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Case study · Credit repair
Case study: the system Snap Credit Fix runs on
Everborn's packages were not designed on a whiteboard. Every module was first built for a working credit repair company, in a tightly regulated industry, and then written down so it could be rebuilt for anyone. This page describes what that system does.
The business and the constraints
Snap Credit Fix is a California credit repair company that serves California residents. Three constraints shaped the build:
- Credit repair cannot text. Carriers do not allow the category on registered business texting, so every channel that would be a text elsewhere had to be email or voice.
- CROA and California's credit services rules govern every word. No promises about scores, outcomes or timelines, and nothing that suggests accurate information can be removed from a credit report.
- Some partners may be paid and some may not. Referrals from mortgage loan officers and real estate agents carry no cash fee, because RESPA applies.
What the system does
- One CRM hub. One CRM account holds the pipelines, workflows, forms and funnels, the phone line, the Facebook lead integration and support tickets. Every link, form, QR code and campaign lands there.
- Pipelines in the company's own words. New Leads, Active Clients and Nurture, with a stage router that moves a sold lead into Active Clients without closing the record, so reporting keeps working.
- Lead response without SMS. New leads from Meta lead ads and the site get an email and an automatic call-back attempt in under a minute and are round-robined to a rep.
- Follow-up kept in three separate pieces. A short non-responder drip, a 52-week low-frequency nurture for people who are not ready yet, and a re-engagement detector that moves anyone who replies back to the front of the pipeline.
- The dispute software bridged into the CRM. The delivery tool, DisputeFox, pushes status and stage into the CRM through an automation bus with sensitive-data stripping turned on, so reports read from systems that stay signed in.
- Owned-list re-activation. Google Sheets and Apps Script email campaigns to past leads and to dealer and partner prospects, with a California-only filter, a sending window, a daily ramp and a bounce guard that slows or pauses sending on its own.
- A dealer partner program. Each dealership gets a tracked link and a version-numbered "Not approved today?" counter card with a QR code, plus a monthly statement. When a referred customer is ready to go back to the dealer, the statement says so as a line item; no score, threshold or credit detail ever appears on anything a partner receives.
- A separate no-fee lane for loan officers, real estate agents and attorneys, built as its own program so a payment column cannot be added by mistake.
- Branded progress reports to clients, with declines shown honestly, and a weekly report to leadership written as what the business accomplished: positive, never invented, with problems shown as found-and-fixed or as a decision to make.
What we built this week
Seven pieces were added to the Snap Credit Fix system the week of September 20, 2026. They cover the money side: how a new client signs up, how billing runs and how reps are paid. Like the rest of the system, they are email-first.
- Owner-routed onboarding. Every new client gets the welcome from their own rep, with that rep's name, email and sign-up link, so the file lands in that rep's queue. One message per client, never a duplicate.
- Secure two-step sign-up. Clients are never asked to email sensitive data such as an SSN, an ID, a password or an account number. The welcome sends them to a secure form that files everything into the system of record, and the email says plainly not to send those details by email.
- Billing that runs itself. A branded invoice email; reminders 3 days before the due date, on the due date, 3 days after and a final notice at 7 days; card-on-file autopay with an upcoming-charge notice and a declined-card notice with an update link; receipts; and invoice defaults for terms, due days, logo and sender.
- Auto-drafted invoices. When a client is added in the dispute platform, a blank draft invoice for that client appears in the CRM for staff to fill in and send. Nothing reaches the client until a person sends it.
- Commission ledger. Rep commissions are calculated from money actually collected, not from signed enrollments, using the company's own plan rules, with a monthly statement per rep and a needs-attention list.
- Billing reconciliation. One view of who is billed, who has paid, who is overdue and who is being missed, across the CRM, the dispute platform and any old processor, so a client who is active in service but not billed anywhere shows up.
- Payment processor migration. A path for moving every paying client off a processor that has closed or is being replaced: new payment links or card-on-file, with old invoices cancelled only after payment clears, so nobody is double-charged or dropped.
These now appear as "the money desk" on the industry pages, each in the package where it belongs. Moving a client's payment processor is included at no charge.
What Everborn took from it
Each piece above became a module in Everborn's Build Library, and the gotchas became standing rules: verify every save by reloading, check carrier status before promising a text will deliver, never let a test record become a contact, and never put a sensitive figure on anything a partner receives.
The same spine now ships in three fixed packages for twelve industries. Credit repair companies get the closest match on the credit repair page. The dealer partner program is the pattern behind the Not-Approved-Today lane on the dealership sales page and the second-look lane on the dealership F&I page, and the no-fee lane is the pattern behind the partner rules on the mortgage and real estate pages. See all industries, or read how the front door works in the speed to lead and missed call text back guides.
This page describes the system, not credit outcomes. It makes no claim about any consumer's credit results.
Snap Credit Fix, a California credit repair company, runs on a system I built for them.
Chris Magee, Everborn Productions
Same three packages in every industry
Launch covers the front door. Growth adds the named engine for your vertical. Full Engine adds the partner program and the operating system.
Launch
$3,500 build + $697/mo
Every lead answered, every call returned
Tracked number, consent-capturing forms, a reply in under 60 seconds, missed-call text-back, booking, a 5-day drip, review requests and weekly reporting.
Growth
$6,500 build + $1,197/mo
Launch plus your Industry Engine
Adds your Industry Engine, onboarding, payment links, long-term nurture, list re-activation, retention, an after-hours assistant and the owner's report.
Full Engine
$9,500 build + $1,697/mo
Growth plus the partner program and the operating system
Adds the partner program (with statements only where the law allows payment), internal alerts, written procedures, priority support and the monthly automation think-tank.
Same prices in every industry. Half the build fee at signature, half on delivery; month to month after 90 days. Each monthly includes a $197 platform license (take it off if you already pay for the platform we build on). Free week-one compliance review for regulated industries. Your accounts and data are yours and export any time. The system we build runs in your accounts, and you keep the right to use it even if you cancel.
Websites and search add-ons
Starting points, confirmed in your written quote. Sites are built and hosted on the platform your monthly already covers. We never guarantee rankings or traffic.
| Add-on | What it is |
|---|---|
| Bundle: Online Presence Starter $1,800 | Core site, Local SEO foundation and social profile set-up ($2,200 separately) |
| Bundle: Online Presence Complete $3,200 | Full site, Local SEO foundation, brand kit and social profile set-up ($4,000 separately), first month of Local SEO growth free |
| Website build: core site $1,200 | Up to 6 pages, lead capture and booking wired to the CRM, compliance and disclosure pages, mobile, basic on-page SEO |
| Website build: full site $2,400 | Up to 15 pages: services, locations, team or rep pages, recruiting, blog set-up |
| Website redesign or migration $900 | Existing site rebuilt or moved, with redirects kept |
| Local SEO foundation $750 | Google Business Profile optimization, citations, on-page SEO and schema, Search Console and analytics |
| Google Business Profile set-up $250 | Set-up and optimization, standalone |
| Local SEO growth $350/mo | Two articles a month, weekly Business Profile posts, citation and review monitoring, a rank and traffic report |
| Website care plan $49/mo | Hosting, updates, backups, uptime, compliance-page upkeep, small edits |
Also available: additional pages ($350 per 5), brand kit ($600), social profile set-up ($250), accessibility review and fixes ($450), Google Ads account build ($600). Other one-time add-ons bought with the build are 15% less; monthly add-ons and bundles don't get that discount.
Book a build call
Tell Chris what your team still does by hand. You will get a straight answer on which package fits, or whether none does.
Email [email protected]
Call (916) 541-3415
Chris Magee · Sacramento, CA · serving clients across the United States