Firm guide

What this guide is for

It is a practical summary, in Spanish, of what you should have clear before serving your first client. It is informational and does not replace an attorney: consult one in your state before operating.

What the system does for you

• Disputes to 12 bureaus, 200+ creditors and collectors, with rounds every 40 days.
• AI that writes a different letter for each account, instead of repeated templates.
• Mailing by USPS First-Class Mail with consultant approval.
• CRM with WhatsApp, online signature, billing, Academy, and My Web.
• Client documents generated when the client file is opened and archived with the date.
• 110% guarantee with written requirements: see the summary and the terms.

Documents first, service second

If you offer to improve someone's credit in exchange for money, federal law (CROA, administered by the FTC and the CFPB) may classify your business as a credit services organization, even if you do not call it that. The basics:

• Consumer rights notice (Consumer Credit File Rights Under State and Federal Law), as a separate document and before the contract, with acknowledgment of receipt.
• Written contract before providing any service, with the total amount, a description of the services, estimated timeframe, guarantees, and business details.
• Cancellation notice in duplicate, attached to the contract, allowing cancellation within 3 business days without penalty.

During those 3 days no services are performed and nothing is charged. When you open a client on the platform, these documents are generated in Spanish and English, with online signature, and are archived in the client file.

Charge after providing the service

The central CROA rule: you cannot receive payment, directly or indirectly, before the promised service has been provided. That includes automatic charges scheduled before the work. Saving the payment method is fine; running the charge before the service is not.

• Monthly fee charged at the end of the cycle: usually the easiest to document, because the mailing date is always earlier than the charge date
• Initial fee or setup fee: with care: only if the corresponding service has already been provided
• Full package paid up front: the most direct violation; the client agreeing to it changes nothing

A one-line rule: if you cannot point in your system to what you did and on what date before each charge, your billing structure has a problem. Every mailing is dated on the platform.

What cannot be promised

• A number of points.
• Removing accurate information: only what is inaccurate, incomplete, or unverifiable is disputed.
• An exact timeframe for results. Reasonable estimates are fine; certainties are not.
• A new credit identity: using alternate numbers to “start from scratch” is federal fraud.
• Being “CROA certified”: it is a law, not an agency, and it does not certify anyone.

How to say it correctly: “we review your report account by account and dispute whatever is inaccurate or cannot be verified; results depend on your profile and the bureaus' response.” You sell the process and the support, not the number.

Your state regulates you too

Federal law is the floor. Many states require registration with a state agency, a bond, additional contract clauses, or limits on charges. The state where your client lives applies, not just where you live. What to check and where:

• The Secretary of State or the state department of financial institutions or consumer protection.
• The state statute on credit services organizations.
• The office of the state Attorney General , which often publishes industry guidance.
• A local attorney with experience in the subject, before entering a new state at volume.

Amounts, fees, and agencies change frequently, which is why this guide does not include a table by state: verify each current requirement before serving clients there.

What can be disputed and what cannot

The Fair Credit Reporting Act (FCRA) gives consumers the right to dispute information that is inaccurate, incomplete, or unverifiable. Information that is correct, complete, and verifiable cannot be removed, and promising otherwise is a violation. The goal is to find errors and require that what is reported can be verified, not to erase real debts.

Where real errors usually appear:

• Incorrect personal data: names, addresses, or employers that do not belong to the client.
• Accounts that are not theirs, due to mixed files or identity theft.
• Duplicates: the same debt reported by the creditor and by the collector.
• Wrong balances or statuses, such as a paid account that still shows a balance.
• Incorrect dates, such as an altered first delinquency that extends the time on the report.
• Unauthorized inquiries and outdated information that has already reached its maximum time.

With collections there are more points to review, and the FDCPA gives consumers the right to request debt validation, a different front from the dispute with the bureau.

Why so many disputes fail

• Repeated templates: the bureaus identify identical letters that arrive in volume. A letter with its own arguments for each account gets different treatment.
• Disputing everything with no argument: sending the full list without explaining what is wrong with each account weakens the case.
• Targeting only the bureaus: the data originates with the creditor or the collector; if it is only disputed with the bureau, it can be reinserted.
• Promising the impossible: the client who expected a real debt to be erased ends up upset even if the work is good.

The honest conversation with the client avoids most complaints: “I do not erase debts; I review your report account by account and dispute whatever is wrongly reported, incomplete, or unverifiable. What is yours, correct, and verifiable stays.”

Where the first clients come from

The first ones usually come from conversations, not ads:

• Your direct circle: write one by one to people you know had the problem, with a personal message. Offering to review the report with no commitment, and saying no if it cannot be done, builds trust.
• Realtors and loan officers: they work every day with people who do not qualify because of credit. You solve a problem they have, and when the client qualifies, they go back to them.
• Businesses that serve the same client: tax preparers, insurance agents, dealers, and multiservice shops.

At the start, paid ads, posting and waiting, and lowering the price just to get going tend to work worse.

How to get started

• Try it free for 7 days, no card, with up to 10 client files: see the plans.
• If you are coming from other software, the migration is free: migration guide.
• Training for your team in the Academy.
• 24/7 support by WhatsApp: contact.