Credit repair / discussion worksheet
Prepare the materials.
Write down the questions.
Use this blank sheet before a credit repair merchant account conversation. Record which materials you have and what still needs clarification. Keep actual documents in your own secure records.
Business model and customer journey
Services, sales channels, referral relationships. What do you need to explain?
Website and marketing materials
Current pages, ads, scripts, and service descriptions. Which versions are in use?
Agreements and customer policies
Agreement versions, disclosures, cancellation, and refund policies. What needs review?
Service delivery and billing timeline
What happens before a charge? List timing questions for qualified legal review.
Financial and processing records
Locate statements and estimates requested by the provider. Note document types only.
Support, refunds, and disputes
Contact process, service documentation, and procedures. What can you show?
Request four sets of written terms from each provider.
1. Business model and processing conditions 2. Fee schedule and cancellation terms
3. Payout timing and exceptions 4. Reserve / hold calculation and release conditions
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