700 Credit Club Experts

Full-stack credit restoration SaaS platform. Consumer law-compliant, FCRA/FDCPA-grounded, Florida licensed. Built for real clients doing real dispute work — not a template, not a course wrapper.

79% of Americans have errors on their credit reports. This platform finds them, disputes them, and tracks the outcome.

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What This Is

A production web application that handles the full credit restoration client lifecycle:

Lead Capture → Audit Intake → Program Enrollment → Client Portal
     ↓               ↓               ↓                   ↓
 Free Audit      AI Analysis      Stripe Payment      CRC Sync
     ↓               ↓               ↓                   ↓
  Email #1      Score Report    Welcome + Login     Dispute Rounds
                                                         ↓
                                              8-Email Drip Sequence
                                                         ↓
                                              30-Day Check-In + Upsell

AI dispute analysis is handled by Agent Nova (private repo — 700creditclub-bot), which integrates with Credit Repair Cloud and automates dispute letter generation, bureau targeting, and round tracking.

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Tech Stack

Layer	Technology
Frontend	React 18, Vite, TypeScript, Tailwind CSS, shadcn/ui
Backend	Node.js, Express.js
Database	PostgreSQL (Neon) + Drizzle ORM
Auth	JWT (HS256) + PBKDF2 password hashing (100k iterations, SHA-512)
Email	Resend API — 8-email automated sequence
AI Layer	Agent Nova (Credit Repair Cloud integration — private)
Deployment	Railway (full-stack) or Netlify + Railway (split)
Serverless	Netlify Functions (analyze-credit, api)

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Pages (13 Routes)

Route	Page
/	Home — Hero, Stats, Bridge, Programs, Client Results
/audit	Free Credit Audit Intake
/start-audit	Full Audit Workflow
/enroll	Self-Enrollment (Save $400)
/programs	All Credit Programs
/home-ownership	Mortgage Readiness Program
/business-credit	Business Credit Division
/features	Platform Features
/about	About 700 Credit Club Experts
/portal	Client Portal (JWT protected)
/affiliate	Affiliate Portal (JWT protected)
/thank-you	Confirmation / Thank You
/success	Enrollment Success

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Programs & Pricing

Program	Price	Affiliate Commission (20%)
Partial Sweep	$199	$39.80
Full Sweep	$499	$99.80
Full Sweep + Builder	$749	$149.80

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Email Automation Sequence (8 Emails)

Triggered automatically on enrollment via Resend API. Full HTML branded templates.

#	Trigger	Email
01	Enrollment	Welcome + Portal Credentials
02	Day 2	Credit Hero Score Breakdown
03	Day 5	Report Review Call CTA
04	Round 1 Sent	Dispute Letters Dispatched
05	Bureau Response	Bureau Response Received
06	Round Complete	Round Summary + Next Steps
07	Program End	Program Complete + Results
08	Day 30	30-Day Check-In + Upsell

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API Endpoints

Auth

Method	Path	Auth	Description
POST	/api/auth/register	None	User registration
POST	/api/auth/login	None	Login → JWT
POST	/api/auth/refresh	Refresh token	Token rotation
POST	/api/auth/logout	JWT	Revoke tokens
GET	/api/auth/me	JWT	Current user
POST	/api/auth/change-password	JWT	Update password

Client & Affiliate

Method	Path	Auth	Description
POST	/api/intake	None	Audit form submission
GET	/api/client/dashboard	JWT (client)	CRC data proxy
GET	/api/affiliate/dashboard	JWT (affiliate)	Affiliate stats
GET	/api/affiliate/referral-link	JWT (affiliate)	Generate referral URL

Admin

Method	Path	Auth	Description
GET	/api/admin/leads	Admin key	All leads
GET	/api/admin/users	Admin key	All users
PATCH	/api/admin/users/:id/crc	Admin key	Link CRC account

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Security

• PBKDF2 password hashing (100,000 iterations, SHA-512)
• JWT access tokens (15 min) + refresh tokens (30 days) with rotation
• Rate limiting: auth (10/15min), API (60/min), intake (5/hour)
• Role-based access control: client / affiliate / admin
• Security headers: HSTS, CSP, X-Frame-Options
• CORS whitelist
• Input sanitization (XSS prevention)
• Audit logging for all sensitive actions
• CRC API key never exposed to client (server-side proxy only)

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Credit Repair Cloud Integration

The client portal proxies all CRC data server-side. The API key never touches the frontend.

Without CRC_API_KEY, portals run in mock data mode — safe for demos and development.

CRC endpoints used:

GET /clients/:id          → Client profile and scores
GET /clients/:id/disputes → Dispute items
GET /clients/:id/rounds   → Dispute rounds
GET /affiliates/:id       → Affiliate data

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AI Layer — Agent Nova

The dispute analysis and automation engine lives in a separate private repo (700creditclub-bot). It handles:

• Credit report ingestion and error identification
• Dispute letter generation (FCRA/FDCPA compliant)
• Bureau targeting (Experian, Equifax, TransUnion)
• Round tracking and follow-up automation
• Go High Level integration for client communication

This repo (the platform) calls the agent via API. The agent's prompt engineering, workflow logic, and CRC automation are proprietary.

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Setup

1 — Clone and install

git clone https://github.com/tradersurfer/700creditclubexperts.git
cd 700creditclubexperts
npm install

2 — Configure environment

cp .env.example .env

Required variables:

DATABASE_URL=        # PostgreSQL connection string (Neon recommended)
JWT_SECRET=          # 64+ character random string
RESEND_API_KEY=      # From resend.com
ADMIN_API_KEY=       # Random string for admin endpoints
CRC_API_KEY=         # Credit Repair Cloud API key (optional — runs mock without it)
FRONTEND_URL=        # Your deployed frontend URL

3 — Set up database

npm run db:push

4 — Run locally

npm run dev

Runs full-stack on http://localhost:5000

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Deployment

Railway (Recommended — Full Stack)

railway login
railway init
railway up

Set all .env values as Railway environment secrets.

Netlify + Railway (Split)

Frontend (Netlify):

• Build command: npm run build
• Publish directory: dist/public
• Add VITE_API_URL = your Railway backend URL

Backend (Railway):

• Deploy server/ separately
• Set FRONTEND_URL to your Netlify domain

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Compliance

Licensed in the State of Florida.

• 15 USC § 1681 — Fair Credit Reporting Act (FCRA)
• 15 USC § 1692 — Fair Debt Collection Practices Act (FDCPA)

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Contact

• Sales: sales@700creditclubexperts.com
• Admin: jecitax@gmail.com
• Community: skool.com/700-credit-club-experts-7830
• Facebook: facebook.com/700creditexperts

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Part of the JECI Group Stack

Built and maintained by Adrian Jordan · JECI Group

Related: 700creditclub-bot (private) — Agent Nova, the AI dispute engine that powers this platform.

Financial sovereignty isn't a mindset. It's an architecture.