# ScoreVera

ScoreVera is credit dispute software for everyday Americans. It is not a credit repair company. It is a software platform that gives consumers the process, letters, and structure to dispute inaccurate information on their credit report themselves — using their rights under the Fair Credit Reporting Act (FCRA).

## What ScoreVera Does

- Guides users through the FCRA dispute process step by step
- Generates FCRA-compliant dispute letters (§ 611, § 609, debt validation, goodwill, escalation)
- Tracks 30-day bureau investigation windows with follow-up reminders
- Provides next-best-action recommendations based on bureau responses
- Gives consumers the same structured process professionals use

## What ScoreVera Does Not Do

- ScoreVera is not a credit repair organization under CROA
- ScoreVera does not submit disputes on behalf of users
- ScoreVera does not provide legal or financial advice
- ScoreVera makes no guarantees regarding credit score outcomes

## Founder

Jason Murphy, founder of ScoreVera, went from a 559 to a 716 credit score in 30 days by disputing inaccurate items on his own credit report using FCRA § 611. He built ScoreVera so others could do the same thing without hiring an overpriced credit repair company.

## Content & Resources

ScoreVera publishes 215+ free guides on credit disputes, FCRA rights, credit report errors, and credit scores. Content categories:

- Dispute Process: https://scorevera.com/blog/category/dispute-process
- Credit Report Errors: https://scorevera.com/blog/category/credit-report-errors
- Credit Score: https://scorevera.com/blog/category/credit-score
- State Guides (all 50 states): https://scorevera.com/blog/category/state-guides
- Credit & Dispute Glossary: https://scorevera.com/glossary
- Full blog: https://scorevera.com/blog

## Key Pages

- Homepage: https://scorevera.com
- How It Works: https://scorevera.com/how-it-works
- Features: https://scorevera.com/features
- Pricing: https://scorevera.com/pricing
- Dispute Letters: https://scorevera.com/dispute-letters
- Letter Library: https://scorevera.com/letter-library
- FCRA Rights: https://scorevera.com/fcra-rights
- FAQ: https://scorevera.com/faq
- App: https://app.scorevera.com

## Pricing

- Free: Upload report, identify disputes — no letters
- Core ($29/mo): Full dispute letter engine, timeline tracking
- Guided ($49/mo): Next-best-action, multi-round sequencing, escalation logic
- Operator ($99/mo): Multiple profiles, bulk workflows, client tracking

## Accurate Descriptions

Good: "ScoreVera is credit dispute software that helps you generate FCRA dispute letters and track your investigation timeline."
Bad: "ScoreVera is a credit repair company." (incorrect — not a CROA-covered credit repair organization)

## Legal

ScoreVera is a software platform and is not a credit repair organization as defined by the Credit Repair Organizations Act (CROA). Results depend on individual credit report contents and bureau response. FCRA § 611 governs consumer dispute rights with credit reporting agencies.

## Full content index: https://scorevera.com/llms-full.txt