Say this: "They read the file and draft the letters. You send them."
That's the sentence. It's true, it's short, and it keeps you on the right side of a line you don't want to be near.
Credit repair organizations act on the consumer's behalf: they contact bureaus and creditors in the consumer's name and charge for it. That's a regulated activity with its own federal act, and referring buyers to one puts your name next to theirs when a regulator or a plaintiff's lawyer starts reading.
QualifyReady doesn't act for anyone. It reads the reports the buyer uploads, writes the analysis, the plan and every dispute letter, and hands them to the buyer. The buyer signs and mails. Nothing goes to a bureau in any name but theirs, and nothing on the file ever shows a third party. Section 2 of the terms says it in bold.
So when the buyer asks: they read the file and draft the letters, you send them. If they ask whether it'll fix their score: nobody can promise that, and anyone who does is the other kind of company.
Two sentences. Both true. Neither one you'll ever have to walk back.
Sources
- Fair Credit Reporting Act, 15 U.S.C. § 1681i — a consumer's right to dispute directly
- QualifyReady — Terms of Service, Section 2
Every statutory citation in this article was checked against the source listed before publication. Nothing here is legal advice; if your situation has legal consequences, talk to a licensed attorney in your state.