Smart FCRA

by RJ Business Solutions

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.

Launch interactive demo Start organization

Violations & litigation

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.

Client portal & learning

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.

Compliance posture

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.

Founding Operator Council · Strictly 5 Seats

Founding Operator Passes. Zero monthly fees.

Lock in full software access with no recurring monthly subscriptions. Work directly with CEO Rick Jefferson: request custom features with rapid weekly development turnaround (<5 business days).

Direct Activation: Concierge Hotline
Text "FCRA" to (945) 308-8003 for instant setup
Starter Pass

Starter Package

$397 flat / one-time

Credit repair organizations & solo operators getting started with automated violation detection and dispute generation.

Complete platform access with zero recurring monthly subscriptions. Full 15-category violation engine, generated dispute letters, and Lob automated certified mailing.

  • Full Software Access (zero recurring monthly charges)
  • Unlimited Client Files & unlimited report analyses
  • 15-Category Violation Engine (FCRA, FDCPA, ECOA, Metro 2, State)
  • Litigation Vulnerability Score + statutory/actual damages
  • Generated Letters from File Facts (§ 611, § 623, MOV, C&D)
  • Client Portal Access with CROA cancellation safeguards
  • Lob Certified Mail + 30-Day Investigation Clocks
  • Direct Founding Council Roadmap Access
Text "FCRA" to (945) 308-8003
White-Label Agency

White-Label Enterprise

$1,497 flat / one-time

Enterprise agencies, law firms, and credit franchisors operating under their own sovereign brand universe.

100% white-labeled client & staff portal under your custom domain, custom logo, tailored colors, VIP line to CEO Rick Jefferson, and bespoke feature builds.

  • 100% White-Labeled Portal (yourbrand.com / custom subdomain)
  • Custom Org Branding: your logo, theme colors, and custom letterhead
  • Unlimited Clients, Staff Seats & Admin Roles
  • Dedicated Lob Certified Mail Routing with your firm sender profile
  • Custom Case Law & Letter Strategy Templates
  • Full REST API & Webhook Access for custom CRM/app workflows
  • VIP Direct Concierge to CEO Rick Jefferson & lead architects
  • Bespoke Feature Turnaround: custom requests built in <5 business days
Text "FCRA" to (945) 308-8003

How Founding Activation Works

1. Select your tier: $397 (Starter), $697 (Professional), or $1,497 (White-Label Enterprise).
2. Text "FCRA" with your name and package choice to (945) 308-8003.
3. Your tenant portal, Lob mailing integration, and admin credentials are activated immediately.

Demo

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.

By submitting, you agree we may contact you about Smart FCRA. This is not credit repair enrollment for consumers.

FAQ · SEO / GEO

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.