Every negative item gets its day in court.
ScoreGuard reads your tri-merge report the way a consumer attorney would, reviewing every tradeline, every inquiry, and every cross-bureau inconsistency. It then drafts, mails, and tracks statute-grade disputes until your file is clean.
ScoreGuard reads a tri-merge report the way a consumer attorney would, reviewing every tradeline, every inquiry, and every cross-bureau inconsistency. It then drafts, mails, and tracks statute-grade disputes across your entire book of business.
No advance fees CROA & FCRA aligned Audit trail on every action
The live console opens with sample demo data. No sign-in needed.
One negative item, start to finish.
Follow a single disputed account through the whole case: three bureau reports in, the cross-bureau mismatch ScoreGuard catches, the statute-cited letter, then certified mail through to a deleted item. Drag to explore; it narrates itself.
Trusted by 1,000+ credit-repair business owners
A full dispute round, in 90 seconds.
See the engine run an actual round, stage by stage, from a raw tri-merge report to a deletion letter in the mailbox.
Real MP4 video · simulated console session · swap in your own footage anytime with the same frame and controls
Built around your file.
Built to run files for a living.
The same engine powers both sides, and you can switch above anytime. Half our operators started as clients.
Repair your own credit.
Run your own tri-merge through the same audit engine the professionals use. You get plain-language guidance for every round, backed by the law.
- Full ScoreGuard audit of every tradeline, inquiry, and remark in your tri-merge report
- Guided dispute rounds with letters generated, tracked, and clocked for you
- Twelve-bureau freeze & opt-out suite to lock your data down
- Plain-English explanations of every statute working for you
See how this compares to DIY credit repair →
Run credit repair at scale.
The operator console, mailroom, CROA gate, and the rest of the platform are built for agencies, mortgage brokers, and independent operators running real books of business.
- Unlimited-depth client files with per-bureau score gauges and round history
- Batch letter generation in DOCX and PDF, with unique phrasing for each bureau and client
- Mailroom lifecycle: draft → queued → mailed → responded, nothing slips
- CROA compliance enforced in code, with an audit trail that builds itself
From raw report to bureau response in one pipeline.
Five stages. Each one instrumented, each one visible in your console, each one built around what the statutes actually require.
Ingest the tri-merge
Upload any text-based or image-based tri-merge. OCR normalizes every tradeline, inquiry, and remark across all three files.
SmartCredit-readyScoreGuard audit
Every derogatory item, 30-day late, closure remark, and unauthorized pull is scored, categorized, and mapped to its statute.
Full-file coverageLetter generation
First-person consumer voice, sworn declarations under 28 U.S.C. § 1746, per-bureau phrasing variation.
DOCX + PDFMailroom
Draft, queue, and mail with a full status chain per letter, per bureau, per client. Nothing slips between rounds.
Draft → RespondedResponse tracking
Reinvestigation clocks run automatically. Deletions and stalls are logged, then the next round drafts itself from the outcome.
30-day clocksHuman file reviews miss things. The engine doesn't.
Most credit repair software disputes the obvious collections and calls it a day. ScoreGuard audits the way litigation gets built, including the items nobody else flags.
Drag the line. See the round land.
The same client file, one dispute round apart. Left is the report that came in. Right is the report after the bureaus answered.
Illustrative example of one file. Individual results vary, and no specific outcome is guaranteed under CROA.
Reinvestigation. Bureaus have 30 days. ScoreGuard runs the clock on every letter and drafts the follow-up the day it expires.
Maximum possible accuracy is the standard every tradeline must meet and the lever behind every cross-bureau dispute we file.
The rules for credit repair organizations are more than a checkbox at signup. They are a hard gate in the product that unlocks the engine.
Sworn declarations under penalty of perjury, embedded in every letter. Bureaus can't wave these off as template mail.
Four rungs up. Each one louder.
Most tools stop at the dispute letter. When a bureau "verifies" without proof, ScoreGuard moves to the next step with the evidence already packaged from your file.
▶ Watch the climbMethod of Verification
§ 1681i(a)(6)(B)(iii)Bureau says "verified"? Demand to see how. The statute requires them to show their work, and most cannot.
CFPB Complaint
Federal docket · paper trail attachedA federal complaint with your certified-mail history attached. Bureaus answer the CFPB in ways they never answer the mailbox.
State AG / FTC
Pattern evidence, pre-packagedRegulators enforce the FCRA at scale. Export your file's timeline, letters, and non-answers as one exhibit.
Attorney Referral
§ 1681n / § 1681oWillful noncompliance means statutory damages, punitive damages, and fees. The file leaves ScoreGuard litigation-ready.
Your whole book of business, one screen.
Per-client files, live score gauges across all three bureaus, and a dispute queue with the full lifecycle of every letter. Built for operators running dozens of files, not consumers clicking one button.
Operators who run on ScoreGuard. Clients who got their names back.
Every file in the mailroom is a person trying to buy a house, finance a truck, or stop paying for someone else's mistake. These are their operators.
What operators say.
"Three collections that were never mine came off in two rounds. The letters cited statutes I didn't know existed, and the bureaus answered them."
"The audit caught a late that only showed on one bureau. It got disputed at all three and was deleted everywhere within a month."
"After my identity was stolen I froze my data at twelve bureaus in one afternoon. VIP's § 605B blocks did what two years of phone calls couldn't."
"The cross-bureau audit found lates my old software never surfaced. First round, two deletions on items I would have skipped entirely."
"The CROA gate sold me. My contracts, disclosures, and cancellation windows are timestamped before the engine even unlocks. That's my audit trail."
"Letters read like a person wrote them because, statutorily, they did. Each one included a sworn declaration, and stall rejections dropped off a cliff."
"I moved 60 files over in a weekend. The mailroom lifecycle view alone replaced the spreadsheet I'd been living in for two years."
"The 30-day clocks run themselves. The day a reinvestigation window expires, the follow-up letter is already drafted and waiting in the queue."
"Twelve-bureau freeze suite in one pass. Each ID-theft client used to take me a full day of paperwork. Now it takes twenty minutes."
The honest comparison nobody else publishes.
Same market, different machines. See exactly where the engines differ and verify every row yourself.
Competitor pricing and features as published July 2026. Verify current terms with each vendor before relying on this table. See our full AI credit repair software comparison for 2026 → and how ScoreGuard stacks up against traditional credit repair companies →.
The dispute engine stays locked until the law is satisfied.
Credit repair is one of the most regulated corners of consumer finance, and most software treats that as fine print. ScoreGuard treats it as architecture: the CROA gate is enforced in code, before a single letter can be drafted.
That protects your clients and you. Every disclosure served, contract executed, and cancellation window honored is logged and timestamped. If a regulator or an attorney ever asks, your paper trail is already built.
Because CROA prohibits promising specific results, ScoreGuard never generates a guarantee. It disputes what is inaccurate, incomplete, or unverifiable, exactly as the law entitles every consumer to demand.
See exactly how the CROA compliance gate works →
Written contract, executed first
Services, terms, and total cost in writing before any work begins.
Consumer rights disclosure
The mandatory "Consumer Credit File Rights" statement, served and acknowledged.
Three-day cancellation window
The platform clock enforces the window, so the engine will not unlock early.
No advance fees
Billing is structured so charges follow performed work, never precede it.
No result guarantees
Generated copy and letters are constrained to what the FCRA actually provides.
You're handing us a credit report. We act like it.
A credit file is the most sensitive document most people own. Here's how it's handled.
Encrypted, both directions
Reports and letters are encrypted at rest (AES-256) and in transit (TLS 1.2+). Nothing moves in the clear.
Isolated per file
Every client file is isolated per operator. Consumers can only see their own file in the portal.
Immutable audit trail
The Document Vault creates a tamper-evident log of contracts, disclosures, letters, responses, and every action taken.
Your data, not our product
Credit data is never sold, shared, or used to train models outside your workspace. Delete your file, and it's gone.
Priced per file, not per promise.
Every plan includes the full audit engine and statute-grade letter generation. Pick your side of the table.
Audit
- Bureau dispute letters for Equifax, Experian, and TransUnion
- One dispute round per month · up to 3 items, all three bureaus
- Full ScoreGuard audit of your tri-merge report
- Every negative item & inquiry flagged, with the statute that fights it
- Downloadable audit report (PDF) · freeze & opt-out guide
Repair
- Everything in Audit
- Bureau disputes + direct creditor letters (§ 1681s-2)
- Goodwill letters for accurate-but-forgivable lates
- Cross-bureau § 1681e(b) inconsistency attacks
- One round per month · up to 10 items, all three bureaus
- 30-day reinvestigation clocks & response tracking
- Twelve-bureau freeze & opt-out suite
VIP
- Everything in Repair, plus every letter type
- Debt validation (FDCPA § 1692g) & method-of-verification demands
- Pay-for-delete negotiation & cease-and-desist letters
- ID-theft § 605B blocks & § 605A extended fraud alerts
- One round per month · up to 25 items for heavily damaged files
- 4 certified-mail credits monthly (metered after) · priority OCR & support
Concierge
- Everything in VIP
- Human expert review of every round before mailing
- Unlimited items per round
- Monthly 1-on-1 strategy call
- Sworn-declaration escalation packages (28 U.S.C. § 1746)
- Same-day support · couples add-on $59
Rounds follow the FCRA § 1681i thirty-day reinvestigation window, with one round per file each month. One letter = one item at one bureau. Extra letters: $1.50 each personal, $20 per 100 business · annual billing: two months free · cancel anytime
Asked before you ask.
What is ScoreGuard?
ScoreGuard is a CROA-compliant credit-repair operating system that unifies credit monitoring, multi-bureau comparison, and dispute automation in one workspace. It helps you find inaccuracies on your credit reports, generate dispute letters, and track every round of disputes until they're resolved.
Is ScoreGuard CROA compliant?
Yes. Every dispute letter workflow in ScoreGuard includes a sign-off gate before anything is sent, in line with the Credit Repair Organizations Act (CROA), which regulates how credit repair services must operate.
How much does ScoreGuard cost?
ScoreGuard offers four personal plans: Audit at $29/mo, Repair at $69/mo, VIP at $119/mo, and Concierge at $179/mo, each unlocking more letter types, items per round, and support.
How is ScoreGuard different from DIY credit repair?
DIY credit repair means manually tracking each bureau, drafting your own dispute letters, and remembering follow-up deadlines. ScoreGuard automates the comparison across bureaus, generates the letters for you, and runs a structured Round Command (R1–R9) so nothing falls through the cracks.
Which credit bureaus does ScoreGuard work with?
ScoreGuard works across all three nationwide bureaus — Equifax, Experian, and TransUnion. Its 3-Bureau Compare feature reads your tri-merge report and flags cross-bureau inconsistencies, like identity mismatches and account-balance differences, so you know exactly which items are worth disputing.
Is my data secure with ScoreGuard?
Yes. Client documents are secured with two independent layers of encryption at rest — storage-level encryption from our hosting infrastructure and application-level encryption ScoreGuard applies with separately managed keys — and data in transit is protected with TLS. Access to production systems is restricted, logged, and reviewed. See our Privacy Policy for full details.
Can I cancel my ScoreGuard plan at any time?
Yes. New subscribers can cancel within 5 business days of signing up for a full refund, and after that you can cancel anytime from your Billing page with no cancellation fees and no further charges once cancellation takes effect. See our Refund and Cancellation Policy for details.
The law was always on your side. Now the software is too.
Upload one tri-merge report. Watch the audit find what everyone else missed.