Mike Compliance Audit
CROA / Metro 2 FTC Risk Scanner
Mike's DIY templates contain 6 of 6 FTC compliance violations. Run your free CROA/Metro 2 audit, get your compliance score, and download state-specific remediation tools. DisputeBeast ($49.99/mo) has zero compliance features.
Business Compliance Scanner
Compliance Risk Meter
6-Point CROA / Metro 2 Checklist
Written consumer rights notice required before any service agreement. Mike's templates skip this entirely.
Penalty: $5,000+ per violation
Dispute letters must reference Metro 2 data field codes for bureau acceptance. Mike's DIY uses plain English only.
Penalty: Bureau rejection + wasted cycles
CA, NY, TX, GA require credit repair org licensing. Mike never mentions state requirements.
Penalty: $10K-$100K bonds + shutdown
Consumers must be informed of 3-day cancellation right. Missing from all Mike ecosystem materials.
Penalty: Contract void + refund liability
It is illegal to guarantee specific credit score improvements. Mike's marketing implies guaranteed results.
Penalty: $5,000+ FTC fine
Full FTC consumer rights statement must be provided before contract signing. Not included in DisputeBeast.
Penalty: Class action exposure $500K+
Honest Verdict
Mike DIY Approach
Consumer-only. If you're fixing your own credit and don't care about compliance, Mike's $49.99/mo templates work for basic disputes.
Agency Without Tools
Running an agency on Mike templates = FTC lawsuit waiting to happen. Missing CROA disclosures alone can trigger $5K+ fines per client.
CreditAIPro (Free)
71 free tools including CROA checker, Metro 2 translator, contract generator, and this audit. Full compliance stack at $0/mo.
Frequently Asked Questions
Related Compliance Tools
Affiliate Disclosure & Methodology
CreditAIPro earns commissions from Credit Repair Cloud referrals. Mike the Credit Guy / DisputeBeast is an independent product we review honestly. Compliance gaps are assessed against published CROA (15 USC 1679), FCRA, and state-level credit repair organization laws. This tool provides educational guidance, not legal advice. Consult a licensed attorney for compliance decisions specific to your jurisdiction.