Everything you need to run a compliant credit repair business — in one place. Checklist, TSR violations infographic, and tools to protect you from FTC fines.
Three resources every credit repair business needs, available free. No fluff, no upsell — just the tools to keep you operating legally.
Every compliance requirement for credit repair businesses — organized into 5 sections covering contracts, disclosures, fees, consumer rights, and audit trail. Check them off one by one.
FREE DOWNLOADThe five Telemarketing Sales Rule violations that most commonly trigger FTC enforcement against credit repair companies — with real fine amounts and exactly how to fix each one.
FREE INFOGRAPHICHow to use AI voice agents to deliver compliant disclosures on every single call — so human inconsistency never creates a violation. Works with your existing sales process.
FREE GUIDEThe FTC isn't going after scammers — they're going after legitimate businesses that skipped steps. Here's what to watch for.
TSR Section 310.4(a)(2) prohibits requesting or receiving payment before achieving the promised result. Charging any fee — setup, registration, consultation — before delivering a tangible outcome is a violation. This is the #1 reason the FTC shuts down credit repair companies.
Claiming you can "remove any negative item," "guarantee a 100-point increase," or "erase bankruptcy" violates TSR's prohibition on misrepresentations. Even if a salesperson says it casually on a call — not in writing — it's still a violation you're liable for.
TSR requires specific disclosures before any payment: the total cost, all material terms, and restrictions. If your sales rep skips the full disclosure — even once, even because the client seemed ready to buy — that call is a violation. "I forgot" is not a defense.
The National Do Not Call Registry applies to outbound sales calls for credit repair services. Calling a registered number — or a number your business received a do-not-call request from — is a per-call violation. With list sizes in the millions, the risk compounds fast.
You can follow every rule perfectly — but if you can't prove it, it doesn't exist. FTC investigations require documentation of what was said on every call, when it was said, and who said it. Companies that relied on rep memory or paper logs couldn't survive regulatory scrutiny.
Five sections. 35 items. Everything your credit repair business must have in place to operate legally. Enter your email to get the full printable version — free.
Go deeper on any compliance topic with our full guides.
The complete deep-dive: every violation, real enforcement examples, and step-by-step fixes. 3,000 words.
All 35 items broken down section by section — contracts, fees, disclosures, consumer rights, and audit trail. Interactive format.
The same AI that reminds clients of appointments also delivers every required disclosure — automatically, every call.
9 yes/no questions. Get your compliance score instantly and see exactly which gaps put you at risk of FTC enforcement.
See ClearCall handle your actual calls — compliant disclosures, appointment reminders, and call recordings — in 15 minutes.
CROA (Credit Repair Organizations Act) compliance means following federal rules that govern how credit repair businesses operate. Key requirements include: no upfront fees before services are delivered, mandatory written contracts, required disclosures about consumer rights, a 3-day cancellation window, and accurate claims about what credit repair can do. Violations can result in FTC fines up to $50,000 per violation plus consumer lawsuits.
The 5 most common Telemarketing Sales Rule violations: (1) charging advance fees before delivering results, (2) making false claims about credit improvement, (3) failing to disclose material terms during sales calls, (4) calling consumers on the Do Not Call registry, and (5) having no audit trail of disclosures delivered. Each can trigger FTC enforcement and civil penalties. See the full infographic above for exact fine amounts and fixes.
AI voice agents like ClearCall automate compliant script delivery on every call — same disclosures, same language, same sequence, every time. This eliminates human inconsistency (reps who skip disclosures, go off-script, or make promises they shouldn't). Every call is recorded and transcribed, creating an audit trail that proves compliance if you're ever investigated by the FTC.
Yes — completely free. No credit card, no catch. We provide these resources because compliant credit repair businesses are the ones that survive long enough to need tools like ClearCall. Helping you stay compliant is good for everyone. Enter your email above and we'll send you the full checklist, TSR infographic, and AI compliance guide immediately.
CROA (Credit Repair Organizations Act) covers how credit repair companies operate generally — contracts, disclosures, advance fee rules. TSR (Telemarketing Sales Rule) specifically governs phone-based sales of credit repair services, adding rules about what you can say on calls, required disclosures during calls, and Do Not Call compliance. If you sell credit repair services over the phone, both apply to you simultaneously.
ClearCall handles disclosures, recordings, and audit trails automatically — so your team can focus on helping clients, not memorizing scripts.
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