Credit report analysis is brutal: 4+ hours per client, requires deep FCRA expertise, error-prone, and expensive ($1,500-3,000 for traditional services). SENTINEL does it in 30 seconds with AI precision.
1,400-line AI engine powered by Claude Sonnet 4.5. Self-learning feedback loop improves recommendations with every analysis. Persistent memory across sessions via Model Context Protocol.
1,100-line comprehensive legal knowledge base: 15 federal statutes, 16 case citations, 8 CFPB enforcement actions. Every recommendation includes FCRA citations and compliance verification.
600-line strategy engine with 9-factor deletion probability model. Adaptive escalation logic, cross-bureau leverage detection, and creditor-specific tactics based on verification behavior.
10 creditor intelligence profiles tracking document quality and deletion rates. 3 bureau profiles monitoring e-OSCAR behavior and MOV compliance. Data-driven recommendations.
Tracks strategy outcomes in production database. Adjusts future recommendations based on actual deletion rates. Learns which tactics work for which creditors and bureaus.
Conversational AI with full credit history context. Ask questions like "Why is this priority 3?" or "What's my timeline to 700?" Claude explains every recommendation.
// Real Production API Integration
const response = await fetch('https://api.anthropic.com/v1/messages', {
method: 'POST',
headers: {
'x-api-key': env.ANTHROPIC_API_KEY,
'anthropic-version': '2023-06-01',
'content-type': 'application/json'
},
body: JSON.stringify({
model: 'claude-sonnet-4-5-20250929',
max_tokens: 16384,
messages: conversationHistory
})
});
// Real Metrics (First 3 Days):
// - 19 complete analyses
// - 270,742 tokens processed
// - 10,463 avg input tokens
// - 3,786 avg output tokens
// - $1.68 total cost
// - $0.50/analysis average
Credit repair requires legal precision — one bad recommendation violates FCRA. I'm using SENTINEL on my own credit repair (11 tradelines, 3 bureaus, $18.5K debt) to prove the system works with real consequences before risking customer data. Early validation: 29 reports processed, 19 complete analyses, zero failures. Claude's legal reasoning validated for production use.
SENTINEL is currently in internal testing. We're proving the concept with real credit data before launching to beta users in Q2 2026. Powered by Claude Sonnet 4.5, built to be productized, ready to scale.