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Credit EngineOverview

Earna AI Credit Engine

Specialized credit intelligence API service providing AI-powered credit analysis, coaching, and improvement strategies for Canadian consumers.

Note: Credit Engine is part of the Earna AI monorepo and uses Turborepo for build orchestration. Commands can be run from the monorepo root using pnpm turbo --filter=credit-engine or directly from the credit-engine directory.

Overview

The Credit Engine is a dedicated microservice that delivers comprehensive credit intelligence through advanced AI analysis powered by Claude. It provides personalized credit coaching, automated document generation, and actionable improvement strategies tailored to the Canadian credit system.

Status

🚧 Development Status: Planned Feature (Not Yet Deployed)

Core Capabilities

Credit Intelligence

  • Multi-Bureau Analysis: Comprehensive analysis across Experian, Equifax, and TransUnion
  • Real-time Score Monitoring: Track credit score changes and trends
  • Factor Impact Analysis: Identify and quantify factors affecting credit scores
  • Predictive Modeling: Forecast score changes based on planned actions

AI-Powered Coaching

  • Claude Integration: Advanced conversational AI for personalized credit advice
  • Custom Improvement Plans: Step-by-step strategies tailored to individual situations
  • Goal-Based Planning: Realistic timelines for achieving credit objectives
  • Educational Content: Clear explanations of complex credit concepts

Financial Analysis

  • Bank Statement Processing: Automated transaction categorization and insights
  • Spending Pattern Analysis: Identify optimization opportunities
  • Utilization Management: Strategic credit card balance optimization
  • Payment Optimization: Timing recommendations for maximum score impact

Document Generation

  • Dispute Letters: Automated creation for bureau disputes
  • Goodwill Letters: Professional templates for creditor negotiations
  • Verification Requests: Formal bureau verification letters
  • Custom Templates: Situation-specific document generation

Technology Stack

ComponentTechnologyPurpose
FrameworkNext.js 15.4API-only service architecture
LanguageTypeScript 5.7Type-safe development
DatabasePostgreSQL + PrismaData persistence and ORM
AI ProviderAnthropic ClaudeCredit coaching and analysis
AuthenticationNextAuth.jsSecure API access
DeploymentVercelServerless deployment

Quick Start

# Clone repository
git clone https://github.com/identity-wael/earna-ai.git
cd earna-ai
 
# Install all dependencies (monorepo)
pnpm install
 
# Configure environment
cd credit-engine
cp .env.example .env.local
 
# Set up database
pnpm db:push
 
# Start development server (from root)
cd ..
pnpm turbo dev --filter=credit-engine
 
# Or from credit-engine directory
# cd credit-engine && pnpm dev

The API will be available at http://localhost:3004 

Key Features

Intelligent Credit Analysis

  • Pattern recognition in credit behaviors
  • Anomaly detection for potential issues
  • Trend analysis and forecasting
  • Comparative analysis against benchmarks

Personalized Strategies

  • Individual credit profile assessment
  • Custom action plans with priorities
  • Timeline-based improvement roadmaps
  • Progress tracking and adjustments

Compliance & Security

  • PCI DSS compliant data handling
  • End-to-end encryption for sensitive data
  • Audit logging for all operations
  • PIPEDA compliance for Canadian users

Integration Points

The Credit Engine seamlessly integrates with:

  • Earna Console: Primary user interface
  • Credit Bureaus: Direct API connections (planned)
  • Banking APIs: Plaid/Yodlee integration (planned)
  • Notification Services: Real-time alerts

Documentation Sections

Support & Resources

Last updated on
Getting Started