Smart FCRA Credit Repair Software | FCRA CRM, Generated Dispute Letters & Client Portal

Pinpoint the violations. Generate the letters. Run the case in one portal.

Smart FCRA reads the bureau file, scores FCRA / FDCPA / ECOA / Metro 2 issues for litigation, generates dispute and demand letters from those facts, and gives clients a sandbox report, tutors, and CROA-safe controls. Built in Tijeras, New Mexico for credit repair companies nationwide.

Built around the finding — not a blank form.

Every letter Smart FCRA generates is driven by what the engine found on that client’s report: statute, evidence, damages range, and which defendant gets the demand. Operators QA findings before anything mails.

Detect

15-category violation engine

FCRA accuracy and investigation failures, FDCPA collection abuses, ECOA discrimination flags, Metro 2 field defects, state overlays, and bankruptcy reporting issues — each tied to statute text and the account evidence on file.

Score

Litigation Vulnerability Score + damages

LVS ranks how trial-ready a finding is. Statutory and actual damage bands, willfulness framing, and attorney-fee estimates sit on the violation record so staff know what is worth fighting versus educating.

Generate

Letters generated from the file — never fill-in templates

Bureau § 611 disputes, furnisher § 623 challenges, method-of-verification demands, cease-and-desist, intent-to-sue, CFPB/AG paths, and specialty rounds are composed from the selected violations, account facts, and letter strategy — then branded as PDF under your org letterhead.

Cite

Case law + SOL on the finding

Findings carry case-law hooks and a statute-of-limitations calculator by state and debt type so operators do not chase time-barred accounts or invent citations.

Mail

Click2Mail + FCRA § 611 clocks

Approved letters can mail through Click2Mail. Each send starts the 30-day statutory investigation clock (35-day operational buffer) so the portal knows when a bureau is late.

What the consumer actually sees and does.

This is not a staff-only scanner. Clients work inside Smart FCRA: read the real report, confirm facts, approve disputes, learn their rights, and cancel under CROA without calling support.

Report sandbox

Scrollable paper copy of the imported Experian / Equifax / TransUnion file in a scriptless iframe — accounts, payment-history legend, hard vs soft inquiries, original PDF when vaulted. Viewing is not a dispute.

Evidence-first disputes

Structured fact interview and attestation. Identity-theft claims stay gated. The hallucination firewall blocks fabricated reasons and guaranteed-deletion language before a letter ever drafts.

Credit case & action plan

Findings as observations until staff QA, next-best-action for the consumer, credit-event ledger (deleted vs corrected vs balance change), and utilization education without fake FICO promises.

Learning resources

Consumer Rights hub (FCRA / CROA / TSR / FDCPA / identity theft), Credit Tutor (Alex Rivera), strategy mentors for staff, journey rituals, and document vault for every generated letter the client is allowed to see.

CROA / TSR billing controls

In-portal cancel services. Analysis unlock blocked until service completion is recorded on the ledger. Named score models only — VantageScore / FICO labeled when known.

Ops that stay attached

Staff console for clients, violation QA, letter generation, mailing, MFSN imports, GHL sync, tradelines, fundability, and RON legal sessions — same RJ Business Solutions brand the client already trusts.

Software for operators — not outcome guarantees.

Smart FCRA does not promise deletions, score lifts, lending approval, or funding. It documents the file, the finding, the letter, and the clock. Headquarters: Tijeras, NM (Albuquerque metro). Service area: United States.

Facts before fight — dispute language must come from the report or the consumer’s attestation.

QA before mail — staff review findings; Metro 2 cross-bureau variance stays REVIEW/OBSERVATION until someone owns it.

CROA cancellation in-portal — not buried in a support ticket.

Completion before charge — covered credit-repair billing waits on a recorded service completion.

What each package actually runs for your firm.

Pick the capacity and litigation depth you need. Letters are generated from violations on the file in every package — there is no template library upsell.

Live Stripe checkout is on. Create your organization, then you are sent to the matching Professional, Unlimited, or Enterprise subscription.

Professional

$497/mo

Solo CRO or small team running up to 100 active clients through detection → QA → generated letter → portal.

Puts the violation engine and generated dispute/demand letters on every intake, with a full client portal so consumers can see the sandbox report and learn while you litigate the file.

Up to 100 active clients; unlimited report analyses on those files
15-category violation engine across FCRA, FDCPA, ECOA, Metro 2, state, bankruptcy
Litigation Vulnerability Score + statutory/actual damage estimates on each finding
Generated letters from selected violations (bureau, furnisher, MOV, intent paths) — not blank forms
Case-law hooks on findings + state SOL calculator
Client portal: report sandbox, attestations, disputes, action plan, rights hub, Credit Tutor
CROA in-portal cancel + completion ledger gates
Priority email support

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Unlimited

$2,500/mo

High-volume shops that live on monitoring imports, mailed rounds, and multi-seat operator queues.

Removes client caps, wires MyFreeScoreNow / monitoring pulls, and turns approved letters into mailed campaigns with live FCRA § 611 investigation clocks so late bureaus show up in the case.

Everything in Professional, unlimited clients and scans
MFSN / monitoring imports with analysis lock until staff unlock
Click2Mail campaigns + 30-day statutory / 35-day operational clocks
Full in-product FCRA knowledge base and staff mentor assist for strategy sequencing
Team operator seats for violation QA and mail ops
Faster support SLA; quarterly business review available
Multi-org management for agencies running more than one brand

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Enterprise

$9,997/mo

Law firms, white-label networks, and litigation desks that need the full generated document pack and API.

Unlocks the complete generated litigation document set (~45 letter types including C&D, AG, CFPB specialty rounds), the full case-law library, white-label client portals, and a dedicated account manager for legal-ops design.

Unlimited seats, clients, and analyses
Full generated litigation document pack from violation → PDF under your letterhead
Full case-law database (300+ cited themes) for willfulness / damages framing
White-label client portals + branded sandbox reports
API access for CRM / case-management glue
Dedicated account manager
Expert legal-ops consultation add-on

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Talk to sales if you need a custom SLA first.

Walk the violation → letter → portal path on your pipeline.

Tell RJ Business Solutions about your firm. We will show detection, generated letters, the client sandbox, and learning resources — not a consumer credit signup.

Credit repair software questions operators actually ask.

Smart FCRA is built in Tijeras, New Mexico and used by credit repair organizations across the United States. These answers are written for humans, search, and AI overviews — without deletion promises.

What is Smart FCRA?

Smart FCRA is credit repair operations software from RJ Business Solutions. It reads Experian, Equifax, and TransUnion files, scores FCRA, FDCPA, ECOA, and Metro 2 findings, generates dispute and demand letters from those facts, and runs a CROA-aware client portal. It is not a fill-in letter template library and not a consumer credit-repair enrollment site.

Who is Smart FCRA for?

Credit repair organizations, consumer-rights firms, and litigation desks in the United States that need FCRA compliance software, a credit repair CRM, generated letters, mailing clocks, and a client portal. Headquarters is Tijeras, New Mexico, near Albuquerque; the product is sold nationwide.

Does Smart FCRA guarantee deletions or score increases?

No. Smart FCRA documents the file, the finding, the letter, and the FCRA § 611 investigation clock. It does not promise deletions, VantageScore or FICO lifts, lending approval, or funding.

Are the letters templates?

No. Letters are generated from selected violations and account evidence on the imported report (bureau § 611, furnisher § 623, method-of-verification, and litigation paths), then branded as PDF under your organization letterhead.

How do I see a live demo?

Open the interactive demo at https://smartfcra.com/demo with your firm name, address, email, and phone. A guided tour walks the operator console and consumer portal. This is not consumer credit-repair signup.