From confusion
to clarity in 8 steps
ScorePros AI takes your raw credit data and transforms it into actionable intelligence. Here’s exactly how the platform works — from first connection to tracked outcomes.
Connect your credit report
Securely connect through our credit data provider to import your 3-bureau credit reports. We never store your bureau credentials. OAuth-based consent flow protects your data.
Data normalization
Your reports are parsed and normalized into a unified schema — tradelines, collections, inquiries, public records, and personal information. Every import creates an immutable ReportSnapshot.
Rules engine analysis
Our deterministic rules engine (11+ rules in v1) scans every data point. Each finding includes a confidence score, severity level, allowed actions, and plain-English dispute angles. AI doesn't invent findings — rules do.
Your Credit Map
See your results: top negative drivers, number of dispute-eligible items, credit building gaps, and security recommendations. This is your first "clarity moment."
Choose your path
Based on your Credit Map, choose: Fix What's Wrong (disputes), Build What's Missing (credit building), or Optimize for a Goal (mortgage/auto/apartment/business readiness).
AI drafts compliant letters
AI generates dispute packets using only rules-engine dispute angles and approved templates. You review, edit, and approve every letter before it goes anywhere. No auto-sending.
Send via mail or download
Download your packets to mail yourself, or use our integrated print-and-mail service with tracking numbers and delivery confirmation.
Track outcomes across rounds
When you re-pull your report, our SnapshotDiff engine automatically detects what changed — deletions, updates, verifications. Cases and items update. Round gating prevents re-disputing without new evidence.
Start with a free credit scan
See what your credit data reveals. No credit card required.
Get Started