@elizaos/plugin-credit-builder

ElizaOS plugin that gives AI agents the ability to autonomously build credit for users — personal credit repair, business credit building, automated dispute letters sent as real USPS Certified Mail.

Features

Action	What It Does
ANALYZE_CREDIT	Intake user's credit data, run full FICO audit, identify weaknesses, generate prioritized action plan with estimated score impacts
SEND_DISPUTE	Generate any of 19 dispute letter types and send as USPS Certified Mail with Return Receipt via Lob API
CHECK_DISPUTES	Track all pending disputes, 30-day response deadlines, and flag overdue items for escalation
BUILD_BUSINESS_CREDIT	Guide entrepreneurs from zero to $100K+ business credit — entity formation, DUNS, vendor trade lines, SBA loans
CREDIT_EDUCATION	Answer any credit question using FCRA/ECOA knowledge base

Quick Start

# In your ElizaOS project
elizaos create --type plugin plugin-credit-builder
# Copy src/ files into the plugin

Add to your character:

export const character: Character = {
  name: 'CreditAgent',
  plugins: [
    '@elizaos/plugin-sql',
    '@elizaos/plugin-openai',
    '@elizaos/plugin-bootstrap',
    './plugin-credit-builder'
  ],
};

Environment Variables

# Required for sending real dispute letters
LOB_API_KEY=live_xxxxxxxxxxxx  # Get from dashboard.lob.com

# Test mode (no real mail sent)
LOB_API_KEY=test_xxxxxxxxxxxx

19 Dispute Letter Types

#	Type	Legal Basis
1	Basic Bureau Dispute	FCRA § 1681i
2	609 Verification	FCRA § 609
3	611 Reinvestigation	FCRA § 611
4	Method of Verification	FCRA § 611(a)(6)
5	Identity Theft	FCRA § 605B
6	Debt Validation	FDCPA § 1692g
7	Cease and Desist	FDCPA § 1692c(c)
8	Pay-for-Delete	Negotiation
9	Goodwill Removal	Courtesy
10	Direct Creditor Dispute	FCRA § 1681s-2(b)
11	Charge-Off Removal	Negotiation
12	Unauthorized Inquiry	FCRA § 1681b
13	HIPAA Medical Debt	HIPAA + FDCPA
14	Statute of Limitations	State SOL laws
15	Intent to Sue	FCRA § 1681n
16	Arbitration Election	Federal Arbitration Act
17	Billing Error (FCBA)	FCBA § 1666
18	Breach of Contract	State contract law
19	Formal Demand	Contract law

Legal Framework

• FCRA (Fair Credit Reporting Act) — consumer credit rights
• FDCPA (Fair Debt Collection Practices Act) — collector regulations
• ECOA (Equal Credit Opportunity Act) — anti-discrimination, business credit
• FCBA (Fair Credit Billing Act) — billing disputes
• Regulation B (12 CFR 1002) — ECOA implementation

Cost

Certified mail with return receipt via Lob: ~$8-9 per letter. No subscription required.

License

MIT