Mark Hughes

Credit Repair September 10, 2026 32 min read

State Credit Services Organization Acts: Registration, Surety Bonds, and Why Missing One Blocks Your Merchant Account

A credit repair company can understand the federal Credit Repair Organizations Act and still discover, during merchant-account underwriting, that its compliance file is incomplete.  The reason is the additional state layer: credit...

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Credit Repair September 9, 2026 31 min read

Your Credit Repair Merchant Account Was Terminated: The First 10 Days, MATCH Exposure, and Migrating Recurring Billing

A processor termination changes the priority list for a credit repair company immediately. If you are searching for a credit repair merchant account terminated what to do, the first move is not...

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Credit-repair Payments August 17, 2026 37 min read

Click-to-Cancel and Negative-Option Billing: Handling Cancellations Before Disputes Pile Up

Recurring billing becomes a chargeback problem when customers can sign up easily but cannot understand, manage, or cancel the subscription just as clearly. That problem affects far more than streaming services. Credit-repair...

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Credit-repair Payments August 17, 2026 34 min read

Handling Client Refunds Under CROA: Timing, Documentation, and How Refund Ratios Affect Account Health

For a credit repair business, a refund request is not only a customer-service matter. It may intersect with CROA cancellation rights, payment timing restrictions, contract terms, state law, processor monitoring, and chargeback...

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Chargebacks August 11, 2026 12 min read

CROA-Compliant Billing Evidence for Card-on-File Charges

A single disputed charge can put an entire credit repair business at risk. When a client calls their bank and says they never agreed to a payment, the burden of proof lands...

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July 30, 2026 11 min read

Payment Timing Controls After Credit Repair Work Is Completed

Money and trust move in opposite directions in the credit repair world. Clients want proof before they pay. The law demands it. And one wrong billing decision can cost a business millions....

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Merchant Account March 4, 2026 10 min read

Advance-Fee + Telemarketing Compliance: How It Impacts Payment Approvals (and What Regulators Are Focused On)

Compliance with telemarketing laws has become increasingly important for any operating business. The approval, monitoring, and termination of the merchant accounts are heavily influenced by the telemarketing compliance of the organization. Before...

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Credit Card Payments August 13, 2025 9 min read

Dispute Management: How to Track and Resolve Client Billing Issues

When money may be the lifeblood of the business world, trust is the lifeblood. And a billing dispute is the best way to test that trust. In addition to causing financial difficulties,...

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