Here's exactly what happens when you use ScoreVera.
Six clear steps. No guesswork. No waiting for someone else to tell you what's happening with your credit report. You own the process from start to finish.
Pull your credit report from AnnualCreditReport.com or directly from Equifax, Experian, or TransUnion. Upload the PDF to ScoreVera. We support reports from all three major bureaus.
Our parser scans your report and flags every negative item — late payments, collections, charge-offs, hard inquiries, public records, and more. Each item is categorized by type and potential disputability under FCRA.
ScoreVera selects the correct legal strategy for each item and generates an FCRA-compliant letter. Choose from § 611 dispute (accuracy), § 609 method of verification, debt validation, goodwill adjustment, or escalation letters. Every letter is customized to your specific situation.
ScoreVera gives you the exact mailing address, recommended delivery method (certified mail vs. online portal), and what to include in the envelope. We do not submit letters for you — you stay in control and you keep the paper trail.
Under FCRA § 611, bureaus have 30 days to investigate a dispute. ScoreVera starts the clock the moment you log your send date. You get a clear countdown, and we remind you before the window closes so you know exactly when to follow up.
If the bureau doesn't respond in time, verifies without adequate investigation, or returns an unsatisfactory result, ScoreVera tells you exactly what to do next. That might mean a second dispute letter, a direct dispute to the furnisher, a CFPB complaint, or a demand letter — we generate all of them.
What ScoreVera does NOT do
ScoreVera is software, not a service. There are three things we will never do — and you should be skeptical of any company that claims otherwise.
You write the letter. You mail the letter. You own the paper trail. This matters legally — and it keeps you in control of your own credit file.
No one can legally guarantee a specific score increase or item removal. Results depend on the content of your report, bureau responses, and the accuracy of the disputed information. Anyone who promises otherwise is lying.
Credit repair companies charge monthly fees and act as intermediaries. ScoreVera is a tool. You use it, you run the process, you see exactly what's happening at every step. There is no middleman taking your money.
See the process for yourself.
Start free. Upload your report, get your analysis, and generate your first dispute letter without paying anything.