Cora handles consumer intake, dispute prep, and follow-up — fully CROA-compliant. AI for credit repair organizations and credit counseling agencies that runs your front office at $997/month. Live in 7 days. 30-day money-back guarantee.
Call the number below. Pretend to be a consumer with a derogatory on your credit report. Cora will walk you through the CROA-compliant intake, gather the right documentation, and schedule a follow-up with your team — all without quoting outcomes or guaranteeing score lifts.
Call the line. Tell her you saw this page and want a stress test. Throw a consumer-intake scenario at her — collections on your credit report, a wrong late payment, a charge-off you don't recognize. Cora will run the CROA-compliant flow: capture the situation, deliver the Information Statement, request documentation, schedule a follow-up. You'll know in 90 seconds whether this replaces your part-time intake specialist.
Built specifically for credit repair organizations and credit counseling agencies. CROA-compliant by design — no shortcuts, no promises, no auto-actions on legal work product.
Inbound calls, web form submissions, SMS, social DMs. Cora picks up within 30 seconds with CROA-compliant scripting.
What's on the report. What documentation the consumer has. Timeline of the derogatory. Bankruptcy or settlement history. Cora captures the data your team needs to know if you can help — before they spend an hour on the phone.
CROA Information Statement and 3-day right-to-cancel disclosures sent via email and SMS during intake. Confirmation captured. Compliance audit trail logged.
Cora sends secure upload links for credit reports, government ID, supporting docs. Documents are organized into the consumer's file before your team opens it.
CROA prohibits guaranteeing score improvement. Cora is configured to never quote score lifts, timelines for results, or specific outcomes. She captures and routes — your team handles the substantive consultation.
Cora will not quote, intake, or contract for debt-adjustment or debt-consolidation services for NC consumers. NC § 14-423 makes for-profit debt adjusting a Class 2 misdemeanor — Cora respects the line.
Credit repair organizations spend 60-70% of intake-specialist time on consumers who don't qualify or never sign. Cora filters and qualifies before your team gets the call.
$600-$2,400 across 4-12 months of service. Each missed qualified intake = lost revenue + the time savings of skipping the unqualified ones.
$2,500-$4,000/month for part-time intake covering business hours only. Cora runs 24/7 and never quits mid-pipeline.
60-70% of inbound credit repair inquiries don't end up signing — bankruptcy issues, NC residents asking for debt adjustment, scope mismatches. Cora filters those before they hit your team.
$997/month. 24/7. Qualifies, discloses, captures docs, filters. 30-day money-back if she doesn't pay for herself.
Two tiers. Pilot to get Cora live qualifying intake. Optimizer to plug her into Credit Repair Cloud and your dispute workflows.
If Cora doesn't qualify and route at least 5 consumer intakes in your first 30 days that would have otherwise gone to voicemail or burned your team's time on unqualified leads, we refund the first month. No paperwork.
Honest answers to the compliance and capability questions every CRO owner asks.
AI for credit repair handles the high-volume work that eats into your team's time: consumer intake calls, qualifying which credit items can be disputed, gathering documents, prepping dispute templates, and following up on bureau response timelines. It does not give legal advice or guarantee outcomes — both prohibited under CROA.
Yes — when configured correctly. Cora is built CROA-compliant: no score-improvement promises, no upfront fees collected before services are performed, all consumers receive the required Information Statement and 3-day right-to-cancel disclosures, and outcome language stays factual. Cora is an intake and workflow tool, not a substitute for proper credit repair organization licensing.
The Optimizer tier integrates with Credit Repair Cloud and similar CRMs to generate dispute letter templates based on consumer-provided documentation. Templates are reviewed by your team before sending — the AI does not auto-send dispute letters on your behalf. This keeps the substantive legal work product in human hands per CROA best practices.
Cora is $997/month for the Pilot tier. The Optimizer tier with Credit Repair Cloud integration and dispute letter generation is $2,997 setup + $797/month. Compare to a part-time intake specialist at $2,500-$4,000/month covering only business hours.
North Carolina § 14-423/424 (Debt Adjusters Act) makes for-profit debt adjusting a Class 2 misdemeanor in NC. This is a separate regulation from CROA credit repair work. Cora is configured to never quote, intake, or contract for debt-adjustment or debt-consolidation services in NC. Out-of-state operators with NC consumers should consult counsel before structuring any service that touches debt arrangement.
She never quotes specific score improvements, never collects fees before services are performed, never quotes results timelines, never auto-sends dispute letters without team review, never gives legal advice, and never intakes for debt adjustment in NC. The boundaries are structurally enforced in the agent's configuration.
If Cora doesn't qualify and route 5+ consumer intakes in your first 30 days that would have gone to voicemail or burned your team's time on unqualified leads, we refund the first month's $997. The agent stays configured to your firm.
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