Import a tri-bureau report in one pull. Halo talks to your client, fills in the file, drafts the letters and mails them with tracking, all under your brand.
30-day free trial, card required. First charge on day 31, at the plan price shown on the plan cards. Renews monthly until you cancel. Cancel online any time in Settings → Billing, no phone call needed. Terms
Card on file with Stripe · nothing charged until day 31 · cancel any time in the trial · Refund policy
Halo on every plan, 24/7 · Mail through Lob with live tracking · Metro 2 field-level disputes
Meet Halo · your AI credit analyst
Other tools bolt a chatbot onto a database. Halo reads the client's actual report, all three bureaus and every response letter, and answers from that and nothing else.
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.
How it works
A tri-bureau report lands in one pull, every field read.
Tick the items. Halo picks the reason under Metro 2 and the FCRA.
The letter writes itself and goes out by Lob with tracking.
Responses come back to the file, and wins land in pink.
The SCAIL app · iPhone and Android
Every client, call, letter and win on your phone. Halo works the queue all day; you approve the few things that need a person.
Your clients' language · English and Español
Each client picks their language, or you set Spanish for your whole workspace in one switch. The portal, its buttons and its messages change. A client's name and the bureau names never do.
More languages coming soon.
Your Master Credit Analysis
Maria Alvarez sample client
Your letters went out today. I'll tell you the moment Experian answers.
SCAIL is software and doesn’t guarantee outcomes. Testimonials reflect the individual operator’s experience.
Every tier carries Halo, the AI, your branding and the compliance pack. What changes as you climb is capacity, the growth tooling, how much of the platform you can resell as your own, and how many staff seats come with it: 3 on Starter, 5 on Pro, 10 on Scale and 20 on Enterprise. Every additional seat is $50 a month on every plan. A seat is a staff or admin login; clients and referral partners never count. The 30-day free trial includes 3 seats.
Not running a firm? SCAIL DIY is $99 a month — the same engine, licensed to one person for their own credit report.
Starter already includes 3 staff seats and Halo on every client, so a three-person firm pays $199 a month, not $199 plus a seat for everyone else.
Carrying more than 1,200 clients or need a named account manager? Book a call with the founder about Enterprise or write to sales@scailapp.com.
| Per workspace | Starter | Pro | Scale | Enterprise |
|---|---|---|---|---|
| Monthly price | $199 | $499 | $999 | $1,999 |
| Billed annually (2 months free) | $1,990 / yr | $4,990 / yr | $9,990 / yr | $19,990 / yr |
| Active clients | 300 | 600 | 1,200 | 2,500 |
| Staff seats included | 3 | 5 | 10 | 20 |
| Each extra staff seat | $50 a month, on every plan | |||
| Halo, the AI agent | Included on every plan, every client | |||
| Custom domain, badge removed | — | ✓ | ✓ | ✓ |
| Full API access | — | — | ✓ | ✓ |
| Support | Email, next business day | Priority email and live chat, same business day | Phone and priority, dedicated onboarding | Named account manager, contracted SLA |
| One-time setup | None | None | $1,497 Launch & Migration | None |
| Free trial | 30 days | 30 days | 30 days | By consultation |
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.
Funding only, no credit repair? The Funding Desk is also its own plan — the whole desk with the repair engine off. See the standalone plan →
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.
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.
Every fifteen minutes, on every file you own. Not a chat window waiting to be asked — a standing process with its own triggers. Here is the actual schedule, and the actual limits.
She pulls the tri-bureau report, parses it, and files it — usually inside the hour. You are not told a client signed up. You are told their file is ready to work.
She reads the letter, matches every item against the open disputes, and decides each one — deleted, verified, updated, not addressed. Verified items become a method‑of‑verification demand with the clock already counted.
She checks whether the file's data is still current, and refreshes it if it is not. The comparison is sitting there before you open the file — what moved, what deleted, what came back.
Two reminders, in your firm's voice, through the channel they actually answer — then it stops and becomes yours. She respects STOP, quiet hours and your daily send cap without being told.
She builds it. Metro 2 field by field, the right rung for the round, bureau‑specific, citing the statute that applies to that item on that file.
§1681i windows, review dates, files that have gone quiet, revenue at risk, a deleted item that quietly came back. The cheap checks run constantly, so nothing lapses overnight and surfaces the next morning.
Not "by default". Not "unless you turn it on". These are limits written into the software, and there is no setting that raises them.
Certified mail goes out over your client's signature and cannot be recalled. She builds the package and hands you the envelope.
CROA §1679b(b) governs when a credit-repair fee may be taken. The amount is calculated and waiting. You charge it.
A win post carries your brand and is permanent. She writes it — image, caption, hashtags — and it sits until you say yes.
Everything she sends a client also passes a compliance check before it leaves: it fails closed, and a message it cannot clear is held for you with the reason attached rather than softened and sent.
Not a recording. A live session you can drive: Halo opens the file one question at a time, the report lands and parses, Halo writes the dispute reasons, the letters go certified through Lob, the client sees the win in their portal, Halo drafts the post, and the Master Credit Analysis is ready to send. Answer Halo yourself, or let the tour play.
A sample client with sample numbers, so nothing here is a result we are promising. The screens, the questions, the reasons and the mail statuses are the product’s own.
This is how your clients will enroll: a conversation, one question per screen, in your brand. Nothing you type here is saved or sent anywhere.
30-day free trial, card required. First charge on day 31, at the plan price shown on the plan cards. Renews monthly until you cancel. Cancel online any time in Settings → Billing, no phone call needed. Terms
Book a live walkthroughThe platform moves every week. Here is what a workspace opened today gets, in plain language.
Halo texts and emails your clients from their actual file, chases missing onboarding steps, writes the dispute reasons from Metro 2 contradictions, drafts the letters, watches every FCRA deadline, and writes and schedules your social posts. Day and night.
A client-ready analysis of every report: the three bureaus side by side, what is holding the score, and the plan. Composed pages, real margins, fonts embedded in every PDF and PNG export.
Certified or first class, with production status on every letter: printing, handed to USPS, in transit, delivered. A piece with no USPS scan is flagged before anyone has to ask.
Top up once and every round draws from it. A round that costs more than the balance is stopped before a single letter reaches the printer, with the exact shortfall shown.
From the bureau letter and the prior round’s mail date, SCAIL drafts the complaint: company, product, issue, what happened and the resolution wanted. Your team’s CFPB logins are stored encrypted, and every reveal is logged.
Your next three moves with scripts and funnel math, a Growth Academy on offer, ads, funnel, speed to lead and the consult, and a Social Media studio where Halo’s posts wait for your yes.
$749 once unlocks the Business Credit Builder, Business Funding and ChexSystems Banking Reset. Then $99 only when you unlock a client. No monthly fee. Business Credit and Funding for one client are one unlock; ChexSystems Banking Reset is its own.
Business credit, funding or a banking reset can be sold to someone who never needs a dispute. Their intake skips the credit-repair steps and their portal shows only what they bought.
Halo enrolls a client one question per screen, Typeform-style, and starts with what they need: credit repair, business credit, funding or a banking reset. Then name, goal, timeline, contact, identity and the consents. About three minutes.
The client portal speaks Spanish on request, front end and back end. A client chooses it, or you set it once as the workspace default for a Spanish-speaking book.
Every partner gets a login, a link and their own numbers. Halo reminds them until the agreement and W-9 are in, then keeps the follow-ups going.
Starter includes 3 staff seats, Pro 5, Scale 10 and Enterprise 20. Every additional seat is $50 a month. Clients and referral partners never count as seats.
A CROA-compliant default agreement is ready on day one, or upload your own as PDF, Word or HTML with merge fields. Clients e-sign inside the app, and the signed copy files itself.
Every client gets Credit Health with all three scores, a wins wall that updates the day a deletion posts, their documents, secure messages, and Credit 101 lessons in plain language.
Every text is logged word for word with its delivery status, and a text that fails shows the carrier’s reason, so “I never got it” has an answer.
This is not an animation of a letter. It is the engine's own field catalog — the same rows, the same Metro 2 numbers and the same paragraphs that go out on certified mail. Choose a file below.
Press Build the letter — the engine reads the three bureaus against each other and writes only what it can prove.
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 |
|---|
Each bureau gets only the accounts that bureau reports.
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.
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 one pull, 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.
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.
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.
| Creditor | Account | Balance | Bureaus | Status |
|---|
This is the surface we built for the daily grind: 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.
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.
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.
Read left to right. Every late is a dispute target with a date attached.
Seven years and 180 days from first delinquency — counted for you, per item.
A lever the client can act on directly.
Reported the way a lender pulls it.
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.
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.
Dashboard
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.
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.
The same file that carries the disputes gets scored for funding, matched against 109 lenders, sequenced into a plan the client works from a guided portal, and billed the day the money lands. Add it to any plan — or run it as its own workspace with the repair engine off.
Banks, credit unions, fintech, MCA, equipment and private — each with its score floor, inquiry rule, and which bureau it pulls, hard or soft. The plan opens with the 44 that prequalify without an inquiry.
Middle score, utilization bands, derogatories by kind, inquiry velocity, depth — every reason named, and a simulator that shows what each fix is worth before the client does it.
Entity, EIN, D-U-N-S, then Tier 1 net-30 vendors through Tier 4 bank credit — 29 steps the client works in the portal, 41 vendors with what they report to.
Start Here, five-step onboarding, Report → Blueprint → Roadmap, one next call to book, a vault, an advisor pinned on every page.
Set a success fee once — percent, flat or none. The first funded outcome drafts the invoice on the file. SCAIL never takes a share.
On any plan: the Growth Pack. $749 once unlocks Business Funding, the Business Credit Builder and ChexSystems Banking Reset. Then $99 only when you unlock a client. No monthly fee. Funding only, no credit repair: the standalone Funding Desk, $749 setup then $297 a month or $2,970 a year, with nothing CROA reaches.
Software, not a lender. Nothing here is a promise of credit — lenders decide.
Every SCAIL workspace has timesheets built in — not a separate product, not an integration you buy. Staff clock in and out, and the same screen shows you what each of them actually moved in those hours.
One tap from anywhere in the console. A shift somebody forgot to close is capped and flagged rather than silently billing sixteen hours — the rule lives in one place and both the admin and console screens read it.
Rounds built, letters mailed, responses worked, items deleted — on the same row as the hours that produced them. The question “is this person busy or productive” stops being a feeling.
Per person and across the team, in your workspace's own timezone — which you set, so a shift that starts at 8am starts at 8am and not whenever the datacenter thinks it is.
A tenant sees their own staff and nobody else's, through the same guard that protects every other row in the product. Payroll is not a place to discover a leak.
Most credit-repair tools hand you a letter generator and wish you luck. Every SCAIL account includes the method — how a Metro 2 attack is actually built, why round two is not round one sent twice, and what to do the day a bureau says “verified”.
Where the money actually is on a damaged report, which negative items are worth attacking first, and why the middle score is the only number that matters to a lender.
FoundationField 4 through Field 21, what each one is supposed to contain, and how a mismatch between two bureaus becomes a deletion rather than a complaint.
Core methodThe file-wide opening, the method-of-verification escalation that answers what the bureau actually said, and the §623(b) furnisher dispute that goes around them.
Core methodWhy LVNV, Midland, Portfolio Recovery and Jefferson Capital get a harder letter than an original creditor, and what to demand that they usually cannot produce.
AdvancedWhen a CFPB complaint helps and when it wastes a round, how to build the state AG package, and the point at which the file belongs with an attorney.
AdvancedWhat you may promise and what you may not, when a fee may be taken, the disclosure and cancellation rights your client is owed, and how to keep the evidence.
ComplianceThe consultation that closes, the pricing conversation, and the sentences that turn a good result into a compliance problem.
GrowthOnboarding that does not stall, the review cadence that keeps clients, and what to hand to Halo so your week is decisions instead of admin.
GrowthIncluded with every plan. A hundred short walkthroughs of the product itself, the letter methodology, and the compliance posture behind it — plus the templates, scripts and checklists that go with each track. Every screen in the app has one, and they open where you are rather than in a separate course.
Credit Repair Cloud and DisputeFox are the two names you already know. Here is the table, theirs and ours, read from their own published pages. Where they are the better fit, the full comparisons below say so. Filter it down to the lines nobody else can fill.
The full comparisons, with where each rival is the better fit: SCAIL vs Credit Repair Cloud · SCAIL vs DisputeFox
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 word-of-mouth the partner can see working.
Coming soon
Coming soonhttps://www.yourfirm.com/f/brooks-lending
§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.
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 that firms often run by hand in a spreadsheet.
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.
Yes, and this is the single biggest time saving in the product. Direct providers import in one click with no file handling whatsoever — authorize 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.
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 labeled an estimate everywhere it appears, including in front of the client.
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.
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 six 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.
Every plan includes staff seats: 3 on Starter, 5 on Pro, 10 on Scale and 20 on Enterprise. Each additional seat is $50 a month, on every plan. A seat is a staff or admin login; clients and referral partners never count. The full table is in the pricing section above, and it starts with 30 days free on whichever plan you pick: a card starts it, nothing is charged until day 31, and the trial runs at that plan's real limits.
Yes — that is Business Funding, part of the Growth Pack. 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. It comes in the Growth Pack on any plan: $749 once unlocks Business Funding, the Business Credit Builder and ChexSystems Banking Reset, then $99 only when you unlock a client. No monthly fee. 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 →
Yes. The Funding Desk is its own plan: $749 one-time setup, then $297 a month or $2,970 a year, with the repair engine switched off. You get the whole desk — readiness scoring, 109 lenders with what each one pulls and wants, the simulator, the AI roadmap, the client Funding Hub, the Business Credit Builder, the Funding Services Agreement and success-fee invoicing — under your brand, with 3 staff seats included ($50 a month for each additional seat) and 300 active files. No dispute letters, no certified mail, and nothing CROA reaches, because you are not repairing credit. When you want to, Pro adds credit repair to the same files. See the standalone plan →
A seat is a staff or admin login to your workspace: you, your processors, your sales team. Your clients and your referral partners have their own portals and never count as seats, however many you have. Every plan includes some (3 on Starter, 5 on Pro, 10 on Scale, 20 on Enterprise) and each additional seat is $50 a month.
Yes. The client portal speaks Spanish on request, front end and back end. A client can choose it for themselves, or you can set Spanish once as the workspace default if your book is mostly Spanish-speaking. We never switch a client’s language silently from their browser settings.
She texts clients from their actual file, around the clock, inside quiet hours and your send cap, and every text is logged word for word on the Texts sent page. She drafts social posts on your schedule into the Social Media studio, and a post that names a client’s result needs that client’s consent on file. Nothing is published until you approve it.
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.
A simple way to switch is to run both for a week, 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.
Who built it
I'm Sean Scales. SCAIL started as the software my own credit repair operation runs on, about 1,600 clients, and it was built around that work before it was offered to other firms.
Book a call with Sean · Sean on LinkedIn · SCAIL on LinkedIn · The Founding Operator offer
Thirty days free, nothing charged until day 31. Every screen you just used, under your brand, on your domain.
30-day free trial, card required. First charge on day 31, at the plan price shown on the plan cards. Renews monthly until you cancel. Cancel online any time in Settings → Billing, no phone call needed. Terms
Book a walkthroughSigning up from a live webinar? Your code unlocks the Live Launch Bonus: we set up your workspace and run your first client’s Round 1 with you.