AI-Powered Credit Intelligence

See what’s on your credit —
and what you can dispute.

Rules-engine analysis of every tradeline, collection, and inquiry across all three bureaus. Plain-English findings ranked by confidence and impact. You approve every dispute letter — no auto-disputing, no promises we can’t keep.

Built by the Score Pros team. Private beta.

No credit card required. Credit report scan included.

3
Bureau Reports Analyzed
11+
Rules in Engine v1
3
Action Paths
100%
User-Directed
Rules-First EngineCompliance-FirstAI-AssistedNo Auto-DisputeFull Audit Trail
The Problem

Why existing DIY credit tools fail

Most “credit repair software” does one thing: generate generic dispute letters. That’s not intelligence. That’s a mail merge.

No real analysis

They don’t actually analyze your credit data. They just dispute everything and hope something sticks.

No compliance guardrails

They encourage disputing accurate information, which is unethical and can backfire. No rules engine. No confidence scoring.

No tracking or intelligence

They can’t detect what changed after a dispute. No outcome tracking. No round management. No strategy.

ScorePros AI is different. It’s rules-first, AI-assisted, and user-directed.

The Platform

How ScorePros AI works

Four steps from confusion to clarity.

Step 1

Import

Connect securely to pull your 3-bureau credit reports. We normalize the data into a unified, analyzable format.

Step 2

Analyze

Our deterministic rules engine scans every tradeline, collection, inquiry, and record — flagging potential issues with confidence scores.

Step 3

Act

Choose your path: Fix what’s wrong, build what’s missing, or optimize for a goal. You select every item. You approve every action.

Step 4

Track

Monitor dispute outcomes across rounds. Our diff engine detects what changed when you re-pull your report. Full history. Full audit trail.

Choose Your Path

Three ways to take action

Every user’s credit situation is different. ScorePros AI gives you three clear paths based on what you need.

🔧Path A

Fix What’s Wrong

Dispute eligible items that may be inaccurate, outdated, or unverifiable. Each item shows why it was flagged, confidence level, and required evidence. You select each item manually.

Learn about disputes →
📈Path B

Build What’s Missing

No disputing here. AI recommends utilization adjustments, payment sequencing, credit mix improvements, and timing strategies to strengthen your profile over time.

Learn about building →
🎯Path C

Optimize for a Goal

Mortgage readiness. Auto loan prep. Apartment approval. Business funding. AI generates a gap analysis, timeline plan, and tells you what NOT to touch yet.

Learn about goals →
Different by Design

This is not another “dispute everything” tool

What ScorePros AI does

  • Analyzes your credit data with a deterministic rules engine
  • Assigns confidence scores to every finding
  • Explains issues in plain English with AI
  • Requires you to select and approve every action
  • Tracks outcomes across multiple dispute rounds
  • Maintains a full, immutable audit trail
  • Offers building and goal-planning — not just disputes

What it never does

  • Auto-dispute or bulk-dispute items
  • Encourage disputing accurate information
  • Promise outcomes or timelines
  • Let AI invent dispute reasons
  • Store your bureau credentials
  • Use fear or urgency to pressure actions
  • Skip compliance for convenience
Under the Hood

A rules engine, not a guessing engine

ScorePros AI runs deterministic rules on your normalized credit data. AI doesn’t invent findings — the rules engine does. AI explains them.

TR-01

Status vs Balance Contradiction

Account shows “Paid/Closed” status but reports an outstanding balance. Confidence: 90–100.

TR-04

DOFD Re-aging Risk Flag

Date of First Delinquency moved forward across report snapshots — potential re-aging violation. Confidence: 90–100.

TR-05

Duplicate Tradeline Detection

Same account appearing multiple times across or within bureau reports with different details. Confidence: 70–89.

PI-01

Personal Info Cross-Bureau Mismatch

Name, address, or SSN variations across bureaus — potential mixed file risk. Confidence: 70–89.

11+ rules in Engine v1. Each outputs severity, confidence, allowed actions, evidence requirements, and plain-English dispute angles.

Is This For You?

Who ScorePros AI is built for

This platform is for you if:

  • You want to understand your credit at a data level
  • You prefer to handle things yourself with intelligent tools
  • You want to know WHY something is on your report before acting
  • You value compliance and accuracy over speed
  • You’re comfortable reviewing findings and making decisions

This platform is not for you if:

  • You want someone else to handle everything for you
  • You’re looking for a “dispute everything” button
  • You want guaranteed outcomes or timelines
  • You’re not willing to review and approve individual actions
Get Started

Your credit data. Your rules. Your decisions.

ScorePros AI gives you the intelligence to understand your credit and the tools to take action — compliantly, confidently, and on your own terms.

Get Started

Credit report scan. No credit card. No auto-disputes.