The round one letters went out three weeks ago. Since then the client has texted "any update?" twice, your case manager has answered "still waiting on the bureaus" twice, and the card on file declines at the next billing date. Credit repair loses clients in the gap between mailing a dispute and hearing back, and that gap is written into the law: the bureaus get 30 days, sometimes 45, and the answer lands in the client's mailbox rather than yours.
This is the texting cadence that fills the gap: a specific message for day 0, 30, 45 and 60 of every round, and a three-step sequence for the client who stops answering in month two. The Credit Repair Organizations Act and consent shape the wording, and they get one section near the end. If you are still getting an ID and a credit report out of a new client, start with the onboarding playbook and come back here for round one.
The clock every text is pinned to
Under the Fair Credit Reporting Act, a bureau has to complete its reinvestigation within 30 days of receiving the dispute. If the consumer sends relevant information during those 30 days, the bureau may take up to 15 more, and the CFPB's guidance also gives it 45 days when the dispute follows a free annual report. Once finished, the bureau has five business days to send written results, and anything it cannot verify has to be deleted or corrected.
Two things about that clock change how you text. First, it starts when the bureau receives the letter, not when you mailed it, so log the receipt date for every dispute and schedule the round's texts off it. A day-30 text sent 30 days after mailing lands a week early. Second, the results go to the consumer, so your next round cannot start until the client has shown you the letter. The most useful thing your texting does all month is get that letter photographed and sent to you the day it arrives.
Day 0: the letters are out
Send this the day the letters are mailed, naming the counts so the client can see the work.
Hi [First name], it's Dana at Northstar Credit. Round 1 dispute letters went to all three bureaus today: 4 items at Experian, 3 at Equifax, 3 at TransUnion. They have 30 days to respond, sometimes 45. Nothing to do now except one thing: if a letter arrives from any bureau, take a photo and text it to this number. Reply STOP to opt out.
The reply to watch for is "will these come off?" The answer never promises an outcome: you disputed the items, a bureau that cannot verify an item has to delete it, and you will text the result the day you see it. No reply here is normal and needs no chase.
Day 30: the checkpoint before the results arrive
Trigger: 30 days after the logged receipt date, scheduled on the day you log it. This is when the client starts wondering, so the text turns the question into a task.
[First name], today is day 30 on your round 1 disputes. Results usually arrive by mail over the next two weeks, and some bureaus post them online. Please check your mail each day and text me a photo of any bureau letter the day it comes. Nothing else to do. Dana, Northstar.
When a photo arrives, the account moves to "results in." Acknowledge it the same business day and promise the breakdown by tomorrow. When nothing arrives, do nothing. Silence at day 30 means the mail has not come, and a second nudge reads as pressure.
Day 45: results in, or results overdue
The day 45 text has two versions.
Results are in from at least one bureau. Report counts, not adjectives.
Round 1 results from Equifax: 2 of 3 items deleted, 1 verified. Verified is not final. That item goes into round 2 with new documentation once Experian and TransUnion respond, or by day 60 if they don't. Questions? Reply here. Dana.
Nothing from one or more bureaus. Ask for two checks and give the client a one-word reply.
[First name], we're at day 45 on round 1 and I haven't seen a TransUnion letter yet. Two quick checks: any bureau mail you haven't opened, and have you logged into your TransUnion account online? If there's truly nothing, text me NOTHING and I'll follow up with the bureau from my side.
NOTHING puts the account on your bureau follow-up list. A photo puts it back on the results track. No reply is the first sign of the month-two problem below.
Day 60: round two launches with the monthly update
Day 60 is your cutoff, not the bureaus'. Round two letters go out for the verified items, and the text announcing it doubles as the monthly update.
Monthly update, [First name]. Since you started on Sept 2: 10 items disputed, 5 deleted, 3 verified, 2 still pending. Round 2 letters for the 3 verified items go out tomorrow with new documentation. Next checkpoint is day 30 of round 2, which I've set for Nov 25. Text me anything you receive in the meantime. Dana.
The numbers come from the file, so the client has something concrete for the fee. There is no score claim, and the next date is named, which stops "any update?" from arriving on day 12. When the reply is "my score went down," do not explain scoring models by text. Offer a ten-minute call with two time options.
Month two: the client who goes quiet
The pattern: two months paid, mixed round one results, no reply to the day-45 text, and the next event is a declined card. Three messages over ten days, each with one thing to reply to.
Message 1, three days after the unanswered update.
[First name], I haven't heard back on your round 1 results. Quick check: are you still getting mail at the address on your file? If anything has changed, a one-word reply is enough and I'll sort it out.
Message 2, three days later.
One thing worth knowing: the 3 items that came back verified are exactly what round 2 is for, and I can't start it until I see your TransUnion letter. If you'd rather talk it through, reply CALL and a time that works.
Message 3, seven days after that. The honest close.
[First name], I'm pausing round 2 until I hear from you, so no work goes out that you haven't seen. Reply RESUME when you're ready. If you'd like to stop altogether, tell me here and I'll close your file and confirm it in writing. Dana, Northstar.
The honest close is the message operators most want to skip. A client who is told they can stop usually says so, and a clean stop costs less than a chargeback. A client who was simply overwhelmed replies RESUME.
Who answers, and how the sends go out on time
One case manager owns the replies for their own book. Replies land in the Android Texter dashboard inbox, threaded by client, so whoever covers a day off sees the whole history, and photos of bureau letters arrive in the same thread as MMS. A case manager who also texts from their own Android handset pairs it as a second device, and both lines share one inbox.
Build quick replies for the weekly questions: "any news?", how to send a bureau letter, the score-moved reply, and the request to pause a month. Slash shortcuts expand to the full response.
Schedule the day 30, 45 and 60 texts the moment you log the receipt date, from the composer's scheduled-send picker or the API's RFC 3339 scheduled_at field. Scheduled messages are listed at /dashboard/scheduled, where you can edit or cancel them. When a bureau answers early, cancel the day-30 checkpoint and send the results text instead. A checkpoint that fires after the results arrived tells the client nobody is watching their file.
Track two numbers per case manager: letter return time, the days from the day-30 text to a letter photo in the inbox, and month-two retention, clients still active at day 60 of round one.
The rules that shape the wording
The Credit Repair Organizations Act bars any untrue or misleading statement about a consumer's creditworthiness and any misleading representation of your services, and it bars charging for a service before it has been fully performed. That is why every template above says disputed, deleted, verified or pending, and never "removed," "guaranteed" or a point figure. A consumer may cancel until midnight of the third business day after signing, so a "cancel" text from someone who enrolled yesterday is a cancellation, and the case manager treats it as one.
The TCPA applies in full. Consent to text is collected at enrollment for the number the client gives you, every message carries a way to opt out, and STOP ends the sequence. Android Texter can match the STOP keyword with an auto-reply rule, but it keeps no suppression list and nothing in the send path checks for a prior opt-out, so building and honoring that list is your responsibility. The opt-out rules article covers what counts as a STOP, and the credit repair compliance article covers the FTC and carrier side.
Aggregators file credit repair next to debt relief, and debt relief produces headlines. On October 22, 2026 the FTC announced that a federal court had permanently shut down Accelerated Debt Settlement with a $106.8 million default judgment over alleged impersonation of banks and government agencies and illegal advance fees. A 10DLC campaign reviewer who sees "credit" and "dispute" in your sample messages is thinking about that case. Android Texter routes your messages through your own Android handset as person-to-person SMS, outside the A2P 10DLC campaign classification. The TCPA, CROA and your consent records are unchanged, and nothing about the channel reduces your legal exposure.
Frequently Asked Questions
How often should a credit repair company text a client?
Pin it to the dispute clock: day 0, 30, 45 and 60 of each round, plus a same-day reply to anything the client sends. The day-60 text doubles as the monthly update. Texts without news read as filler and train clients to ignore the ones that matter.
Can I text a client that an item will be removed?
No. The Credit Repair Organizations Act bars untrue or misleading statements about creditworthiness and misleading representations of your services. Say what you did (disputed), what the bureau did (deleted or verified) and what happens next. State only outcomes printed in a bureau letter you have read.
What if the client never forwards the bureau letter?
Use the day-45 overdue text, then the three-message silence sequence, and point them to the bureau's online account as a second route. If there is still nothing, pause round two and say so. A new round without the last round's results is guesswork you cannot honestly bill for.
Does sending from an Android phone change my TCPA or CROA obligations?
No. Routing through your own handset as person-to-person SMS takes you outside the A2P 10DLC campaign regime, where credit repair campaigns get refused or throttled. Consent, opt-out handling, CROA disclosures, the cancellation right and the advance-fee ban apply exactly as with any provider.
Run the next round off this
Pick one case manager's book, log the receipt date on every open dispute, and schedule the day 30, 45 and 60 texts tonight. Then watch letter return time for one round. That number shows whether the cadence works before anything else moves.
Android Texter gives a credit repair team a shared inbox, scheduled sends, quick replies and inbound MMS on a line you already own, with no campaign to register. Pair the handset, schedule the first checkpoint, and send the day 0 text.