AI Credit App Development

$3000-5000 USD

In Progress

Posted 8 days ago

$3000-5000 USD

Paid on delivery

Project Title: Full-Stack Developer / Agency Needed: Integrate [login to view URL] Credit API, Stripe Billing & Email Automation into Existing AI App (React / Python / Node) Project Overview: We are seeking an experienced full-stack developer or agency to complete the final delivery milestone for an **AI app** focused on credit analysis, dispute automation, and mortgage-readiness pipelines. The core engine and backend logic are **already built and deployed**. We recently shifted our data ingestion architecture from iSoftpull to **[login to view URL] (MergePull API)**. We need an experienced developer to implement the new [login to view URL] ingestion layer, integrate Stripe billing, set up [login to view URL] lifecycle email automation, and complete our Phase 2 completion items and beta testing. What is Already Built & Completed: Authentication & Compliance: User sign-up, session handling, consent and disclosure capture (with "no score impact" soft-pull disclosures). Identity Cleanup Gate:** Congruency review algorithms and automated per-bureau personal info dispute/cleanup letter generator. Forensic Credit Engine & Play Caller:** Defect finder, opponent classifier (~20 sub-types), automated dispute strategy selector ("Play Caller"), and embedded legal corpus (FCRA, FDCPA, FACTA, FCBA, CROA). Dispute Letter Generator & Case File:** Agentic statute-citing dispute letter generation, letter grouping, mail/certified tracking input fields, and bureau response upload/outcome tracking. FCRA Scheduling Engine:** Multi-round wait-window scheduling and calculation logic (30-day investigation tracking). Remaining Scope of Work to Be Built: 1. [login to view URL] (MergePull API) Ingestion Layer -Build authenticated `GET` client with SHA256 hashing, mock response mode, and typed error handling. -Implement cross-site account link and secure per-member credential/token vaulting (field-level encryption). -Map Array tri-merge merged JSON payload into internal application data models. -Set up static egress IP (Cloud NAT) for Array IP whitelisting. -Implement credit monitoring snapshotting and error-state handling (inactive, declined, chargeback, no-content). -Coordinate sandbox verification and cut-over to production. 2. White-Label Monitoring Site Theming & Linking -Brand and theme Array’s hosted white-label credit monitoring template to match the AI app UI. -Wire the member onboarding link-out and return redirect loop. 3. Block 3 Completion & Launch Hardening -Credit Ready Evaluator: 5-criterion checklist evaluator + UI progress badge in member dashboard. -Utilization & Behavior Tracking: Live revolving balance/limit tracking against target ratios. -Light Coaching Cards: Text-based guidance cards dynamically rendered across workflow stages. -Regression & Smoke Testing: Hardening of the end-to-end pipeline. 4. Stripe Subscription Billing (Built from Scratch) -Upfront consumer subscription checkout (no free trial, credit card required). -Subscription lifecycle handling, payment-failed webhook management, and platform access gating. 5. [login to view URL] Email Platform Integration & Lifecycle Campaigns -Integrate [login to view URL] SDK and sync user attributes and events. -Set up sender domain reputation and ensure monitoring-only audience segmentation. -Trigger automated campaigns: welcome nudges, "letter ready to mail" instructions, FCRA 30-day follow-up reminders, payment failure alerts, and contact cleanup routines. 6. Beta Testing & Production Handover -Dress rehearsal on Array sandbox / mock identities. -Facilitate 1-week structured beta test across 3–5 representative credit files. -Bug fixes, performance tuning, and formal production sign-off support. Requirements & Preferred Qualifications: -Credit Industry & Regulatory Domain Knowledge: Strong familiarity and experience with **FCRA (Fair Credit Reporting Act), FDCPA, CROA, and US credit reporting laws/workflows. -API Integration: Strong experience integrating third-party financial/credit APIs (direct experience with [login to view URL] / MergePull is a major plus). -SaaS Stack: Proven track record with Stripe Billing (Subscriptions/Webhooks) and [login to view URL] (or SendGrid/Klaviyo). -Security & Compliance: Proficient in secure data handling (AES-256 / field-level encryption for sensitive consumer data) and RESTful API architecture. -Ability to pick up an existing, well-structured codebase and execute cleanly against defined specifications. Submission Instructions: Please provide: 1. Fixed-price or itemized milestone quote broken down across the 6 workstreams above. 2. Estimated calendar timeline / hours to completion. 3. Examples of similar financial, API-heavy, or SaaS platforms you have built.

Full Stack Development

Project ID: 40660531

About the project

246 proposals

Remote project

Active 1 min ago

Looking to make some money?

Email address

Benefits of bidding on Freelancer

Set your budget and timeframe

Get paid for your work

Outline your proposal

It's free to sign up and bid on jobs

Awarded to:

@Herculesz

$0 USD in 20 days

0.0

(0 reviews)

0.0

246 freelancers are bidding on average $3,837 USD for this job

@softwarelinkerrs

At SoftwareLinkers, we understand that the success of your AI credit app heavily relies on flawless integration and smooth operation of various components. Our significant experience in full-stack development, specifically integrating and consuming third-party APIs, positions us perfectly to meet your project's needs. From our portfolio, you can see we've created numerous scalable, data-driven web applications powered by RESTful APIs like yours. Credit industry knowledge is vital for a project like yours, so we're glad to tell you that we're familiar with FCRA, FDCPA, CROA, and other relevant US credit reporting regulations. This means we not only bring the necessary technical skills but also understand the context in which your app operates and how legal compliance is crucial. Lastly, our approach revolves around aligning our work with your business objectives. We ensure clear communication throughout the project lifecycle to maintain transparency and deliver results on time. Rated 4.9★ based on 100+ verified reviews, with a 96% job success rate, our work philosophy focuses on securing long-term relationships with clients through quality service delivery. As your technical partner in this journey, let's build an AI credit app that revolutionizes credit analysis and dispute management while enhancing mortgage readiness pipelines.

$4,500 USD in 38 days

4.8

(27 reviews)

6.1

@raheel2k29

Hello, I’ve reviewed the scope carefully, and this is a strong fit for an experienced full-stack developer who can work safely inside an existing production codebase rather than rebuilding what is already working. I understand that the core AI/credit engine, authentication, dispute workflows, scheduling logic, and case-file functionality are already deployed. My focus would be completing the remaining integrations and launch-hardening work without disrupting the existing system. I would begin with a codebase and architecture audit before modifying the existing production logic. This is particularly important for the Array migration because the data model, encryption, error states, and existing credit workflows need to remain consistent. For payment and sensitive consumer information, I’ll follow a least-privilege architecture, keep secrets out of application code, use encrypted storage for sensitive fields, validate webhook signatures, and avoid storing unnecessary payment credentials. Stripe should remain the payment-tokenization boundary wherever possible. I’m also comfortable working across Python, Node.js, REST APIs, React, Stripe webhooks, third-party integrations, database models, and production debugging. I can provide a detailed technical implementation plan after reviewing the existing repository, deployment architecture, Array sandbox credentials/documentation, and current API contracts. Best regards, RAHEEL

$4,000 USD in 7 days