Stop losing dispute deadlines in a spreadsheet
Credit4Ever is the CRM for U.S. credit repair agencies: it parses credit reports, generates FCRA-compliant dispute letters, tracks every 30-day deadline, and shows exactly what changed between one report and the next. Built for agencies serving the Hispanic community: the app, the client portal and the contracts all work in Spanish, not just a translated menu.
No credit card required · Free plan available · Cancel anytime
Built around U.S. consumer protection law: Credit Repair Organizations Act (15 U.S.C. § 1679), Fair Credit Reporting Act, and Florida Credit Services Organizations Act.
Live FCRA deadlines
- 6 days
Experian
Round 2 · sent Jul 8
- 14 days
TransUnion
Round 1 · sent Jul 16
- 23 days
Equifax
Round 1 · sent Jul 25
Every letter starts a 30-day clock under FCRA § 611(a)(1). The countdown runs on its own — no spreadsheet to update.
Illustration with data from a fictitious client.
Per-client credit report: scores by bureau (Experian / TransUnion / Equifax), automatically extracted tradelines, payment history grids and one-click FCRA dispute generation. Client names blurred for privacy.
Live platform numbers — updated every minute
- 700+
- Credit accounts analyzed
- 50
- Credit reports parsed
- 78
- Dispute letters generated
- 9
- Agencies on the platform
How it works
From one report to the next, the loop closes by itself
Most tools stop the moment the letter goes out. Credit4Ever keeps going: it compares the new report against the previous one and tells you what actually changed.
- 1
Import the report
Upload the PDF. Every account, inquiry and late-payment grid is extracted for you — no retyping.
- 2
Generate the disputes
Pick the items, answer a few questions and the letters come out per bureau, with the 30-day FCRA clock already running.
- 3
Import the next report
Weeks later you upload the updated report exactly the same way. Nothing else to set up.
- 4
It compares them for you
You see what was deleted, what improved and what came back — reinsertions included, as required by FCRA § 611(a)(5)(B).
The comparison reports what the two credit reports say, not a promised outcome. Results vary from case to case.
Agency dashboard
Open the app and you already know what to do today
Revenue, funnel and workload on one screen — and below it, the only list that matters: what needs you right now, ordered by how close the deadline is.
- Collected this month, outstanding invoices and 12-month revenue trend.
- Onboarding funnel from invited to active, so you see where clients stall.
- FCRA deadlines, unsigned contracts, overdue invoices and unparsed reports in one panel.
- Agents only ever see the clients assigned to them.
Collected (month)
$14,280
+18% vs. last month
Active clients
63
+7 this month
Open disputes
41
9 awaiting response
Reports parsed
128
12 this week
Onboarding funnel
Needs your attention
- Experian dispute · FCRA deadline2 days
- Contract sent, still unsigned5 days
- Invoice INV-0184 overdue8 days
- Report uploaded, not parsedtoday
Illustrative layout with sample data from a fictional agency.
Score change vs. previous report
Experian
648
+42
TransUnion
655
+37
Equifax
631
+29
Detected changes
- EX · TU · EQ
MIDLAND CREDIT MGMT
Collection removed
- EX · TU
CAPITAL ONE ····4417
2 late marks removed
- EQ
LVNV FUNDING LLC
Collection removed
- TU
PORTFOLIO RECOVERY
Reinserted after deletion
Reinsertion detected. FCRA § 611(a)(5)(B) requires the bureau to notify you in writing within 5 business days.
Illustrative layout with sample data from a fictional client.
Report-to-report comparison
See exactly what changed between one report and the next
Upload a second report for the same client and the platform compares them item by item and bureau by bureau. No more reading two PDFs side by side to figure out what moved.
- Deleted, improved and newly added accounts, per bureau.
- Late marks and inquiries that disappeared, counted separately — never mixed into the account total.
- Reinsertion detection: an item that was deleted and came back. Under FCRA § 611(a)(5)(B) the bureau must notify you in writing.
- The client sees the same progress in their own portal, in plain language.
The platform reports changes observed between two credit reports. It does not predict, promise or guarantee any outcome — no one can, and under CROA it would be illegal to claim otherwise.
See it in action
Real screenshots from the platform — client names and emails blurred for privacy. This is what consultants and their clients actually use every day.
Negative accounts at a glance
The system parses every tradeline and highlights charge-offs, collections and late accounts with bureau coverage. One click jumps from a finding straight into the dispute wizard.
FCRA-compliant dispute wizard
Four-step flow: select items, resolve A/B decisions, review and generate. Letters bundle accounts per bureau and ship with FTC Identity Theft Report, CFPB complaint and Affidavit of Dispute.
Bilingual contracts with e-signatures
Every contract is a bilingual PDF (ES/EN) with full CROA and Florida CSO disclosures. Auto-emailed to the client, signed inside the portal, archived with audit trail.
Per-agency billing with Stripe Connect
Each agency connects its own Stripe account. Multi-line invoices, recurring services, automatic receipts. Card data never touches our servers — Stripe Checkout handles PCI.
Click any screenshot to enlarge. Press Escape or click outside to close.
Everything a credit repair agency needs in one place
Stop juggling spreadsheets, PDFs, email threads and a dozen disconnected tools. Credit4Ever consolidates your entire workflow.
Client management & onboarding
Public registration links per agency, multi-stage onboarding (invited → registered → active), client portal with KYC document upload (encrypted at rest).
Automatic credit report parsing
Upload PDFs from SmartCredit and other providers. The system analyzes the report and extracts every tradeline, inquiry, payment history and finding automatically.
FCRA-compliant disputes
Generate dispute letters tied to specific tradelines and bureaus. Track status, deadlines and reinsertions with full audit trail.
Contracts & e-signatures
Bilingual ES/EN contract PDFs with full CROA disclosures, digital signature capture, and automatic delivery via email.
Appointments & Google Calendar
Public booking pages per agency, per-agent availability, real-time Google Calendar sync, automatic Google Meet links, and editable email reminders.
Billing via Stripe Connect
Each agency connects its own Stripe account. Per-agency invoices, recurring services, and PCI compliance handled by Stripe Checkout. We never store card data.
Built for licensed professionals
Simple pricing, no setup fees
Start free, upgrade when you have clients. No contracts, no onboarding fees, cancel anytime.
Free
Try the full platform
- Automated credit report analysis
- Bilingual contracts with e-signature
- Client portal
- Email support
Pro
For growing practices
- Everything in Free
- Unlimited credit reports
- Stripe Connect billing
- Appointments + Google Calendar
Agency
For established agencies
- Everything in Pro
- Dispute letter generation
- Multiple agents with data isolation
- Agency dashboard with KPIs and funnel
- Report-to-report progress tracking
- Priority support
Prices in USD, billed monthly, read live from our billing system. Taxes may apply. Your clients pay you through your own Stripe account — we never take a cut of your revenue.
Trust & security
We handle sensitive financial documents — Social Security numbers, government IDs, credit reports. Security is not a feature, it's the foundation.
AES-256-GCM at rest
Sensitive KYC documents (IDs, SSN proofs, address proofs) are encrypted with AES-256-GCM before being stored. Encryption keys are held outside the database.
Per-agency data isolation
Each agency's data lives in its own private space. Isolation is enforced at the database layer, not just in application code — a user from another agency can't see your information, even by mistake or through an app-level bug.
Encrypted connection (TLS 1.2+)
All communication between your browser and the platform travels encrypted with TLS 1.2 or higher. The infrastructure enforces modern transport security policies to prevent interception or tampering of data in transit.
Stripe-hosted payments
We never see card numbers. All payments go through Stripe Checkout. Webhooks verify signatures and reject replay attacks across agencies.
Multi-factor authentication
Optional TOTP-based MFA for all staff accounts. Available in account security settings, enforced via AAL2 once enabled.
Audit logging
Document access, login attempts (success / failed / blocked), and automatic report processing are logged with retention windows (90–365 days) for compliance review.
Frequently asked questions
Still deciding? These are the questions we get most often.
What is Credit4Ever?
Credit4Ever is a CRM built specifically for U.S. credit repair agencies and financial consultants. It provides AI-powered credit report parsing, FCRA-compliant dispute letter generation, digital contracts with e-signatures, Stripe Connect billing, and Google Calendar scheduling — all in one platform.
Is Credit4Ever compliant with CROA and FCRA?
Yes. Every contract generated by Credit4Ever includes the mandatory Credit Repair Organizations Act (CROA) disclosures under 15 U.S.C. § 1679, the Florida Credit Services Organizations Act disclosure, and the 3-day cancellation right. Dispute letters follow FCRA § 611 requirements.
How does the AI credit report parsing work?
Upload a PDF credit report from any major provider (MyFreeScoreNow, SmartCredit, IdentityIQ, etc.). Our AI extracts tradelines, inquiries, personal info, and scores for all three bureaus (Experian, TransUnion, Equifax), detects negative items, and calculates FCRA obsolescence dates automatically.
What happens when I upload a second report for the same client?
The platform compares both reports and shows what changed per bureau: deleted accounts, improved accounts, late marks and inquiries that disappeared, and any new negatives. It also flags reinsertions — an item that was deleted and came back — which under FCRA § 611(a)(5)(B) require the bureau to notify you in writing. These are changes observed in the report, not guaranteed outcomes.
How much does Credit4Ever cost?
Credit4Ever offers 3 plans: Free (up to 1 client, $0/month), Pro (up to 20 clients, $79/month), Agency (unlimited clients, $159/month). All plans include automated credit report analysis, bilingual contracts with e-signatures, and a client portal. Dispute letter generation is available on the Agency plan. Paid plans (Pro, Agency) are billed monthly and can be cancelled at any time.
Can my clients sign contracts and pay online?
Yes. Clients receive contracts by email, review them in a secure portal, and sign digitally. Payments are processed through Stripe Connect — each agency connects their own Stripe account, and clients pay via Stripe-hosted checkout. No credit card data ever touches our servers.
Start free today
Create your agency, upload a credit report and generate your first dispute letter. No card, no setup call, no onboarding fee.
Free plan available. Paid plans billed monthly, cancel anytime.