ScoreShuttle
ScoreShuttle is a San Diego fintech founded in 2018 that provides U.S. consumers and lenders with credit monitoring and automated dispute-management tools, sold via freemium subscriptions and a B2B platform called Reflight.
- Company typePrivate
- Founded2018
- HeadquartersSan Diego, United States
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What ScoreShuttle does
ScoreShuttle is a San Diego-based consumer fintech founded in 2018 that provides credit monitoring and dispute-management software to U.S. individuals, with a parallel B2B product called Reflight serving mortgage and loan companies. Its consumer offering is delivered through a freemium mobile/web app: a free tier plus Discovery ($41/month) and Voyager ($83/month) subscriptions, built around a Dispute Hub that surfaces potentially inaccurate items on Experian, Equifax, and TransUnion reports, automates dispute-letter generation and routing, and tracks outcomes across bureaus. The company positions itself on user-reported outcomes (testimonials cite 60–150 point score improvements; it claims 101,000+ errors removed and that 89% of users with three on-time payments see at least one disputed item removed), though these figures are self-reported and unaudited.
The technology stack relies on anomaly detection logic to flag disputable items and process automation to manage dispute workflows, with Experian as the primary upstream credit-data partner and CRM integrations as the B2B distribution layer. There is no public evidence of proprietary AI/ML models, patents, or research output; the AI characterization is more accurately described as AI-adjacent automation than differentiated machine learning.
On the revenue side, ScoreShuttle operates a subscription-led B2C model with three tiers and a per-seat or per-loan B2B motion via Reflight, supplemented by referral partnerships with CreditBuilderCard.com and DebtWave that route adjacent credit-builder and debt-consolidation traffic into the app. The company is privately held, has 11–50 employees, has not disclosed any funding rounds or acquisitions, and publishes limited leadership information beyond a named Credit Content Specialist.
ScoreShuttle firmographics
Firmographics- Name
- ScoreShuttle
- Legal name
- ScoreShuttle
- Website
- https://scoreshuttle.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- ScoreShuttle is a San Diego fintech founded in 2018 that provides U.S. consumers and lenders with credit monitoring and automated dispute-management tools, sold via freemium subscriptions and a B2B platform called Reflight.
- Ownership category
- akta.pro rank
ScoreShuttle industry classification
Industry- Product category
- Credit Management Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Consumer Credit Reporting, Collection Agencies (7320)
- akta.pro primary industry
- Credit Score Monitoring & Credit Building (FSAGADAE)
- akta.pro secondary industry
- Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)
Keywords
Where ScoreShuttle is headquartered
LocationHeadquarters
- HQ city
- San Diego
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
ScoreShuttle business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Subscription Revenue: Monthly subscription SaaS model with three tiers. Free tier provides initial Experian credit score. Paid tiers (Discovery at $41/month, Voyager at $83/month) offer unlimited disputes, credit monitoring, and premium support. Users can save up to 16% with biannual billing.
- Affiliate/Referral Fees: ScoreShuttle receives referral fees from partners such as CreditBuilderCard.com for credit building card sign-ups and DebtWave for debt counseling referrals.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier with basic Experian credit score access |
| Subscription | Monthly | Mid-tier plan focused on dispute management |
| Subscription | Monthly | Premium tier with comprehensive credit management |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
ScoreShuttle product offering
Product offeringCore offering
ScoreShuttle provides a cloud-based SaaS credit management platform that consolidates 3-bureau credit score and report access, automated dispute filing with Experian, TransUnion, and Equifax, and real-time credit and identity monitoring. It operates on a freemium subscription model with self-serve onboarding, and extends into B2B through its Reflight add-on, which lets mortgage and loan companies re-engage declined applicants.
Product overview
ScoreShuttle is a unified credit management SaaS platform comprising a core web application and multiple subscription tiers. The platform's primary offering is the Dispute Hub, which automates credit report dispute filing with all three bureaus (Experian, TransUnion, Equifax). The product portfolio includes three subscription plans: Launchpad (free, single bureau score), Discovery ($41/month, unlimited disputes), and Voyager ($83/month, full 3-bureau access with premium features). An enterprise add-on called ScoreShuttle Reflight enables mortgage/lender partners to integrate declined applicants into credit improvement workflows. The platform is complemented by a preferred partner credit-building card (CreditBuilderCard.com) and debt counseling referrals (DebtWave).
Differentiator
Problem solved
Functional benefit
Brands
- Reflight: Credit Reengagement Platform that enables mortgage and loan businesses to help declined applicants manage their credit standing and notify them when it's time to reengage for financing.
Products and services
- ScoreShuttle Platform Cloud-based credit and financial management platform providing 3-bureau credit score and report access, automated dispute management, and real-time credit monitoring through a unified web and mobile-accessible dashboard, aimed at individual consumers looking to understand and improve their credit.
- ScoreShuttle Reflight
Quantifiable outcome
- Users who make 3 on-time subscription payments see at least 1 disputed item come off their report
- +2 more outcomes
Companies that use ScoreShuttle
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
ScoreShuttle technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature5 records
ScoreShuttle partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- ExperiancoreStrategic partnership to provide users with their initial credit score at no cost. ScoreShuttle accesses consumer credit reports and scores from Experian pursuant to user authorization, providing Experian credit score and suite of financial tools to users signing up for the free tier.
- CreditBuilderCard.comminorPreferred partner offering users access to a Mastercard credit builder product with no annual fee, no interest, and no credit check. ScoreShuttle may receive referral fees for users who sign up for Credit Builder Card services.
- DebtWaveminorPreferred partner for debt counseling and consolidation services. ScoreShuttle refers users who may need debt consolidation assistance to DebtWave, a nonprofit credit counseling service. ScoreShuttle may receive referral fees for these referrals.
- CRM Platforms (Reflight Integration)coreReflight platform was built to plug-and-play with existing CRM tools used by mortgage and loan companies. The integration allows companies to enroll declined applicants, set credit benchmarks, and trigger automated follow-up sequences when prospects achieve target credit standing.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
ScoreShuttle competitors and assessment
Company assessmentDirect peers
- Credit Karma: Owned by Intuit, Credit Karma offers free credit score and report monitoring across all three bureaus plus personalized financial product recommendations. It is the largest free alternative to ScoreShuttle's paid credit management and dispute product.
- SmartCredit: Provides 3-bureau credit monitoring with built-in dispute management and score tracking, overlapping closely with ScoreShuttle's Dispute Hub and 3-bureau access product positioning.
- Credit Sesame: Free credit score monitoring with premium tiers and financial product marketplace. Competes directly for ScoreShuttle's target consumer with similar freemium-to-paid credit monitoring mechanics.
- Lexington Law: Credit repair firm that has historically been one of the largest players in the dispute and credit improvement category, directly addressing the same consumer pain points ScoreShuttle targets.
- CreditRepair.com: Subscription-based credit repair service that challenges inaccurate items on consumer credit reports, overlapping directly with ScoreShuttle's Dispute Hub functionality.
Broad incumbents
- Experian (Consumer Services): One of the three major credit bureaus and a strategic partner of ScoreShuttle, while also offering a direct-to-consumer credit monitoring and identity protection product that competes with ScoreShuttle's offering.
- TransUnion (Consumer Services): Major credit bureau that provides direct credit monitoring, identity protection, and credit management services to consumers, competing with ScoreShuttle while also being a data source.
- Equifax (Consumer Services): Third major credit bureau with its own consumer credit monitoring and identity protection products, serving as both an essential data provider and a direct competitor.
Emerging players
- MoneyLion: Consumer fintech platform that bundles credit monitoring, credit builder loans, and banking. Overlaps with ScoreShuttle on credit monitoring and credit-building card products for subprime consumers.
- Self Financial: Credit builder product company offering secured cards and installment loans that report to all three bureaus, intersecting with ScoreShuttle on credit-building card offerings and bureau-based score improvement.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
ScoreShuttle social profiles
Digital presenceScoreShuttle financial estimates
Financial estimateRevenue estimate
Valuation estimate
ScoreShuttle leadership team
Management profileNumber of profiles
Profiles1 record
ScoreShuttle funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ScoreShuttle M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ScoreShuttle
What does ScoreShuttle do?
ScoreShuttle provides a cloud-based SaaS credit management platform that consolidates 3-bureau credit score and report access, automated dispute filing with Experian, TransUnion, and Equifax, and real-time credit and identity monitoring. It operates on a freemium subscription model with self-serve onboarding, and extends into B2B through its Reflight add-on, which lets mortgage and loan companies re-engage declined applicants.
Is ScoreShuttle a public or private company?
ScoreShuttle is a private company. It is classified as unknown and is currently operating.
When was ScoreShuttle founded?
ScoreShuttle was founded in 2018. It employs 11 to 50 people.
Where is ScoreShuttle based?
ScoreShuttle is headquartered in San Diego, United States, in the North America region.
How does ScoreShuttle make money?
Two revenue lines are on record. Subscription Revenue is the primary driver. The others are affiliate/Referral Fees.
Who are ScoreShuttle's main competitors?
Direct peers on record are Credit Karma, SmartCredit, Credit Sesame, Lexington Law and CreditRepair.com. Broad incumbents are Experian (Consumer Services), TransUnion (Consumer Services) and Equifax (Consumer Services). Emerging players are MoneyLion and Self Financial.
Does ScoreShuttle have an API?
No public API is recorded for ScoreShuttle.
What industry is ScoreShuttle in?
ScoreShuttle's product category is Credit Management Software. Its primary akta.pro industry code is FSAGADAE, Credit Score Monitoring & Credit Building, with a secondary code of FSAKAKAJ, Credit Education, Monitoring & Consumer Credit Management Tools. Its NAICS code is 5223 and its SIC code is 7320.