Structured workflow for credit repair agencies
FixMy.Money provides a structured workflow designed to support CROA-aware operations — from lead intake through disclosure, agreement, cancellation period, active services, and completed documentation.
Important: FixMy.Money provides workflow, documentation, and recordkeeping tools. Each business remains responsible for complying with federal, state, and local laws. This software does not provide legal advice.
Workflow Stages
Lead to Completed
Eight structured stages guide each client from initial contact through completed services, with required-step indicators and compliance warnings at each stage.
* Required step with compliance indicators
Lead
Prospect enters the pipeline. Initial contact recorded. Qualification begins.
Disclosure
Required StepCROA-required disclosures delivered to the prospect before any agreement is signed.
CROA requires disclosure before any agreement
Agreement
Required StepWritten contract executed. Agreement includes all CROA-required terms.
Written agreement required before services begin
Cancellation Period
Required StepCROA-required 3-business-day cancellation window. No services may begin until this period expires.
Services cannot begin until cancellation period expires
Active Client
Cancellation period expired. Services may begin. Client is active in the platform.
Disputes
Credit report analysis, dispute letter generation, and bureau correspondence management.
Monitoring
Ongoing monitoring of bureau responses, dispute outcomes, and client credit profile.
Completed
Services completed. Completion evidence is documented for separate billing and legal review.
Compliance Tools
Built-in compliance support
Tools designed to help agencies document their work responsibly. Not a substitute for legal counsel.
Cancellation Window Tracking
The platform tracks the CROA-required 3-business-day cancellation period and displays a compliance warning if any service action is attempted before the window expires.
Document Version History
All disclosure forms, agreements, and compliance documents are stored with version history, execution dates, and delivery records.
Status History and Timestamps
Every workflow stage transition is recorded with a timestamp and the user who made the change. Status history cannot be edited.
Billing Eligibility Indicators
A workflow stage or elapsed time alone never establishes completed-service billing eligibility. Paid software subscriptions require separate confirmation through secure checkout.
Completed Service Documentation
Completed-service records must identify the promised work, evidence of full performance, timing, and the responsible reviewer. This review workflow is not yet active for new consumer billing.
Compliance Warnings
The platform displays warnings when required steps are incomplete or when actions are attempted out of sequence.
Legal Disclaimer
FixMy.Money provides workflow, documentation, and recordkeeping tools. Each business remains responsible for complying with federal, state, and local laws, including the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), the Telemarketing Sales Rule (TSR), and all applicable state regulations.
This software does not provide legal advice. Consult a qualified attorney for guidance on your specific compliance obligations.
View Compliance Information →Build your credit repair agency on solid operational foundations
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