Catch credit repair promises your staff should not make
Reads credit repair calls, texts and emails for promises to remove accurate negative items, guaranteed score increases, fees asked before the work is done, and advice to dispute accurate debts.
Try it on this example
Channel (call, SMS, email, web chat): Call
The whole conversation, oldest message first
- Does staff promise to remove negative items that are accurate?Yes98%
- Does staff guarantee a credit score or a time to reach it?Yes99%
- Does staff ask for payment for credit repair before the work is done?Yes98%
- Does staff tell the client to dispute a debt the client says is accurate?Yes97%
- Does the client complain about the credit repair service?No89%
These are real answers stored from one run on this example.
The prism behind it
Catch credit repair promises your staff should not make
Fields
- Channel (call, SMS, email, web chat)
- The whole conversation, oldest message first
Context
We are Lakeshore Debt Law, a consumer bankruptcy firm that also helps clients rebuild their credit after a case. The text is a conversation between our credit repair staff and a client, oldest message first; it may have no speaker labels. Our policy: staff may help a client dispute information that is wrong or out of date, but never promise to remove accurate information, never guarantee a score or a time, never take payment for credit repair before the work is done, and never tell a client to dispute a debt they know is accurate. The answers choose which conversations a compliance reviewer reads.
Questions
Does staff promise to remove negative items that are accurate? Yes / No
Yes: Staff say they can remove or erase late payments, collections, charge-offs or the bankruptcy itself without saying the item must be wrong or out of date. No: Staff talk only about disputing wrong or out-of-date items, or make no such promise.
Does staff guarantee a credit score or a time to reach it? Yes / No
Yes: Staff promise a score, a number of points, or that the client will qualify for a loan or a mortgage by a date. No: No such guarantee is given; describing typical progress without promising it is allowed.
Does staff ask for payment for credit repair before the work is done? Yes / No
Yes: Staff ask the client to pay for credit repair services up front or before results are delivered. No: No such request appears.
Does staff tell the client to dispute a debt the client says is accurate? Yes / No
Yes: Staff suggest disputing a debt or item the client has said is theirs and correct. No: No such suggestion appears.
Does the client complain about the credit repair service? Yes / No
Yes: The client says the service did not work, was not done, or was not what they were told. No: No such complaint appears.
Lens columns
remove_accurate_items, remove_accurate_items_probability, score_guarantee, score_guarantee_probability, payment_before_work, payment_before_work_probability, dispute_accurate_debt, dispute_accurate_debt_probability, client_complaint, client_complaint_probability
Run it on your own text
Add this prism in the app, change any question, and test it on a file of your own.