National Credit Dispute Adjudication Corp.

Creditswarm.comCreditswarm.herokuapp.com156 Second StreetSan Francisco, CAPhone (201) 966-4089brian@creditswarm.com

TEAM

Brian R. Decker, Esq.• Founder• http://www.linkedin.com/pub/brian-

decker/3/60/b52• https://github.com/BrianDecker

Jamil Bou Kheir• Developer• http://www.linkedin.com/pub/jamil-

bou-kheir/47/150/430• https://github.com/jamillion

Lindsey Coulter• Designer• http://www.linkedin.com/in/

lindseycoulter• http://categorydesign.net/

Roger L. Fidler, Esq.• General Counsel• http://www.linkedin.com/pub/roger-

fidler/5/756/b10• http://www.proteonomix.com/

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OUTSOURCINGExperian: PhilippinesEquifax: JamaicaTransunion: India

AUTOMATIONE-OCAR: credit report disputeMetro-2 : credit file updatesCollection Masters: debt collection

OPPORTUNITY

$9.8 billion 2011 revenue, credit repair industry, 4% growth, no leader

79% or >180 million Americans w/ errors in credit report

Annual disputes: 12.5 million in 2003 7.3 million in 2009

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FREE ACCOUNT

• CreditSwarm Online Form– unlimited disputes of negative items,

impermissible inquiries, and wrong personal information

– modeled on official form by Experian, Equifax, and Transunion

• Electronic Disputes– online delivery to all 3 credit bureaus– email confirmation as proof of delivery– electronic receipt of credit bureau

response– dispute tracker - credit bureaus must

respond within 30 days• Additional Support

– complimentary attorney consultation and representation

– online complaints to federal and state government agencies

– followup dispute based on new information or reasons

• Your data– unlimited storage of all disputes,

responses, notifications– full access control - print, download, share

your documents

PREMIUM ACCOUNT

• Import credit reports and credit scores– Real-time tracking changes to credit

score & report– Direct Disputes: dispute to data

furnisher (e.g. bank, credit card) as well as 3 credit bureaus simultaneously

• Intelligent computer-guided point-n-click disputes

– No typing: view credit report, click item to dispute, and select a reason

– Auto-suggest dispute. e.g. expired item – Mobile disputes in 1 minute or less

BUSINESS ACCOUNT

• 3rd party disputes – (send disputes on behalf of your clients)– E.g. credit repair, law firms, mortgage

brokers• Admin Controls

– organize multiple users & multiple clients

• Credit Swarm is a free web application that lets users dispute errors on their credit reports online to all major credit bureaus.

• Owned and provisionally patented by National Credit Dispute Adjudication Corporation.

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• Framework: Django • Language: Python • Database: PostgreSQL • Platform: Heroku • Webserver: Gunicorn • File Storage: Amazon S3 • App Monitoring: New Relic • Email Monitoring: Sendgrid

(opens/clickthrus)• Version Control: Github• CSS: Twitter Bootstrap (online form)

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