How we stay
compliant by design
Compliance isn’t an afterthought at ScorePros AI — it’s the architecture. Every feature, every rule, every AI output is built around these non-negotiable principles.
Non-negotiable principles
No outcome promises
ScorePros AI never promises that disputes will be successful, that items will be removed, or that your score will improve by a specific amount. Credit outcomes depend on many factors outside the platform's control.
No disputing accurate information
The platform does not encourage or facilitate disputing information that is accurate. The rules engine identifies potential inaccuracies, inconsistencies, and reporting anomalies — not items you simply don't like.
User-directed actions only
No auto-dispute. No bulk-dispute. No "dispute everything" button. You must select each item individually, review the finding, and approve the action. The system is armed but never fires autonomously.
AI cannot invent dispute reasons
AI explains findings and drafts letters, but it only uses dispute angles identified by the deterministic rules engine. AI cannot introduce new reasons, make legal threats, or guarantee outcomes.
Full audit trail
Every action in the system is logged in an immutable, append-only audit log. Who did what, when, and why — traceable to the rule_id, finding_id, and template_id. These logs cannot be modified or deleted.
Data minimization
AI never sees raw credit report data. It only receives normalized, whitelisted fields and rule engine findings. PII is stored separately from analytics. We practice data minimization at every layer.
No credential storage
We never store your bureau login credentials. Credit data is accessed through a secure OAuth-based consent flow. Your credentials never touch our servers.
Round gating and cooldowns
The platform enforces round gating: repeat disputes require new evidence, new inconsistencies, procedural failures, or different supported angles. Default 30-day cooldown between rounds prevents abuse and frivolous disputes.
Regulatory awareness
ScorePros AI is designed with awareness of the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and state-level consumer protection regulations. All platform language, disclosures, and processes reflect compliance best practices.
ScorePros AI is a technology platform that provides tools and information. It is not a law firm and does not provide legal advice. Users with complex legal situations should consult a qualified attorney.
Questions about compliance?
We take compliance seriously. If you have questions, reach out.
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