AI Credit App Development
Budget / Salary$3,000–5,000
TypeFreelance project
LocationRemote
Posted2 hours ago
Project Title:
Full-Stack Developer / Agency Needed: Integrate Array.com 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 **Array.com (MergePull API)**. We need an experienced developer to implement the new Array.com ingestion layer, integrate Stripe billing, set up Customer.io 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. Array.com (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. Customer.io Email Platform Integration & Lifecycle Campaigns
-Integrate Customer.io 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 Array.com / MergePull is a major plus).
-SaaS Stack: Proven track record with Stripe Billing (Subscriptions/Webhooks) and Customer.io (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 Developer / Agency Needed: Integrate Array.com 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 **Array.com (MergePull API)**. We need an experienced developer to implement the new Array.com ingestion layer, integrate Stripe billing, set up Customer.io 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. Array.com (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. Customer.io Email Platform Integration & Lifecycle Campaigns
-Integrate Customer.io 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 Array.com / MergePull is a major plus).
-SaaS Stack: Proven track record with Stripe Billing (Subscriptions/Webhooks) and Customer.io (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.
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