Compliance • Built-in Protection
Compliance isn't optional. We made it automatic.
CROA, FCRA, and 50-state regulations change constantly. DisputeWell builds compliance into every workflow — so you can focus on helping clients, not Googling state laws.
CROA CompliantFCRA Compliant50-State CoverageFDCPA AwareTSR Enforced
Federal Law
CROA & FCRA, built in.
The Credit Repair Organizations Act and Fair Credit Reporting Act define how credit repair companies must operate. DisputeWell embeds these requirements into every workflow — required disclosures, right-to-cancel notices, and proper dispute procedures are automatic, not afterthoughts.
State Regulation
50 states. 50 rule sets.
Every state has its own licensing, bonding, and registration requirements. Some require surety bonds. Others mandate specific contract language. DisputeWell tracks it all so you know exactly what each jurisdiction demands before you take on a client.
Agreements
Every signature, tracked.
Digital agreements with full audit trails. Clients sign disclosures, contracts, and right-to-cancel notices electronically. Every signature is timestamped, IP-logged, and tied to the specific document version — ready for any examiner.
Built for credit repair
Every feature is designed around the regulatory reality of credit repair. From federal law to state-specific requirements, compliance is embedded in the platform — not bolted on after the fact.
CROA compliance engine
Required three-day right-to-cancel notices, prohibited advance fee enforcement, and mandatory written contracts — all automated. DisputeWell ensures every client engagement starts compliant.
FCRA dispute procedures
Dispute letters follow FCRA Section 611 requirements. Proper bureau notification formats, 30-day tracking windows, and reinvestigation follow-ups are built into the dispute workflow.
State licensing tracker
Know which states require a credit services organization license, which need a surety bond, and which have registration requirements. Status dashboard shows your compliance posture at a glance.
Contract term limits
Many states cap how long a credit repair contract can run. DisputeWell tracks per-state maximums and flags contracts approaching their limit — so you never unknowingly exceed a term cap.
Advance fee protection
CROA prohibits collecting fees before services are rendered. Billing workflows enforce this rule — invoices only generate after completed work, with configurable billing triggers per service.
Required disclosures
Federal and state-specific disclosures are embedded in onboarding flows. Clients receive the Consumer Credit File Rights notice, cancellation rights, and any state-mandated addenda automatically.
Digital agreement builder
Create compliant service agreements with the built-in editor. Template library includes CROA-compliant contracts, state-specific addenda, and required disclosure language — customize or use as-is.
Evidence vault
Upload and organize surety bonds, state licenses, registration certificates, and proof of compliance. Everything in one searchable, secure repository — ready when regulators or auditors ask.
Expiration alerts
Licenses expire. Bonds lapse. Contracts hit their term limits. DisputeWell monitors every expiration date and sends alerts before anything lapses — so compliance never slips through the cracks.
Laws we help you follow
Credit repair is one of the most heavily regulated industries in consumer finance. Here are the key federal and state frameworks DisputeWell helps you navigate.
Credit Repair Organizations Act (CROA)
Requires written contracts before work begins, prohibits advance fees, mandates a three-day right-to-cancel period, and forbids misleading claims. DisputeWell enforces each requirement in the client onboarding and billing workflows.
Fair Credit Reporting Act (FCRA)
Governs how credit bureaus handle disputes and how consumers can challenge inaccurate information. DisputeWell generates Section 611-compliant dispute letters and tracks the 30-day reinvestigation window for every dispute.
Fair Debt Collection Practices Act (FDCPA)
Protects consumers from abusive debt collection practices. When disputing debt-related tradelines, DisputeWell includes proper debt validation language and ensures communications follow FDCPA guidelines.
Telemarketing Sales Rule (TSR)
The FTC's TSR extends CROA's advance fee ban to credit repair services sold via telemarketing. DisputeWell's billing engine prevents fee collection until measurable results are delivered.
Equal Credit Opportunity Act (ECOA)
Prohibits credit discrimination. DisputeWell's dispute templates include ECOA-based challenge language when inaccurate adverse actions may involve discriminatory practices.
Metro 2 Reporting Standard
The industry standard for credit data reporting between furnishers and bureaus. DisputeWell generates Metro 2 compliance-based dispute letters that challenge data furnishers at the field level — targeting specific reporting errors that traditional letters miss.
Compliance by default
Every workflow, every document, every billing event is designed to keep you on the right side of federal and state law — without you having to think about it.
50+ jurisdictions6 federal statutes
Compliance commitments
The checklist. Every item is enforced in the platform, not buried in a PDF.
- Three-day right-to-cancel notices generated automatically
- Advance fee prohibition enforced at the billing layer
- CROA-compliant written contracts required before work begins
- Section 611 dispute letter formatting and tracking
- 50-state licensing and bonding requirements mapped
- Per-state contract term limits monitored and enforced
- Digital signatures with IP, timestamp, and version audit trail
- Federal disclosure language embedded in onboarding flows
- Evidence vault for bonds, licenses, and registration documents
- Expiration alerts for every compliance deadline
- Versioned agreements with re-sign tracking on updates
- State-specific addenda auto-attached based on client jurisdiction
Ready to automate your disputes? Start with a free account. No credit card required, no contracts, cancel anytime.
