Stop guessing
what to do with
your credit.
1 in 5 Americans has a credit report error significant enough to affect their score. ScoreVera identifies yours and generates FCRA-compliant dispute letters in minutes — no lawyer, no credit repair company needed.
of credit reports contain at least one error
FTC Studydays — legal window for bureaus to investigate
FCRA § 611points gained in a single 30-day round
Founder proofto upload your report and see what is wrong
Free tierThis is not credit repair.
No service. No random templates. ScoreVera takes a confusing report and turns it into a structured workflow — what to challenge, what to leave, what to send next, and when.
See exactly what is on your report and what actually matters. Not everything negative is actionable — we show you the difference.
Know what to send and when. The system controls sequencing so you don't jump ahead, fall behind, or miss a deadline.
If it is wrong, challenge it correctly. If it is right, handle it properly. Either way, the system keeps you moving with a process that holds.
How it works.
You do not need to become an FCRA expert. You need a system that prevents the mistakes that make disputes fail.
Pull your report from AnnualCreditReport.com — all three bureaus. Upload the PDF to ScoreVera. Nothing is stored long-term.
Accounts found: 23
Flagged: 7 items
The system identifies negative items — collections, charge-offs, late payments, errors — and categorizes them by type and actionability.
✗ Charge-Off — CapOne
! Late Pay ×3 — Chase
✓ Auto Loan — OK
ScoreVera generates FCRA § 611-compliant letters for each selected item — matched to the correct bureau, with the right legal language for that dispute type.
→ Bureau: Equifax
→ Type: Verification
✓ Ready to export
Print and mail via certified mail with return receipt. You stay in control. ScoreVera gives you everything you need to do it right.
Track #: USPS logged
Clock starts: Day 1
Under FCRA § 611, bureaus must complete investigations within 30 days. ScoreVera tracks each round, alerts you when to follow up, and guides the next step.
Status: Under review
Next: Await response
Escalation: Day 31
Simple. One plan. No surprises.
Start free to see what is on your report. Upgrade to $29/mo when you are ready to take action. Cancel anytime.
See exactly what is wrong before you commit.
- Upload your credit report
- Identify all negative items
- Understand what needs action
- Dispute letter generation(locked)
- 30-day investigation tracking(locked)
Everything you need to dispute, track, and win.
- Unlimited dispute letters
- All letter types — all 3 bureaus
- 30-day FCRA investigation tracking
- Round 2 escalation guidance
- Export & mail-ready letters
- Cancel anytime, no contract
No install. No credit card required to analyze. Upgrade in seconds when you are ready to fight back.
People who ran the process.
“I had a medical collection from 2019 I didn't even recognize. Disputed it through ScoreVera and it was gone in 34 days. My score jumped 61 points.”
“I always thought you needed a lawyer or a credit repair company to do this. You don't. I did it myself in a weekend and had letters out to all three bureaus by Monday.”
“I'd been trying to fix my credit for two years on my own and barely moved the needle. One round with ScoreVera knocked off three accounts. The difference was doing it in the right order.”
“The thing I kept getting wrong before was timing. I was following up too early, which reset the 30-day clock. ScoreVera told me exactly when to send each follow-up. That changed everything.”
“I was embarrassed to talk to anyone about my credit. This let me handle it myself, privately, at 11pm after the kids went to bed. No judgment. Just the process.”
“I tried three other apps before this one. They all gave me a score and a generic tip. ScoreVera told me exactly what to write and who to send it to. Night and day.”
Things people wonder before they start.
I don't know if this is official enough to actually work.
I had the same doubt. What changed my mind was realizing this isn't some loophole — it's federal law. The FCRA gives every American the right to dispute inaccurate information on their credit report. Bureaus are legally required to investigate. ScoreVera just makes sure you do it the right way, so they can't brush you off.
I'm scared I'll do it wrong and make things worse.
That's the most common thing people tell me. And honestly, it's the reason I built this. The system tells you exactly what to send, which bureau to send it to, and when to follow up. You're not guessing. You're following a process that's already been figured out.
I don't want to pay for software I have to figure out.
This isn't like that. You log in, upload your report, and the system walks you through what's on it and what to do next. Most people have their first dispute letter ready in under 20 minutes. No setup. No manual to read.
What if the results don't last?
Legitimate disputes — items that are wrong, outdated, or unverifiable — don't come back once they're removed. The bureaus can't just put them back. What the system does is make sure your disputes are airtight so you get real removals, not temporary ones.
This works when it is done correctly.
Most people just don't do it correctly. They send random letters. Too many. Too fast. Or they stop too early.
ScoreVera fixes that. It tells you what to send, controls the timing, and tracks what happens next.
- Sending random letters found online
- Wrong timing and sequencing
- No tracking, no follow-through
- Stopping before the process is done
- FCRA-compliant letters for each situation
- Controlled sequencing and timing
- 30-day investigation tracking
- Clear next step, every round
Questions people ask before they start.
No. ScoreVera is software. You run your own dispute process using the right tools, letters, and timing. Not a service — a system.
No. ScoreVera runs entirely in your browser. Log in, upload your report, and follow the steps. Nothing to download.
No. Nothing legitimate should promise that. ScoreVera gives you structure, correct letters, and tracking. Results depend on what is actually on your report and whether the disputes are valid.
Templates without timing, sequencing, and tracking are exactly how people do this wrong. A letter is only one piece. The process — what you send, when, to whom, in what order — is everything.
No. Monthly billing. Cancel anytime. If you use it, it works. If you don't, cancel it.
Every month your score stays low
costs you in higher interest.
Upload your report. See what is dragging your score down. Generate your first dispute letter in under 20 minutes — free, no credit card required.