Credit Scorecerer

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Mission

With more than 50 million young credit card users in the U.S. and a growing interest in AI-powered financial tools, Credit Scorecerer meets a clear and underserved need. Our mission is to:

Simplify credit education
Reduce financial stress
Promote upward mobility through smarter, tech-enabled decision-making.

Unlike traditional apps, we provide active, not just passive, credit guidance — helping users make informed financial decisions and take immediate steps toward better credit health.

Inspiration

As a student balancing between college life and having cool experiences such as hackathons while also looking to build credit score, I want to know all the tips and tricks to make strategic credit card decisions that allow me to save, build credit, and enjoy anything I can reasonably afford!

What it does

Credit Scorecerer is a personal finance tool that helps users improve their credit health through real-time, AI-powered insights. The app leverages predictive modeling, personalized guidance, and spending analysis to optimize users’ credit card activity — recommending payment strategies, usage timing, and reward-maximizing purchases so users stay on top of their credit effortlessly.

How it's built

I built Credit Scorecerer to be cross-platform using TypeScript, React Native, and Kotlin with a focus on the web app deployed on Vercel. I also utilized Google Gemini API to build an AI-assisted inquiry form where users can consult on a payment they are about to make and their card choice for predictive analysis and recommendations. I also incorporated an AI-assistant chat agent with Gemini for users to ask anything away, from details and policies with a certain credit card to personalized support.

Accomplishments that we're proud of

Built an all-in-one personalized credit management and guidance support beyond just account and credit score information: The algorithm utilizes Google Gemini API to evaluate multiple credit cards, balances, and reward structures to make smart financial suggestions such as "Use Card A instead of Card B for this grocery order to maximize 3% cashback rewards.”
Provide real-time account balance and credit information -> informed decisions with card usage: The platform analyzes real-time account activity (payment history, credit utilization, age of credit, etc.) to forecast credit score changes using predictive analysis. It informs users how specific actions like paying off a balance early or keeping utilization under 30% can impact their score.
Personalized Chat-based Financial Coach with Google Gemini API: An AI assistant built on Gemini API to answer user questions about credit, debt management, and budgeting. This bridges the financial knowledge gap for young users with limited exposure to financial education.

Challenges we ran into

Due to sensitive personal information involved in testing the app, I was unable to show my bank accounts information and details. Security is also essential in fintech app. For that reason, instead of reinventing the wheel, I am utilizing credible third-party APIs such as VISA's DPS and Card Account, Plaid APIs, and CRS APIs for Equifax soft credit report, etc. to handle sensitive information on the back-end. With more time, these will come into full play, working together to bring us a powerful all-in-one platform for personal financial management!

What we learned

Building fintech products go hand-in-hand with good cybersecurity practices and awareness of legal policies. We need to be careful with how information is processed and stored as well as legal practices around handling sensitive information. We are utilizing third-party parties with credible security and legal capabilities such as VISA, Plaid, Postman, etc. to reliably blackbox certain aspects of information handling and ensure privacy and protection for users. We got to explore tools, relevant products, and developer documentations around the topic and learned a lot!

What's next for Credit Scorecerer

Integrating VISA DPS Card and Account Services APIs to calculate users' total checking balance to evaluate potential for credit card payments and provide better financial guidance https://developer.visa.com/capabilities/dps-card-and-account-services
Bank account securely linked through Plaid API for cached and real-time account balance for free https://plaid.com/docs/balance/#cached-and-realtime-balance
Soft credit pulls through using Postman requests on a third-party API called CRS https://crsecreditmonitoringapi.redoc.ly/tag/DevTools-Web-Widget-with-Integrated-Authentication/ that allows users to securely view their Equifax report data on Credit Scorecerer.
Securely link and store encrypted data about users' third-party affiliations and information in our database.
Research into the legal and security requirements of a fintech platform to incorporate into the product.

Ideation credit: Erick Li