Score Edge, Inc is a division of Philo Council a Tennessee and Florida 501(c)3 stewardship ministry.

The ScoreEdge DIY Credit Manual is an easy-to-follow guide designed to help you take control of your credit, correct errors, and improve your credit score independently. It’s the perfect resource for anyone looking to boost their financial health with confidence and simplicity. 

Under federal law, you have the right to receive a Credit Report from each nationwide consumer reporting agency every 12 months. A Credit Score is not included. You'll need to pay for credit monitoring services while working on your credit. This is a requirement, whether you're doing it yourself or hiring a credit repair company.

IMPORTANT: Score Edge is not a credit repair service organization. We do not claim to fix your credit as we are an educational self-help training program offering our software solution. The training will educate you on how to fix errors in your credit reports, why scores are low and ways to improve them. The software application with assist you in speeding up the process of disputing errors.  One of the most tedious tasks that a do-it-yourself credit repair program must perform, is entering or creating custom-made dispute letters. If you have ready-to-go original dispute letters, you can plug them in, enter your personal information or family or friends one time, and away you go! The best part about ScoreEdge is the FREE hands-on assistance we offer every member as a non profit organization. Not only do you get access to the same expert VAs used by credit repair companies, but our VAs can also log into your software and handle the work for you—all at no additional cost when you're a member! 

Our software gives the user the ability to upload our partner's credit reports, enter and track credit scores, send duplicate letters to other CRAs or creditors without typing anything, and the printing of envelopes, saving the user data input time. In addition, you can automatically fax a generated letter directly from your dashboard to any number e.g. credit bureau, creditor, or other sources, and you can also automatically send a letter via first-class or certified mail directly from your dashboard without going to the post office. Our software application will allow you to throw away the word processor and is a more efficient method of generating letters, therefore, it is a powerful addition to current credit repair software users.

Most ready-to-go solutions in the DIY market require you to type your information over and over again and you can't customize them. They also don't remind you when to follow up.  You have this ability within  our Automation software to create your own letters.

You can import credit reports, generate letters and manage the process. When using the program, results may vary for each individual.

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a compliant credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for up to 10 years. Credit bureaus must follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of the information in your credit file. The credit bureau must then reinvestigate, modify, or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau to be kept in your file, explaining why you think the record is inaccurate and inside of the score edge program, you will learn the pro and cons of taking such actions. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

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