Financial services
Standard programCommonly assigned MCC
7321 · 7322
The category actually assigned is set at boarding and can differ from these.
Reviewed
CROA prohibits charging for credit repair services before they are fully performed. That single rule shapes everything about how a credit repair business can bill, and an account built on a model that ignores it is a liability the acquirer inherits.
Legitimate operators bill in arrears or on performance, disclose in writing, and honor the cancellation right. Underwriting is largely a check that your billing matches that.
What is actually being priced
Charging before performance is the fastest way to fail this file, and it is checked against your actual billing flow rather than your contract.
Specific score-increase promises attract regulator attention and read as a decline at underwriting.
Consumers dispute months later when results do not match expectations, so ratio pressure arrives on a lag.
What their lists say
Stripe
“Credit monitoring, credit repair, and counseling services”
Square
“credit counseling or credit repair agencies”
PayPal
“certain credit repair, debt settlement services, credit transactions or insurance activities”
Dash Process
Standard programCompliant arrears and performance billing models written; ACH offered for monthly fees.
What we ask forIn the product
The same five stages we publish on the site, a named contact, and the document list for credit repair in one place — received, requested, or not needed.
How it worksUnderwriting in progress
Acquiring review · Credit repair program · MCC 7321
Documents · 3 of 4 received
Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.
Questions
On this account
Also in financial services
We will tell you which of our acquiring partners writes it and what your file needs before it goes anywhere.