Built because the system was broken for regular people.
ScoreVera didn't start as a startup idea. It started as frustration — one person trying to fix his credit and finding nothing but overpriced companies and confusing paperwork.
No credit repair company. Just the law, and a process.
Jason Murphy started ScoreVera after disputing inaccurate items on his own credit report. He knew the Fair Credit Reporting Act gave him the right to dispute them himself. What he didn't have was a clear, structured way to do it.
The credit repair companies he looked at charged a monthly fee for work a consumer is allowed to do directly: under the FCRA, you can dispute inaccurate information with the bureaus and the companies that furnish it, at no cost.
So he did it himself: wrote the dispute letters, tracked the 30-day investigation windows, and followed up when a response called for it.
Then he built ScoreVera so anyone could run the same process — with the right letters, the right order, and a clear guide on every step. Your results depend on what is actually on your report and what the bureaus and furnishers find.
Credit repair companies charge $100+/mo to do what you can legally do yourself.
We built software to give you the process, not the runaround. ScoreVera is not a credit repair company. We don't touch your disputes, submit your letters, or promise specific results. What we do is give you the same structured, FCRA-compliant process that professionals use — so you can run it yourself, on your own timeline, without paying a monthly fee to someone else.
Every American has the right to dispute inaccurate information on their credit report. ScoreVera makes sure you actually know how to use that right.
A software tool. Not a service.
- A software platform that guides you through the dispute process
- An FCRA letter generator for § 611, § 609, debt validation, goodwill, and escalation
- A 30-day investigation tracker with follow-up reminders
- A next-best-action system based on bureau responses
- A tool you control, from start to finish
- A credit repair company
- A service that submits disputes for you
- A guarantee of any specific score change
- Legal advice or credit counseling
- A monthly subscription to someone else doing the work
What the law lets you dispute, what bureaus must do, and the 30-day investigation rule.
Common credit report errorsHow to recognize each type of error and which dispute process applies.
Resources and official sourcesGuides, templates and links to the CFPB, the FTC and AnnualCreditReport.com.
How ScoreVera worksEvery step from uploading your report to choosing the next letter.
Plans and pricingStart free; upgrade only if you want letters, tracking and guidance.
Compliance and boundariesWhy ScoreVera is software, not a credit repair service or legal advice.
Ready to dispute your own credit report?
ScoreVera gives you the letters, timing and tracking to run your own dispute process — organized and in your hands.
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