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Compliance

It’s the difference between growth and risk. Run your credit repair business the safe way — compliant with CROA, TSR, FCRA, and state CSO laws.
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Compliance Matters

FOR ALL CREDIT SERVICE ORGANIZATIONS

Compliance isn’t just a requirement — it’s a competitive advantage. Every law we follow helps protect your business from lawsuits, client disputes, merchant shutdowns, and reputation damage.

We engineered Credit Manager to automatically align with federal and state laws governing credit repair operations.

  • CROA (Credit Repair Organizations Act) – Transparent contracts, no upfront fees, clear consumer rights, and proper disclosures.
  • TSR (Telemarketing Sales Rule) – Ensures all marketing and phone calls follow FTC guidelines, including no advanced payment for credit repair services.
  • FCRA (Fair Credit Reporting Act) – Disputes initiated under lawful Metro-2 methods, without misrepresentation or false deletions.
  • State CSO Compliance – We maintain surety bonds and registration in required states. Each agency operates under our umbrella framework.

Our framework was designed to let you scale confidently within the laws that govern credit repair, telemarketing, and consumer protection.

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Compliance Matters

Compliance isn’t just a requirement — it’s a competitive advantage. Every law we follow protects your business from lawsuits, client disputes, merchant shutdowns, and reputation damage. Our framework was designed to let you scale confidently within the laws that govern credit repair, telemarketing, and consumer protection.

Heavy Regulations

The credit repair industry is one of the most heavily regulated in the U.S.

Risking Lawsuits
Avoid lawsuits and cease-and-desist actions by following CROA, TSR, and state CSO requirements.
Build Consumer Trust
Compliance transparency earns credibility and drives referrals.

CSO Compliance

Built for Every Law That Matters

We engineered Credit Manager to automatically align with federal and state laws governing credit repair operations.

  • CROA (Credit Repair Organizations Act) – Transparent contracts, no upfront fees, clear consumer rights, and proper disclosures.
  • TSR (Telemarketing Sales Rule) – Ensures all marketing and phone calls follow FTC guidelines, including no advanced payment for credit repair services.
  • FCRA (Fair Credit Reporting Act) – Disputes initiated under lawful Metro-2 methods, without misrepresentation or false deletions.
  • State CSO Compliance – We maintain surety bonds and registration in required states. Each agency operates under our umbrella framework.

We’re the only known credit repair network approved as a Merchant of Record, thanks to our full CROA and TSR compliance — which means every agency in our system is pre-approved from day one.

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300 +
Agencies Managed Nationwide

Agency Advantage Benefits

01

Website & Branding

Launch a brand new, ready-to-use agency website with your own logo and identity.
02

Legal Compliance

Operate confidently with systems built to meet CROA and state-level CSO regulations.
03

Prewritten Agreements

Receive state-approved contracts and disclosures designed for compliant client onboarding.
04

Compliance Checklist

Follow a step-by-step roadmap covering setup, operations, and compliance essentials.
05

Agency Training Manual

Equip yourself and your team with clear processes for daily management and client success.
06

Credit Card Processing

Accept payments securely through integrated merchant options tailored for credit repair businesses.
07

Hands-Free Operation

Automate client updates, billing, and communication to keep your agency running on autopilot.
08

Unlimited Onboarding

Add and manage new clients without caps, fees, or scaling restrictions.
09

Lead Generation

Access managed ad campaigns and co-op marketing programs that deliver qualified leads.
GAIN AN ADVANTAGE

Advocate Protection

Strong Referrals. Safe Rewards. 100% Confidence.

Professionals across auto, mortgage, real estate, retail, and other credit-dependent industries trust our network because we consistently produce results that strengthen their brand and expand their business. You can confidently send customers our way knowing the process protects your reputation and supports your clients at every step.

  • Meaningful Rewards for Your Referrals: We compensate you with a commission for every customer that successfully pays for our services, giving you the peace of mind that we uphold compliance every step of the way.

  • A Clear and Supportive Client Experience: Your customers always know who they are working with and how the process unfolds, which creates confidence and reinforces your professionalism.

  • Seamless and Automated Agency Assignment: Your customers are assigned through a structured rotation system that accounts for state requirements and agency availability, which keeps the process smooth and reliable.
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300 +
Agencies Managed Nationwide

Industries We Help

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Real Estate

Including realtors, brokers, and loan officers who need clients to qualify for mortgage approvals or refinancing opportunities.
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Automotive Sales

Ideal for dealerships, finance managers, and auto brokers helping buyers secure credit approval for new or pre-owned vehicle purchases.
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Luxury Goods

For jewelers, boutique retailers, and high-end product vendors whose customers may require financing options to complete large purchases.
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Residental Construction

Includes contractors, solar companies, roofing specialists, and home improvement providers seeking to help clients obtain financing or qualify for home upgrade programs.
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Online & Local Shops

Perfect for e-commerce stores, local service providers, and subscription businesses that offer installment plans or in-house financing for their customers.
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High-Ticket Sales

Designed for consultants, coaches, and service professionals offering premium programs or packages requiring flexible payment solutions or credit approval.
BECOME AN ADVOCATE
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Legal Collaboration — Done the Right Way

Compliance for Law Firms

Our attorney network operates under clear boundaries that respect Bar rules, referral prohibitions, and consumer transparency laws.

1
No Fee-Splitting:
We don’t take commissions or split fees for any legal referrals. We only provide introductions to law firms for consumers who need help with credit or debt-related matters.
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2
Ethical Intake Process:
Clients are assigned based on lawful intake matching criteria, never favoritism or payments.
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3
Attorney–Client Relationship:
We continue assisting clients while the attorney manages the legal matter, pausing disputes only on items involved in the case.
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4
Marketing Compliance:
All ads meet FTC advertising guidelines and never imply legal partnership or guarantee results.
JOIN THE NETWORK
One Platform. Three Solutions. Unified for Growth.

Credit Repair Ecosystem

Credit Manager delivers compliance-driven FinTech solutions that unify every part of the credit repair ecosystem — connecting consumers in need with approved agencies, advocates, and law firms working together seamlessly. Our technology automates complex workflows, centralizes data, and ensures regulatory compliance across all states.

Each solution is rooted in the same systems, data workflows, and compliance models that have powered our own successful operations for years.

01

Agency Advantage

Scalable, compliant infrastructure for credit repair agencies ready to grow with confidence.
Learn More
02

Advocate Network

Assisted connection with your prospective buyers when they become credit-ready.
Learn More
03

Attorney Network

Automated, compliant contact introductions of consumers in need of legal evaluation.
Learn More
Each solution is tailored for a specific type of professional. Choose the path that best aligns with your business needs.