The most powerful AI credit repair software ever created. And it's an app.
Import a tri-bureau report in nine seconds. Attack all thirty-one derogatories field by field under Metro 2. Generate three bureau-specific FCRA dispute letters in one click and hand them to certified mail with tracking. Then let Halo answer your client at 11:40pm, from their actual file, so you don't have to.
Unlimited team seats on every plan · Certified mail with tracking · Metro 2 field-level disputes · CROA and FCRA scaffolding in the box
Halo actually reads the file.
That is the whole difference.
Every other tool bolts a chatbot onto a database and calls it AI. Halo reads the client's actual credit report — all three bureaus, every Metro 2 field, every response letter — and answers out of that and nothing else. Ask her something that isn't on the file and she tells you she doesn't know. That refusal is the single most valuable thing she does.
She only answers from Marcus Delgado's credit file. Ask her something that isn't on it — the weather, our pricing, anything — and watch her refuse.
One agent. Halo does every job, at the same time.
She is not a chat window you open. She is a standing process on your whole book — dozens of jobs firing off their own triggers, all of them reading the same source of truth: that client's actual credit file. She even builds the social post when a deletion is worth showing off — the image, the caption and the hashtags — and waits for you to approve it. Below is what she is doing right now, on one operator's account, simultaneously.
Your file is moving.
Round 2 landed at all three bureaus on Monday. Fourteen of the thirty-one derogatory accounts are gone, and the two that came back are already in escalation.
| Creditor | Account | Type | Balance | Bureaus | Status |
|---|
Send to
Template
Each bureau gets only the accounts that bureau reports.
One click opens the file. Nine seconds later it's a strategy.
This is not a video. It is the product driving itself on a timer, in your browser, right now — it picks the client, the file opens, three bureaus come back, thirty-one derogatories land, three letters compose and go certified with tracking. Press pause and take the wheel whenever you like.
Reports import in one click. Everything else, drag the PDF in.
This is the step that eats an operator's morning, and almost every competitor still makes you type a credit report into a form. We refuse to ship that. Connect the provider once and a full tri-bureau pull lands in the file in nine seconds, parsed into every Metro 2 field, matched across all three bureaus, derogatories already flagged. No file to download. No fields to type. Nothing to reconcile.
Connected directly
Everything else, dragged in
Experian, myFICO, Equifax, TransUnion, IdentityIQ, a lender tri-merge, a printout a client scanned crooked on their phone. The AI reads the document rather than pattern-matching a template, so a layout it has never seen still comes back structured.
Thirty-one accounts. Three bureaus. One grid that never lies.
Cross-bureau matching runs on the account number and the balance, not the creditor's name — so a Capital One that changed its mask is still the same account, and a second Capital One with a different balance is correctly a new one. Nothing is marked deleted until the raw report proves the line is actually gone.
- ✓New items flagged the moment a re-pull lands
- ✓Verified items queued straight into the next round
- ✓No deletion recorded until the raw report proves absence
| Creditor | Account | Balance | Bureaus | Status |
|---|
Eleven files before coffee. Nine minutes, zero tabs.
This is the surface no competitor ships: one queue containing everything that is actually waiting on a human, ordered by what breaks first. Watch an operator clear a re-pull, a bureau response and a client message without opening a single other screen.
Press one button. Watch it write the letter.
106 merge variables — balance, limit, dates, status, late counts, the 24-month grid, every Metro 2 field the bureau reported. Tick the bureaus and one click writes all three letters, each carrying only the accounts that bureau reports, each citing the FCRA sections that apply to those specific accounts, plus the matching CFPB complaint.
- ✓All three bureaus in a single generate
- ✓Each letter records exactly which items it disputed
- ✓Certified mail with tracking, or print the packet yourself
Send to
Everyone shows a score. We show the whole X-ray.
Twenty-four months of payment history per account, utilization card by card, every fall-off date on a clock, and the score line that proves the work. The same panel your client sees in their portal, so nobody has to be told what is happening.
Payment history — 24 months, per account
Read left to right. Every late is a dispute target with a date attached.
Fall-off tracker
Seven years and 180 days from first delinquency — counted for you, per item.
Utilization, card by card
The fastest points on most files, and the only lever the client controls.
Score history — middle score, not the average
Reported the way a lender pulls it.
Now log in as the client. This is what they see.
Same product, other side of the glass — and it carries your brand, not ours. Watch the client's own dashboard load: their three live scores, the deletions wall, the plan ranked by impact, and a simulator that answers “should I pay this off?” before they text you about it.
Your client stops texting you. Because they can already see it.
The portal is not a status page with a spinner on it. It is their file — every deletion with the date it landed, the round in flight, the plan for the next one, and the exact moves that add points. It carries your logo, your domain, your name.
- ✓Every deletion celebrated the hour it posts
- ✓Secure messaging, so results never live in a text thread
- ✓Score simulator, so “should I pay this off?” answers itself
- ✓Document vault, credit builder and tradelines in the same login
Dashboard
It's 11:42pm. Halo is the one awake.
A client asks a real question at a genuinely inconvenient hour. Watch Halo read the actual file, answer from it, post the deletion that landed that evening, ask for the review at the right moment — and then escalate the one thing that honestly needs you, with the reason attached.
Four schemes. One click. The entire app repaints itself.
Not a dark-mode toggle. Not an accent color picker buried in settings. The whole design system is tokens — every gauge, every chart, every letter preview, Halo's own sphere and the logo in the corner read from the same ramp. Change the ramp and the product becomes yours, top to bottom, in one frame.
Everything above repainted from four CSS variables. Your operators never see a setting for it — they just see their own brand.
We meter clients. Never your team.
Every tier carries unlimited seats, your branding, the compliance pack, Halo and the AI. What changes as you climb is capacity, the growth tooling, and how much of the platform you can resell as your own.
Compare every row against Credit Repair Cloud and DisputeFox →
A desk is a capability, not a feature flag — its own instructions, its own state, versioned separately from the platform. The field-level attack is the reason to leave the software you are on, so it is not something we sell you separately: every desk below ships on every plan, starting at Starter.
Everything above is capacity. Some platforms charge nothing for capacity and bill by the dispute instead — around $17 per attack across the three bureaus, or about $12 in bulk. On a small book that is genuinely cheaper than we are. Past a dozen or so rounds a month it stops being cheaper very quickly, so here is the arithmetic with your own volume in it.
Everything they do. And the things only we do.
Credit Repair Cloud and DisputeFox are the two names you already know. Here is the whole table, theirs and ours, with nothing left out of the rows where they win. Filter it down to the lines nobody else can fill.
Every realtor you know is a commission engine.
Give them their own login, their own link, their own numbers. They watch their referrals move through the funnel and see the deletions land on files they sent you — which is the only marketing that has ever worked in this industry.
https://www.yourfirm.com/f/brooks-lending
Three letters. Three receipts. Three different legal deadlines.
§1681i(a)(1)(A) runs from each bureau's receipt, and three certified letters do not land the same day. One clock per bureau per round, from the carrier's delivery date where there is one — and never an estimate dressed up as a defensible deadline.
Delivery confirmed by carrier on Equifax and Experian. TransUnion is estimated at mail date + 5 days and is marked as an estimate everywhere it appears.
The rest of the business? Already built.
Nothing on this page is a roadmap item. It ships with the account, on every plan, on the day you sign up — including fourteen operational surfaces every competitor leaves you to run in a spreadsheet.
Everything you were about to email us. Answered straight.
What exactly is AI credit repair software?
It is software that reads a consumer credit report the way an analyst would, works out which negative accounts are inaccurate, unverifiable or reported in violation of the FCRA, and drafts the correspondence needed to challenge them. SCAIL parses the report into its Metro 2 fields, matches every account across all three bureaus, and writes a separate letter per bureau containing only the accounts that bureau actually reports. The part most tools skip is the last one — and it is the part bureaus notice.
Can it really import a credit report automatically?
Yes, and this is the single biggest time saving in the product. Direct providers import in one click with no file handling whatsoever — authorise once per client and every re-pull afterwards is a button. Everything else imports by dropping the PDF in: Experian, myFICO, Equifax, TransUnion, IdentityIQ, a lender tri-merge, even a report a client scanned crooked on their phone. The AI reads the document rather than pattern-matching a template, so a layout it has never seen still comes back as structured, dispute-ready data. More direct connections are on the way.
Does SCAIL send dispute letters by certified mail?
It does. Letters print, stamp and go certified with tracking, and — this is the bit that matters — each tracking number is written back onto the individual items that letter disputed. Your FCRA §1681i clock then runs from a carrier-confirmed delivery date instead of a guess, which is the difference between an escalation you can defend and one you cannot. Where a delivery date is genuinely unknown, the clock is labelled an estimate everywhere it appears, including in front of the client.
What is Halo, and how is she different from a chatbot?
Halo is grounded in one client's actual credit file — all three bureau reports, every Metro 2 field, every response letter — and she answers from that and nothing else. Ask her something that is not on the file and she tells you she does not know rather than producing a confident invention. That refusal is deliberate and it is the most valuable thing she does: one hallucinated account in front of a client costs more than a year of software. She works your portal and your SMS around the clock, posts the milestone the hour a deletion lands, and escalates to a human when a human is genuinely required.
Is it white-label? Will my clients see SCAIL anywhere?
Completely white-label. Your logo, your domain, your color scheme, your voice. The client portal and the partner portal both carry your brand end to end. The four color schemes on this page are the same tokens your operators get, and the whole design system repaints from them in one frame — gauges, charts, letter previews and all.
How much does it cost, and what does a seat cost?
A seat costs nothing. We meter active clients and never your team, because charging per seat punishes you for hiring and that is a stupid way to build a business on both sides of the invoice. The full table is in the pricing section above, and it starts with 14 days free on whichever plan you pick: a card starts it, nothing is charged until day 15, and the trial runs at that plan's real limits.
Can I fund the clients I repair?
Yes — that is the Funding add-on. The same file that carries the disputes gets a readiness score, a fit against 109 lenders with what each one pulls and wants, a what-if simulator, an AI roadmap, a plan the client works from their portal, and a complete business credit builder program (entity, EIN, D-U-N-S, then Tier 1 net-30 vendors through Tier 4 bank credit). Log the outcome and the module drafts your success-fee invoice the day money lands. $149 a month on any plan, included on Enterprise, and SCAIL never takes a share of your fee. It is software, not a lender: nothing in it is a promise of credit. Read how the funding engine works →
Do you handle compliance for me?
No — and be suspicious of anyone who says they do. What we ship is the scaffolding: the CROA-mandated consumer rights disclosure, the detached notice of cancellation, the service agreement structure, audit trails on every letter and every deletion, and a refusal to mark anything deleted until the raw report proves it. You remain responsible for your own compliance with CROA, the FCRA, the TSR and your state's law. We just make it far harder to get wrong by accident.
How long does it take to move off my current CRM?
Most operators run one week in parallel and then stop logging in to the old one. Import your active clients, connect SmartCredit, and start round one on the new stack the same afternoon. There is nothing to install and nothing to configure before your first letter.
Put your name on it.
Fourteen days free — nothing charged today. Every screen you just used, under your brand, on your domain.
Attend the onboarding webinar and the trial runs 30 days.