Run a tighter credit repair business. Start with one page.
Checklists, decoders, SOPs, templates and calculators written for credit repair business owners. Every one is built around accuracy, documentation and compliance. Find one, then comment its keyword on Instagram and we send it to you.
56 of 56 resources
Metro 2 Field Cheat Sheet
A plain-language map of the Metro 2 fields that decide what a tradeline says, and where they should agree.
Account Status Codes Decoder
Read any tradeline's status in seconds, and know which fields must agree with it before you send a letter.
Payment Rating and 24-Month History Decoder
How Payment Rating and the 24-month Payment History Profile should match, and where they disagree.
Compliance Condition Codes Guide (XB, XC, XH and more)
What the compliance condition codes (XB, XC, XH and more) signal, and when a missing or stale code is the problem.
Date of First Delinquency and Re-Aging Red Flags
How to spot a Date of First Delinquency that moved, and the re-aging pattern to flag for verification.
Charge-Off vs Collection Reporting Matrix
Which fields should differ between a charge-off and a collection account, and where the report contradicts itself.
Federal Student Loan and Servicer Reporting Error Checklist
A checklist for student loan tradelines whose servicer status, balance or history contradict each other.
Bankruptcy Reporting Accuracy Checklist
A checklist for bankruptcy tradelines: the filing date, chapter, discharge and account statuses that must agree.
FCRA Section Map for Owners (604, 605, 605B, 609, 611, 623)
A plain-English map of the FCRA sections credit repair owners use most, with what each one does in practice.
605(b) Identity-Theft Block: When It Applies and When It Doesn't
Know exactly when a 605(b) block applies, what the bureau needs, and why misuse is fraud.
Section 609: Myth vs Reality
Separate what Section 609 actually gives consumers from the myths circulating online.
CROA Compliance Checklist
A working checklist of what CROA requires before, during and after you sign a client.
TSR Advance-Fee Rule for Phone Sales
Understand the TSR advance-fee ban for credit repair sold by phone, and how it changes billing.
State Registration and Bonding Tracker
A fill-in tracker for state registration, bond and renewal requirements, with a verification process.
Required Disclosures and Cancellation Notice Checklist
A step-by-step checklist for the CROA disclosure, the written contract and the Notice of Cancellation.
FDCPA Validation vs FCRA Dispute
Learn the difference between a validation request to a collector and a dispute with a bureau.
Reg F Quick Guide for Owners
A short guide to Regulation F's debt collection rules and what they mean for you and your clients.
Credit Repair Advertising Do's and Don'ts
A practical review list for ads, posts, landing pages and testimonials that credit repair businesses publish.
Round 1 to 3 Dispute Workflow SOP
A documented three-round dispute rhythm with checkpoints, so every round stays truthful and traceable.
Bureau Response Decoder: What to Do After Verified, Updated, Deleted or Frivolous
What each bureau response label usually means, and the next step that matches it.
Method of Verification Request Guide
How and when to request the method of verification, and what to do with the answer.
Direct Furnisher Dispute Guide (Section 623)
How to dispute an item directly with the furnisher under Section 623, step by step.
Inquiry Dispute Playbook: Authorized vs Unauthorized
Sort hard inquiries into authorized and unauthorized, then dispute only those with no permissible purpose.
Personal Information Cleanup Checklist
A checklist for correcting wrong or outdated personal details on a report, with no identity shortcuts.
Mixed File and Duplicate Account Checklist
Spot mixed files and duplicate accounts, then dispute each one with proof and no identity shortcuts.
Certified Mail Tracking Log
A tracking template for every dispute letter: mailed, delivered, the 30- and 45-day dates, and the response.
30/45-Day Dispute Investigation Timeline Calculator
How to read a 30- and 45-day dispute deadline, and why the delivery date is the right starting point.
CFPB Complaint Step-by-Step
How a consumer files a CFPB complaint about a credit reporting problem, and how owners can help safely.
Client Onboarding Checklist
A step-by-step intake checklist from signed agreement to the first dispute batch, built for owner-run files.
First 10 Clients Game Plan
An eight-week activity plan for building your client pipeline, with a compliance step attached to each week.
Pricing Model Comparison: Monthly vs Pay-Per-Delete
How monthly service fees and pay-per-delete pricing differ legally, and the questions to take to counsel.
Compliant Consultation Call Script
A consultation framework that discloses consumer rights and states what you cannot promise, for owners to adapt.
Objection Handling Sheet
Honest answers to the objections prospects raise, with the promises you must never make.
Referral Partner Kit for Lenders, Realtors and Auto Dealers
A one-page partner kit for lenders, realtors and auto dealers, with the RESPA rules flagged before you start.
Client Update Message Templates
Plain, factual client update templates for every stage of a file, with the lines to leave out.
FTC-Compliant Review Request Templates
Review request templates that follow the FTC endorsement and fake-review rules, with the do-not list.
Owner KPI Scorecard
Ten operating measures for a credit repair business, how each is defined and how to read it.
Hiring Your First Dispute Specialist SOP
A standard operating procedure for hiring, screening, classifying and training your first dispute specialist.
Credit Repair Cloud to SCAIL Migration Guide
Move a Credit Repair Cloud book into SCAIL: export prep, what moves, QA checks and a clean cut-over.
DisputeFox to SCAIL Migration Guide
Move a DisputeFox book into SCAIL: which exports to pull, how statuses map, and a safe cut-over.
Client Import Field Map
Which export column lands in which SCAIL client field, and what the importer does with each one.
Manual Dispute Time-Cost Calculator
Estimate the monthly hours and cost your team spends on manual dispute letters, with the assumptions shown.
Credit Repair Software Buyer's Checklist
Neutral questions to put to any credit repair software vendor before you sign, with a checkbox for each.
SCAIL Setup-in-a-Day Checklist
An ordered setup plan in eight one-hour blocks, from owner login to first portal access.
Halo AI: 25 Owner Use Cases
Twenty-five concrete ways a credit repair owner can put Halo, SCAIL's AI assistant, to work.
Automation Recipes: Onboarding, Rounds and Billing Reminders
Trigger, action and check recipes for onboarding, rounds and billing reminders, at workflow level.
Utilization Explained (with a Calculator)
Learn what credit utilization is, how to read it per card and overall, and what to do with your numbers.
The 5 Score Factors
Learn the five factors credit scores are built from, how much each generally weighs, and where to look first.
How Long Items Stay on a Credit Report
Learn how long common items generally stay on a credit report and what starts each clock.
Goodwill Letter Guide
Learn when a goodwill letter may make sense and how to write a polite request to a creditor.
Building Credit: Secured Cards and Credit-Builder Loans
Learn how secured cards and credit-builder loans work, and what to check before you sign up for one.
Mortgage Readiness Checklist
A plain checklist of documents, report checks and habits to review before you apply for a mortgage.
Rapid Rescore Explained
Learn what a rapid rescore is, who can order one, and why it reflects only documented changes.
Debt Validation and Pay-for-Delete: What's Real
What debt validation can do, what pay-for-delete is, and why neither one is a sure result.
Live Demo Webinar Prep Sheet
What to bring to the weekly live demo: your numbers, five questions and a plan for the 30-day trial.
Credit Repair Website Launch Checklist
A pre-launch checklist for a credit repair website: required pages, disclosures, forms, claims and speed.
Software that runs the process these pages describe
SCAIL is software for credit repair business owners: client portal, dispute workflow, mail, billing and Halo, our AI assistant. Try it for 30 days.
SCAIL is software. We do not repair credit for consumers and we do not promise results. Educational information, not legal advice. Laws change; verify with counsel.