Credit Revive

The Groundbreaking Web App To Transform Credit Scores

Industry

SaaS

Business Type

Startup

Service

App Development

Client Overview

Credit Revive (a pseudonym, as the actual name is not being mentioned at the client’s request) is an interactive web application that reevaluates users’ existing credit scores to help them rebuild a better credit score. We have been assigned to develop a game-changer solution that assists users in comprehending, monitoring, and repairing their credit scores against the real-time credit reports of all three top credit bureaus. We were excited about this unique project challenge and ready to face it head-on. Brace yourselves; this is where credit score makeovers get real!

Project Objective

Imagine a seamless interface where you don’t just passively observe your credit score; you actively wrest control of it. The app responds to the prevalent challenges of faulty credit reports issued by bureaus and the frustration of navigating complex credit lines. The innovative spark behind Credit Revive is its mission to empower users to do more than passively observe their credit scores. It’s a tool that invites active participation, encouraging users to take affirmative actions, repair, and ultimately rebuild their credit standing. In a world of financial intricacies, Credit Revive is a solution guiding users toward a brighter credit future.

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Tim Branyan

Founder, Truefanz

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Challenges

Partner Exit

One of the partners had to exit the project for personal reasons, causing a communication vacuum. This gap presented significant challenges in maintaining project continuity and coherence.

PDF Parsing

Extracting pertinent data from credit reports in PDF format proved challenging, leading to potential data extraction errors. We had to be extra cautious in developing a PDF format that showcases accurate scores and other details.

OpenAI ChatGPT Integration

Integrating OpenAI ChatGPT API for precise credit report analysis presented hurdles in achieving seamless data insights. The main challenge was to validate the data accuracy presented by the OpenAI.

Dispute Letter Sequencing

Designing a systematic approach for generating and sending dispute letters required intricate planning to ensure accuracy and order. Our primary concern was to develop an intuitive letter sequencing model that works seamlessly for all 3 credit bureaus (Equifax, Experian, & Transunion) and their respective credit lines while identifying different issues for each.

Customized Letter Templates

Creating personalized letter templates for various dispute scenarios demanded flexibility in template design and storage. We wanted to align our letter templates with US Federal laws under the Fair Credit Reporting Act (1681) and make provisions for other laws that can be incorporated in the future.

Coding Complexities

Overcoming intricate coding challenges during development, especially in managing and querying MongoDB databases. For Credit Revive, we wanted a flawless implementation of codes that did not hinder the app’s smooth functioning and responsiveness.

Scheduled Letter Sending

Enabling the automatic sending of dispute letters on specific dates posed a logistical challenge in terms of scheduling and execution. We aimed to develop a 4 round dispute letter-sending mechanism for each credit bureau and their credit lines after a certain period (31st days). The task seemed complicated as we had to set a trigger after 31 days to initiate the next round, which was calculated based on the date we sent the last letter.

UX/UI Challenges

Ensuring a seamless and responsive user experience across devices, addressing challenges in the application’s user interface and overall design. Our challenge was to shrink a complex desktop UI onto a mobile screen by prioritizing information, contorting layouts, and innovative interactions by reinventing how to make text bite-sized, tap-friendly target buttons and intuitive swipes and scrolls without compromising the overall functionalities.

Solutions By Logic Square

Addressing the challenges encountered during the development of Credit Revive, Logic Square Technologies implemented robust solutions leveraging a powerful tech stack. PDF parsing challenges were mitigated by implementing efficient parsing mechanisms using Node.js and storing structured data in MongoDB. Integration of OpenAI ChatGPT API enhanced credit report analysis, providing users with accurate insights. AWS (EC2) and Redis were employed for systematic dispute letter sequencing, ensuring a sequenced and organized process.

MongoDB was optimized for dynamic template storage, allowing customizable dispute letters. Complex coding challenges were addressed by streamlining database queries, and AWS facilitated auto-scaling for scheduled letter sending. The front end, developed using React.js/Next.js, ensured a responsive and engaging user experience, overcoming UX/UI challenges. This comprehensive approach resulted in a cutting-edge web application that meets user needs and enhances their financial well-being.

Features & Functionalities

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Profile Creation With Subscription Plans
The app allows users to create profiles and choose from Basic, Pro, and Elite plans, tailoring the Credit Revive experience to their needs and preferences.
Tailored Users Training
Credit Revive empowers users with a targeted training curriculum and guidance, depending on their chosen subscription plan.
Two-Way Verification
The app offers users a robust two-way verification process, ensuring a secure and authenticated sign-up and report generation each time and safeguarding user-profiles and privacy.
Streamlined Document Management & Upload
With the help of this app, users can effortlessly upload and manage essential documents such as credit reports, driver's licenses, and utility bills in various PDF formats.
Automated Credit Report Generation
Credit Revive uses the CRS API to generate accurate and detailed credit reports, giving users a comprehensive view of their financial standing.
AI-powered Dispute Detection and Analysis
It leverages OpenAI API for intelligent dispute detection and analysis, enhancing accuracy and efficiency when dealing with credit bureaus and trade-lines.

Automated Letter Scheduling & Sequencing
The application automates the scheduling and sequencing of dispute letters, ensuring a systematic and organized approach to credit dispute resolution.
Integrated Payment Gateway
The application enables users to make payments securely through an integrated payment gateway, ensuring a smooth and secure transaction process.
A Powerful Dashboard With Graphical Representation
The app is equipped with a powerful and intuitive dashboard that helps users get valuable insights into credit scores, repair activities, summarized dispute counts, and graphical representations of credit scores.
Letters to Bureaus & Tradelines via Third-Party
Credit Revive is responsible for directly sending dispute letters to credit bureaus and tradelines by collaborating with a reputed third-party courier, LetterStream.
Data Security
Prioritizing data security, Credit Revive App employs robust encryption and authentication measures, ensuring the utmost protection for users' sensitive information.

Our Approach

Our development team embraced Credit Revive’s vision, transforming it into an innovative, interactive web application. We utilized the latest technologies and industry best practices to ensure scalability, security, and a seamless user experience. Through continuous communication and collaboration with Credit Revive, we aligned the platform with evolving requirements, delivering a game-changing solution that helps users comprehend, monitor, and repair their credit scores in real-time with data from all three top credit bureaus.

Tech Stack

Table Header
Frontend:	React.js/Next.js
Backend:	NodeJS+Express
Queue Management:	Redis
Auto Scaling:	AWS ALB
Cloud Service:	AWS (EC2)
Database:	MongoDB
3rd-Party Integration:	MailGun, Twilio, AWS (S3), Stripe, OpenAI ChatGPT API, LetterStream, One Signal

Project Outcomes

Our hardships and relentless efforts to make Credit Revive a game-changing web application ultimately paid off. By combining credit monitoring, analysis, and dispute assistance in one user-friendly platform, our developers succeeded in developing an intuitive application that equips users with the tools and knowledge to make informed financial decisions and achieve excellent financial stability. The client was delighted as we developed a user-friendly and secure solution for his users. We are still working on Credit Revive to make it more competitive and refined.

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Credit Revive

The Groundbreaking Web App To Transform Credit Scores

Industry

Business Type

Service

Client Overview

Project Objective

Lorem Ipsum Heading

Tim Branyan

Challenges

Partner Exit

PDF Parsing

OpenAI ChatGPT Integration

Dispute Letter Sequencing

Customized Letter Templates

Coding Complexities

Scheduled Letter Sending

UX/UI Challenges

Solutions By Logic Square

Features & Functionalities

Profile Creation With Subscription Plans

Tailored Users Training

Two-Way Verification

Streamlined Document Management & Upload

Automated Credit Report Generation

AI-powered Dispute Detection and Analysis

Automated Letter Scheduling & Sequencing

Integrated Payment Gateway

A Powerful Dashboard With Graphical Representation

Letters to Bureaus & Tradelines via Third-Party

Data Security

Our Approach

Tech Stack

Project Outcomes

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