Case Study: Credit Repair Company Rebuilds After Natural Disaster with High Risk Merchant Bank
Client Overview
This established credit repair company had built a strong reputation offering performance-based services —only billing clients when derogatory items were successfully removed from their credit reports. With a transparent, ethical model and exceptionally low chargebacks, they never had issues with their payment processors during regular operations.
Their approach led to:
- Strong client retention and satisfaction
- Low dispute ratios
- High trust with their original processors
The Unexpected Challenge
In what should have been a stable, growing business, disaster struck:
A major storm caused flooding that severely damaged the company’s call center and headquarters. Operations were forced to shut down for over nine months, halting all services while they focused on rebuilding.
When they were finally ready to relaunch, the team expected to resume where they left off. But the landscape had changed.
Despite their clean processing history, previous processors refused to re-board them due to:
- The company’s long period of inactivity
- The high-risk classification of the credit repair industry
- A changed underwriting environment post-COVID and post-disaster
They found themselves locked out of payment solutions—right when they were ready to restart.
The Solution: High Risk Merchant Bank
That’s when they turned to High Risk Merchant Bank , a trusted provider specializing in high-risk verticals with deep experience in the credit repair and financial services sectors.
HRMB understood both the business model and the unique circumstances—and worked quickly to get them back online.
High Risk Merchant Bank provided:
- A reliable high-risk merchant account tailored for performance-based credit repair
- Zero rolling reserve, based on their strong past track record
- Fast, supportive onboarding to get their new call center up and running
- Gateway and CRM integration, ensuring a seamless return to operations
- Chargeback management tools and compliance guidance to support long-term success
The Results
With High Risk Merchant Bank’s help, the company successfully relaunched operations—and came back stronger:
- Full processing restored in days, not months
- Smooth relaunch of call center billing operations
- Improved cash flow and payment consistency
- A stable, high-risk-friendly processor they could count on going forward
- Foundation built for scaling operations, including new product launches and financing options
Conclusion
This case proves that even good businesses with strong histories can hit roadblocks—especially in high-risk industries. But when the right partner steps in, recovery is not just possible—it’s scalable.