Credit repair business automation built for CROA, the TSR and a world without SMS

The Dispute-Cycle Engine and what comes off your plate

Launch: every lead answered, every call returned. Email plus an automatic call-back attempt in under 60 seconds, voicemail drop on missed calls, round-robin to reps, a booking calendar with reminders, a 5-day email-and-voice drip, consent capture and a Georgia geo-fence, a review request on a good result or graduation, and a written A2P recommendation instead of a registration that would misdescribe your business.

Growth: Launch plus The Dispute-Cycle Engine

The named block of ten deliverables in the Growth package, built for Credit Repair.

1. Enrollment packet flow

   The CROA contract, state information statement and a separate notice of cancellation go out on enrollment and are chased at 1, 24 and 72 hours. The cancellation window (3 business days federally, 5 working days in California) is tracked and the first bill waits for the first work date.

2. 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.

3. Dispute software sync

   Status, stage, round number and items flow into hidden CRM fields. Scores never leave the CRM.

4. 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 late.

5. Progress reports

   30/60/90-day and monthly reports with a per-bureau before-and-after table, honest declines shown, and a portal link instead of a score in the message.

6. Decline and expired-card recovery

   A pre-bill notice, then an email and voice decline sequence with a self-serve card update.

7. 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.

8. 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.

9. Graduation re-check

   Past clients hear from you at 6 and 12 months after graduation.

10. Compliance guard

    Banned-phrase checks on every template and AI reply, timestamped consent, and signed disclosures kept for the periods federal and state law require (two years under CROA; four years after the agreement ends in California).

Full Engine: Growth plus the partner program and the operating system

Counter cards and monthly statements with fee lines for dealers, apartment communities and tax preparers who may lawfully be paid; a separate no-fee program for loan officers, real estate agents and attorneys; partner outreach; a recruiting funnel for reps and processors; and the monthly automation think-tank.

The money desk: sign-up, billing and commissions

The package each item starts in is shown under its name.

What it is	What it does
Owner-routed onboarding Growth	Every new client gets the welcome from their own rep: the rep's name, email and own sign-up link, so the file lands in that rep's queue. One message per client, never a duplicate.
Secure two-step sign-up Growth	Clients never email an SSN, ID, password or account number. The welcome sends them to a secure form that files everything straight into your system of record, and says plainly not to email it.
Billing that runs itself Growth	Monthly billing in arrears for work already performed: branded invoice emails; reminders 3 days before due, on the due day, 3 days after and a final notice at 7 days; card-on-file autopay with an upcoming-charge notice and a declined-card update link; receipts. Email-first. The upcoming-charge notice doubles as the pre-bill notice.
Auto-drafted invoices Full Engine (on Growth with the Third-party integration add-on, $2,500)	When a client is added in your dispute platform, a blank draft invoice for them appears in the CRM for staff to fill in and send. Nothing reaches the client until a person sends it.
Commission ledger Full Engine	Rep commissions calculated from money actually collected, not signed enrollments, under your own plan rules (splits, payout timing, clawbacks, lead-type rates), with a monthly statement per rep and a needs-attention list.
Billing reconciliation Full Engine	One view of who is billed, who paid, who is overdue and who is being missed across the CRM, the dispute platform and any old processor, catching clients who are active but not billed anywhere.
Payment processor migration Included at no charge	Moves every paying client off a processor that closed or is being replaced: new payment links or card-on-file, and old invoices cancelled only after payment clears, so nobody is double-charged or dropped.