Dialer Credit Repair Protections Check

Live. Credit-repair / CROA advance-fee check before dialing (credit repair, credit restoration, credit services organizations, score-boost / credit-fix balances): per account hold / review / ok from the facts on file (account type; no creditor authority; fee demanded before performance; cancelled within 3 days; cancel right denied; missing written CROA contract; guaranteed results claimed; new credit file advised; fee demanded after cancel; disputes; attorney; bankruptcy), plus whether the closer may contact, demand payment, quote a balance or add fees. Never demands a fee before the work is fully performed, never denies the three-business-day cancel right, never guarantees deletion or a score, never advises a new credit file, never skips the written CROA contract, never demands a fee after a timely cancel. Facts only, nothing stored. Not for funeral, movers, self-storage, auto-repair, mail-order, warranty, tow/impound or debt-relief.

For credit repair organizations, agencies and anyone running an AI closer or dialer on credit-repair balances: send as_of (YYYY-MM-DD) and accounts (ref, niche credit_repair / generic, account_type credit_repair_fee / advance_fee / cancel_dispute / other / unknown, plus yes/no facts: creditor_authority_on_file, services_fully_performed, fee_demanded_before_performance, cancelled_within_3_days, written_contract_given, cancel_right_denied, guaranteed_results_claimed, new_credit_file_advised, fee_demanded_after_cancel, dispute_open, bankruptcy_filed, attorney_represented, consumer_purpose, payment_plan_requested). Get hold / review / ok per account with reason codes, citations (CROA 15 U.S.C. 1679 et seq., 16 CFR 310.4(a)(2), the FDCPA and Reg F, 11 U.S.C. 362) and closer notes, and may_contact, may_demand_payment, may_quote_balance and may_add_fees flags (may_add_fees is always false). Refs and yes/no facts only: consumer names, CRO names, amounts and PII are refused. Billed per account (up to 5000, minimum 1); nothing stored. Operations aid, not legal advice. Not for funeral, movers, self-storage, auto-repair, mail-order, warranty, tow/impound or debt-relief.

Price: $0.001 per record after 1,000 free per month.

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