Credit repair is CROA-regulated and telemarketing-adjacent — which is why aggregators ban it on sight. Banks that do underwrite it want to see the paperwork the law already requires you to have: written contracts, the three-day cancellation notice, and billing that happens after service. If you run compliant, you're placeable.
Compliant CROA operations price ~3.9–4.9%, often with a starter reserve. Established files with clean statements do better.
CROA-compliant contract, cancellation-notice copy, state bond where required, and your billing timing (post-service, not upfront — it's federal law).
Stripe, Square, PayPal, and most banks by default. The few that underwrite it price the paperwork, not the stigma.