This bill, titled the "Ending Scam Credit Repair Act," significantly amends the Credit Repair Organizations Act to enhance consumer protections against predatory practices within the credit repair industry. It redefines credit repair organizations, clarifying what constitutes consideration for services and providing specific exemptions for attorneys offering legal services related to bankruptcy or consumer credit protection cases under certain conditions. A major provision prohibits credit repair organizations from requesting or receiving payment until they can provide documented proof, in the form of a consumer report issued at least 180 days after the service, that the promised credit improvement or derogatory information removal has been achieved. The bill also bans a practice known as "jamming," which involves submitting multiple disputes of the same information without new evidence or allowing sufficient time for investigation. Furthermore, the legislation mandates that, beginning January 1, 2026, all credit repair organizations must be licensed by a State to operate. It introduces new disclosure requirements, including a statement informing consumers that they can perform credit repair services themselves for free, and expands the retention period for consumer communications and recordings to five years. The bill establishes detailed requirements for how credit repair organizations must communicate with furnishers of information, including specific labeling for mail, disclosure of the organization's name and state license number, and a mandatory disclosure on all dispute letters. Finally, it strengthens enforcement by adding a statutory damage of $500 for each violation of the Act, alongside existing provisions for actual damages.