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CROA Compliance Checklist
A working checklist of what CROA requires before, during and after you sign a client.
What is inside
- Disclosure, contract and cancellation steps in order
- Prohibited practices under 15 U.S.C. 1679b
- Record-keeping habits that protect you in a dispute
Who it is for: Credit repair owners who want a clear CROA self-audit of their sales, contracts and billing.
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Questions
Does CROA apply to me if I only offer education?
Coverage depends on the services you sell and the statute's definitions. Verify with counsel and the current official text.
Can I bill monthly?
CROA bars payment before a service is fully performed, and some states have additional rules. How to structure billing is a question for counsel.
SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.