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Halo · one agent, thirteen jobs

You were going to hire for this.

Thirteen roles run a credit repair book properly. Most owners do all thirteen themselves until they cannot, then hire for the loudest two. Halo does all of them, on every file, around the clock — and every word she sends a client passes a CROA check before it leaves.

Start free — 30 days →See the thirteen

Included on every planNever mails a letter or charges a cardEvery action written down

Halo · what she did while you were asleep
Answered Marcus D. at 12:15am — from his own file
Round 2 is out. Window closes Oct 4. Two items came off in August.
Done
Read a TransUnion response and decided 14 items
9 deleted · 5 verified, queued into round 3
Done
Built round 2 for Alicia R. — three bureaus, ready to mail
Certified mail goes out over your client’s signature. You release it.
Needs you
Card declined on one account — $149
Message drafted. Money never moves without you.
Needs you
The roster

Thirteen job postings. One of them is filled.

This is not one assistant with a long prompt. Each of these is a specialist that only knows its own job — which is exactly why it is good at it — and Halo is the one face in front of all thirteen. You never learn thirteen names. You read one page.

Dispute processor
Builds the next round
Finds the files where a round is due, reads the matrix, and stages the letters bureau by bureau — Metro 2 field by field.
Covered
Response analyst
Reads what the bureau sent back
Opens the response, decides each item, and updates the matrix — so a verified item becomes round three rather than a PDF nobody opened.
Covered
Import auditor
Checks every report that lands
Cross-reads the parsed file against the PDF and flags anything the import dropped. A merged report loses accounts at the seams; she finds them.
Covered
Escalation officer
Assembles the escalation
MOV demands, §623(b) furnisher disputes, CFPB complaints and §605B blocks — built from the file, ready to release.
Covered
Paralegal
Watches the FCRA clocks
Every §1681i 30-day window, checked continuously. The day one lapses with no answer is the day the strongest letter in the sequence is worth sending.
New — nobody was doing this
Quality control
Catches items that came back
A deleted item reappearing is a §1681i(a)(5)(B) violation with a five-day notice rule attached. She spots it and drafts the demand.
Covered
Client success
Answers your clients
From their own file, at any hour, in your firm’s voice — and she says she does not know rather than inventing an account.
Covered
Account manager
Sends the progress updates
The hour something moves on a file, the client hears it from you. Not a newsletter — the thing that actually happened to them.
Covered
Onboarding coordinator
Chases the setup that stalled
A client who paid and never connected monitoring is a file that cannot start. She notices on day three, not on month two.
New — nobody was doing this
Retention specialist
Spots the client about to leave
Churn shows up in behaviour weeks before it shows up in a cancellation. She reads the signals and tells you while it is still fixable.
Covered
Compliance reviewer
Reads your copy against CROA
Campaigns, templates and every message she writes herself — checked against §1679b, the TSR and FTC deception standards.
Covered
Partner manager
Looks after your referral partners
The partners who send you business get followed up on a cadence instead of whenever somebody remembers.
Covered
Social & content
Writes the win post
A verified deletion becomes a post — copy, framing and the numbers — drafted and waiting for you to approve it.
Covered
The math

Put your own numbers in. We will not put ours in for you.

There is no “operators save $94,000 a year” on this page, because we do not know that and could not support it. Here is the sum instead. Move the sliders.

30 hrs
$21.53
+25%
What that work costs you a year

$41,984

That is 30 hours a week at $26.91 fully loaded. It is the bill for covering your working day. It does not cover the night, the weekend, or the 11:40pm text — those are the hours Halo was built for.

A week of it
$807
People for 24/7
5

Round-the-clock cover is the number that does not bend: 168 hours a week is 5 people at 40 hours, however you arrange them. Halo is one seat, included on every plan, and she does not take the week off.

The starting hourly rate is the U.S. median for customer service representatives — $21.53 an hour, May 2025, per the Bureau of Labor Statistics. It is deliberately the low end: a dispute processor, a paralegal or a compliance reviewer costs more than that, so the arithmetic above understates what these thirteen jobs actually run. Nothing here is a promise about your business — it is your numbers in a calculator you can check.

The night shift

The hours you cannot buy at one salary.

A week has 168 hours. One hire covers forty of them. Halo wakes every fifteen minutes, every day, and the work that matters most — a lapsed FCRA window, a client awake at midnight — does not schedule itself for business hours. One operator’s day, as she works it:

00:15
A client texts asking whether anything has happened. Halo answers from their file — the round that is out, the date the window closes, what came off last month.
02:00
A §1681i window lapses with no response from the bureau. She flags it as it happens, and the MOV-failure escalation is built before you wake up.
03:30
A card declines. She works out the amount, drafts the dunning message in your voice, and stops — money never moves without you.
06:00
A bureau response PDF lands. She reads it, decides each item, and queues the verified ones into the next round.
08:45
A client who paid nine days ago still has not connected monitoring. That file cannot start, so she says so.
11:20
A deletion posts. She writes the client, writes the win post, and asks for the review — at the moment it is worth asking.
14:00
A funding client comments on their published plan. Four hours later nobody has replied, so it is on your desk with the question attached.
17:30
A round is ripe. She builds it — every letter, every bureau, every Metro 2 field — and leaves it for you to mail.
21:10
A lead asks a question on the site. Answered in under a minute, from what is actually true about your firm.
23:55
She writes down everything she did today, what she set aside, and what it cost. You read it over coffee.
Compliance

She cannot send a sentence that breaks CROA.

Every other tool reviews its copy afterwards, which on an agent writing new messages around the clock means the review runs after the client has already read it. So the check sits in front of her mouth instead. Every client-facing message Halo writes is read against CROA §1679b, the Telemarketing Sales Rule and FTC deception standards before it leaves.

What it blocks

The promises that end firms

  • Any suggestion accurate negative information can be removed
  • Guaranteed deletions, approvals or outcomes
  • A specific score or point promise — ranges with qualifiers are fine
  • A promised date for a result
  • CPN, EIN-as-SSN or file segregation, in any framing
  • Copy that routes a sale through a phone call before payment
  • A password, or asking a client to reply with one
When it is unsure

It fails closed. Always.

If the check errors, times out, or answers something unreadable, the message does not send — it waits for you, with the reason attached. A held message costs one tap. An ungated one is a federal representation sitting in a consumer’s inbox with your name on it. There is no version of “send it anyway” worth that.

What it never does

It does not quietly rewrite her

A model editing its own outbound copy until it passes its own check is worse than the copy, because then nobody knows what was actually said. It answers yes or no, and a no shows you the exact sentence that stopped it.

Limits

Three things she will never do on her own.

Not settings you remember to leave switched off. Ceilings in the code — there is no toggle in the product, no row in the database and no admin screen that grants them. She prepares each one completely and stops.

Never autonomous

Mail a letter

Certified mail goes out over your client’s signature, not ours — the consumer is the declarant, and it cannot be recalled once it has arrived. The whole package is built, addressed and ready. You release it.

Never autonomous

Charge a card

CROA §1679b(b) governs when a credit repair fee may be taken, which makes billing a compliance decision rather than an operational one. She works out the amount and drafts the message. The money waits for you.

Never autonomous

Publish under your brand

A win post is a results claim in public with your name on it. She writes it from verified deletions — copy, framing, the numbers — and it sits there until you say yes.

The record

Everything she does, in one timeline.

Not a log file. One page that answers three questions in the order you ask them: what is waiting on me, what is she doing right now, and what has she done. A pass that found nothing to do writes nothing — a timeline padded with “checked, found nothing” every quarter of an hour is one nobody reads.

Waiting on you · each one finished except the step only you can take
Round 3 built for Devon M. — Experian, Equifax, TransUnion
Certified mail · 11 items · ready since 4:12pm
Mail
Message to Priya S. held — compliance
The line that stopped it: “this will be gone within 30 days”
Compliance
Win post drafted from three verified deletions
Public results copy under your brand — you approve what gets published.
Your call
Flagged 6 files with no movement in 21 days
4:00pm · no cost
Done
Answered 23 client questions from their own files
Today · 2 escalated to a human with the reason attached
Done

You set a daily spend cap and she works inside it. You can switch any job from “she handles it” to “prepare only” and she still does the work, she just stops before the last step. And you can pause her for a day without switching anything off.

She is on every plan. Including the free trial.

Thirty days, nothing charged. Switch her on, give her one job, and read what she did in the morning.

Start free — 30 days →Back to the overview