Credit repair that doesn’t look like the rest.
Credloom pairs airtight compliance with audit-ready paper trails — for first-time visitors shopping the credit repair market and for partners running restoration under their own brand. $0 upfront. Billed monthly, in arrears. No score-outcome promises — only a diligent dispute process and an honest record of what was done.
What we built and why
Four pillars. One posture.
Most of the credit repair market runs on glossy removal claims and high-pressure sales. We are built around four ideas instead — and every operational decision since intake has been measured against them.
Pillar 01 · Honest credit repair
Honest credit repair, by design.
We only challenge items we can substantiate as inaccurate, incomplete, or unverifiable on your report — never accurate negatives, never unsupported disputes. Every letter is grounded in FCRA §1681i, the real statute, not in marketing copy.
- Auto-drafted letters grounded in bureau-side grammar, not template farms.
- Each item carries a cite and the evidence pulled from your report.
- No script that promises a score outcome or a removal the law forbids.
- Audit-ready case file you can hand to a lender or a regulator.
Pillar 02 · CROA & FCRA compliance
CROA and FCRA, by design.
Compliance is the product. Conformed contracts, written right-to-cancel, itemized disclosures, refund handling that survives an enforcement sweep, and case-file retention measured in years — not months. We are built so clients grow without becoming the next enforcement headline.
- No prohibited upfront fees — billing monthly, in arrears only.
- Right-to-cancel notice and itemized disclosures on every agreement.
- Statutory three-day cancellation window enforced at intake.
- Bureau investigations capped at the 30-day FCRA §1681i clock.
Pillar 03 · Transparent pricing
Transparent monthly pricing.
Federal law prohibits charging for credit repair before services are performed, and so do we. One subscription, billed monthly after each month of service is delivered. No setup fees, no add-ons, no tier-bait. Cancellation ends billing the same day we receive written notice.
- $0 upfront — CROA requires it, and we built the billing model around it.
- Monthly in arrears: first bill arrives after first month of service.
- One plan, one line item, no surprise upgrade prompts.
- Cancel in writing any month and billing stops that day.
Pillar 04 · Real humans behind every case
Real humans behind every case.
A human reviewer reads every intake, replies within one business day by email, and a case lead signs off on every dispute letter before it is mailed. The paper trail is built by people — not pushed through a chatbot.
- Intake reply from a human reviewer within one business day.
- Case lead reviews every letter draft before it is sent.
- Email support from the same reviewer who opens your case file.
- No auto-responders, no high-pressure sales loops, no card-required signup.
For partners
Run credit restoration under your brand.
Attorneys, financial coaches, and credit counselors can offer compliant credit restoration under their own brand — using the same dispute engine, bureau tracking, and CROA backbone this site is built on. The full program lives on the white-label partners page.
White-label channel
The partner program, in one paragraph.
Run credit restoration under your own logo, your own agreement, your own client portal — backed by the dispute engine and compliance stack this site is built on.
Your brand, our engine
Your clients sign your agreement. Your portal. Your logo. Our dispute engine, bureau tracking, and compliance backbone.
Compliance by default
Every disclosure, letter, and refund workflow is built to the same CROA / FCRA baseline — without your team having to maintain it.
Margin you can model
Recurring revenue on a service your clients already need. We bill you; you price it.
Two ways to start
Pick the path that fits where you are.
A committed visitor sees transparent pricing and the three-day right-to-cancel right at the top of the order page. A first-time visitor sends a short note and gets a written review of their three-bureau reports before any contract is signed.
For committed visitors
See pricing — one transparent monthly subscription.
$0 to start. Billed monthly, in arrears, after each month of service is delivered. Three-day cancellation right written into every agreement.
- $0 upfront — CROA requires it.
- One plan, billed after service.
- Cancel in writing any month.
For first-time visitors
Free credit-report review — no card required.
Send a short note about what you want us to look at, plus a PDF if you have one. A human reviewer reads your reports and replies within one business day. Room to decide before any contract is signed.
- Free, no signup, no obligation.
- Written reply in one business day.
- Nothing is billed before you decide.
Why we exist
Honest credit repair is the only credit repair that should exist.
The credit repair market has roughly 69,000 operators and almost no differentiation. Most of them compete on removal claims the law doesn’t let them make, on outcomes they can’t control, and on contracts that survive an enforcement sweep only by accident. We are built around the inverse: an audit-ready case file behind every dispute, contracts the law actually allows, and a position that doesn’t depend on glossy numbers. If that is what you came here looking for, you have two ways out — see pricing or start a free review.