Is Your Credit Repair Business
CROA Compliant?

A CROA compliance checker helps credit repair businesses verify whether their operations follow the Credit Repair Organizations Act and Telemarketing Sales Rule. It asks about contracts, disclosures, fee structures, call recording, and refund policies — then scores your risk level and tells you what to fix.

To be CROA compliant you must: never charge upfront fees before services are delivered, provide a written contract with all required disclosures, offer a 3-day cancellation right, make no false claims about credit improvement, include all required TSR disclosures on sales calls, and maintain call recordings as an audit trail. Take the assessment above to find out where you stand.

A low score means your business has gaps that could trigger FTC enforcement — fines up to $50,000 per violation, consumer refund orders, and potential business shutdown. The good news: most violations are fixable. This assessment tells you exactly which areas need attention so you can address them before an investigation starts.

At least quarterly, and any time you change your sales scripts, fee structure, contracts, or add new staff who handle client calls. Compliance gaps typically open up when processes change — not when laws change.

Yes. ClearCall's AI voice agents use pre-built CROA and TSR-compliant scripts. Every call includes required disclosures in the correct sequence, and every call is automatically recorded and transcribed for your audit trail. You never have to worry about a rep going off-script or skipping a required disclosure.