
A1. A micro SaaS for pre-publish credit-repair checks: paste the credit-repair ad or contract wording, get quoted findings by severity, a 0-100 risk score, and a fix checklist before you publish or sign.
Q2. Will a high score make my credit-repair offer legal?
A2. No. Whether a fee was actually collected only after performance and whether the disclosures were actually delivered depend on facts outside the wording any text checker can see.
Q3. Is 16 CFR Part 310 the credit-repair rule?
A3. No. Part 310 is the FTC's Telemarketing Sales Rule. Credit repair is governed by the CROA statute (15 U.S.C. §§ 1679-1679j); Part 310 appears only as a labeled advisory for the phone channel.
Q4. Does it verify fee timing, the delivered contract, or a state license?
A4. No — deliberately not. It checks only the wording you paste.
Q5. Price?
A5. Free fair-use demo (3 AI checks/day · 15/mo); Pro from $19/mo when listed on Waffo.