FCRA Violation Detection
47violation patterns
47 statutory violation patterns scanned across all three bureaus in a single report analysis. Every violation mapped to its statutory citation, severity tier, and FCRA §1681n damage range.
BETA — July 1, 2026
Credit intelligence infrastructure, built for outcomes.
SCORIVA™ delivers enterprise-grade FCRA violation detection, automated dispute management, and Financial Readiness Scoring — purpose-built for consumers who demand measurable results.
No charge before trial ends and your first scan completes — CROA §1679b enforced.
Infrastructure-grade credit intelligence
Every component built to SOC 2 Type II standards with immutable audit logging, 5-layer document encryption, and zero-FTE automation.
Dispute Automation
30day FCRA deadline tracked
AI-generated dispute letters with BoldSign e-signature, certified mail delivery, and automatic FCRA §1681i 30-day deadline tracking. Four dispute escalation paths built in.
FRS™ Financial Readiness Score
5FRS™ signal dimensions
Five-signal composite: Dispute velocity, Rebuild momentum, Goal achievement, Legal escalation readiness, and Score trajectory. 0–100 scale with milestone tracking.
X.R.A.Y. VAULT™
FIPS L3CloudHSM encryption
5-layer document encryption. AES-256-GCM + CloudHSM FIPS Level 3. 7-year FCRA retention enforced at the database constraint level. Litigation hold prevents any deletion.
V.E.R.I.F.Y.™ Identity Gate
100%gated before scan
Cryptographic identity verification required before every scan. Prevents unauthorized report access. SENTINEL-AUTH enforced at every auth touchpoint — no exceptions.
Goal Intelligence
6goal types supported
VA loan, mortgage, auto, business credit, and PCS-triggered goal tracking with AI-generated roadmap steps. Gap analysis from current score to target, with milestone celebration.
SOC 2 Type II security posture, embedded from day one.
ARCEB immutable audit logs capture every PII access event — every read, every write — with SHA-256 hashed IP and user agent. No raw PII ever enters the audit trail. Column-level AES-256 encryption on SSN, account numbers, and bank data via CloudHSM FIPS Level 3.
- ARCEB append-only audit log — no UPDATE or DELETE ever
- RLS on every consumer-facing table at database level
- SENTINEL-AUTH v1.0 on every auth touchpoint
- V.E.R.I.F.Y.™ gate before every credit scan
- 7-year FCRA retention enforced by DB constraint
- 90-day automated secrets rotation via ASI
ARCEB AUDIT RECORD — LIVE EXAMPLE
{
"actor_type": "consumer",
"action": "READ_CREDIT_REPORT",
"table_name": "scv_credit_reports",
"data_classification": "PII_CRITICAL",
"ip_hash": "sha256:a7f3b2...",
"user_agent_hash": "sha256:d91c4e...",
"acpel_trace_id": "trace_01j...",
"created_at": "2026-06-21T18:00:00Z"
}Three tiers. One infrastructure.
Start free for 7 days. No charge before your trial ends and your first scan completes.
Starter
Core credit intelligence with FCRA scanning and automated dispute management.
- Full FCRA violation scan
- Automated dispute letters
- X.R.A.Y. VAULT™ document storage
- FRS™ score with 5 signals
- 30-day deadline tracking
Professional
Advanced goal intelligence and attorney referral network access.
- Everything in Starter
- Goal roadmap with AI steps
- Attorney package generation
- CFPB direct filing
- Score trajectory modeling
Infrastructure
Enterprise-grade API access for lenders, attorneys, and platform builders.
- Everything in Professional
- API access (api.scoriva.ai/v1)
- Lender dashboard
- Attorney collaboration rooms
- Aggregate intelligence reports