Home / Industries / Credit Repair
Credit Repair · The Dispute-Cycle Engine
Credit repair business automation built for CROA, the TSR and a world without SMS
Every lead answered in a minute, every round reported, and every partner statement sent on time without you doing it at night. Everborn builds the front door, the retention engine and the partner program around the dispute software you already use.
Who it is for
Built for the owner of a 1-to-20-person credit repair organization. Keep DisputeFox, Credit Repair Cloud or Client Dispute Manager; that is your dispute engine. We sit in front of it and sync status both ways.
The Dispute-Cycle Engine
The named block of ten deliverables in the Growth package, built for Credit Repair.
- Enrollment packet flow
The CROA contract, state information statement and a separate notice of cancellation go out on enrollment, chased at 1, 24 and 72 hours. The cancellation window is tracked and the first bill is scheduled only after the first work date.
- Document chase with live checklist
ID, proof of address and the monitoring login each get an upload link and reminders; staff see who is stuck where.
- Dispute software sync
Your dispute platform pushes status, stage, round number and items into hidden CRM fields. Scores never leave the CRM.
- Round-went-out and results emails
Branded, compliant emails on the round date and on result changes, with a staff alert when a round is overdue.
- Progress reports
30/60/90-day and monthly reports with a per-bureau previous-to-new table, honest declines shown, and a portal link instead of a score in the message.
- Decline and expired-card recovery
A pre-bill notice, then an email and voice decline sequence with a self-serve card update.
- Cancellation save lane
A hold stage, a call task inside the hour, a what-we-have-disputed summary, and a pause offer rather than anything resembling an advance-fee incentive.
- Greenlight flag
When a client crosses your internal threshold, the rep gets a task to call the referring partner. The threshold never appears where a partner or client can read it.
- Graduation re-check
Past clients get a touch at 6 and 12 months after graduation.
- Compliance guard
Banned-phrase checks on every template and AI reply, timestamped consent, and contract copies kept the 2 years California requires.
What comes off your plate
| Task | What changes |
|---|---|
| Answer new leads | Email and a call-back attempt in under 60 seconds, round-robined to a rep. |
| Enrollment paperwork | Sent on enrollment, chased, with the cancellation clock tracked. |
| Failed payments and expired cards | A decline triggers a 3-step recovery with a self-serve update link. |
| Referral partner statements | Attributed link per partner and a monthly statement with no credit data inside. |
Follow-up length and the never-list
How long it runs. 52 weeks, low frequency. Leads who don't enroll are usually not no but not yet. The ladder runs separately from the 5-day drip, and anyone who responds moves back to the front of the pipeline.
Blocked in every template. No score promises, point ranges or timelines. No remove accurate items, delete collections, clean slate or guaranteed. No score, band or threshold in any message or partner document. No CPN talk. No fee before the service is performed. No client report detail tied to a name in anything a partner receives. No SMS on 10DLC or toll-free. No enrolling Georgia residents.
Three fixed packages
Launch
$3,500 build + $697/mo
Every lead answered, every call returned
Tracked number, consent-capturing forms, email plus an automatic call-back in under 60 seconds, voicemail drop on missed calls, booking, a 5-day drip, review requests and weekly reporting.
Growth
$6,500 build + $1,197/mo
Launch plus The Dispute-Cycle Engine
Adds The Dispute-Cycle 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 partner materials and statements, internal alerts, written procedures, priority support and the monthly automation think-tank.
Full Engine adds the partner program: counter cards and monthly statements for dealers, apartment communities and tax preparers who may lawfully be paid, and a separate no-fee program for loan officers, real estate agents and attorneys.
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 licence (take it off if you own HighLevel). Free week-one compliance review for regulated industries. You own everything.
Snap Credit Fix, a California credit repair company, runs on a system I built for them.
Chris Magee, Everborn Productions
Credit Repair questions
We already have Credit Repair Cloud, DisputeFox, DisputeBee or Client Dispute Manager.
Keep it; that is the dispute engine. It isn't the front door: answering a Meta lead in 60 seconds, round-robin, a 52-week nurture, decline recovery, partner statements and a Monday report. DisputeFox's own SMS is bring-your-own-Twilio, which runs into the same carrier ban. We sit in front and sync both ways.
Texting is how our clients communicate. You're telling me no SMS?
Yes. On 10DLC and toll-free, credit repair is a forbidden category at Twilio, HighLevel and the carriers, with no resubmission path. We build the fastest legal alternative: email inside a minute, an automatic call-back attempt, voicemail drop and a portal. Snap Credit Fix, a California credit repair company, runs on a system I built for them. It answers leads in under a minute that way.
The CFPB has stepped back. Does compliance matter right now?
Yes. The Lexington Law and Credit Repair Cloud judgments stand, state attorneys general are active, and CROA's private right of action carries a 5-year clock and attorney fees. Compliance here is a banned-phrase list, filed disclosures, consent logs and billing in arrears, at no extra cost.
Our churn is the client's fault. People quit when they get impatient.
Some do. But two causes are controllable: card declines and silence between rounds. Pre-bill notices, a decline sequence, round-went-out emails, progress reports and a save call inside the hour work on both. If the saves report shows nothing after 90 days, we rework the module.
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