ClearCredit

AI-powered credit repair and dispute automation built with Next.js, Prisma, Stripe, and configurable LLM backends. ClearCredit now supports an admin-managed pricing catalog for one-time packages plus monthly/yearly subscriptions, and it can be shipped as a portable standalone bundle (.zip or .tar.gz).

Highlights

• Admin dashboard for clients, disputes, billing, and automation
• AI-generated FCRA dispute letters
• Stripe checkout, invoices, and customer portal integration
• Admin-editable pricing for:
  • one-time packages
  • monthly plans
  • yearly plans
  • plan names
  • prices
  • dispute credits
  • Stripe price IDs
  • sort order
  • active/inactive visibility
• Configurable LLM backends:
  • direct OpenAI-compatible
  • OpenRouter
  • local Mirrowel API key proxy
• Portable standalone packaging for handoff and offline deployment prep

Repository

• GitHub: https://github.com/innotelinc/clearcredit
• Issues: https://github.com/innotelinc/clearcredit/issues
• Releases: create a Git tag like v0.2.1 to trigger the portable release workflow

Requirements

• Node.js 20+
• npm
• SQLite by default (DATABASE_URL=file:./dev.db) or another Prisma-supported database

Local development

npm ci
cp .env.example .env
npx prisma generate
npx prisma db push
npm run build
npm test
npm run dev

Open http://localhost:3000.

Environment setup

Copy .env.example to .env and fill in real values.

Minimum production variables:

• DATABASE_URL
• NEXTAUTH_SECRET
• NEXTAUTH_URL
• PUBLIC_APP_URL
• STRIPE_SECRET_KEY
• STRIPE_WEBHOOK_SECRET

Optional integrations:

• RESEND_API_KEY
• FROM_EMAIL
• OPENAI_API_KEY
• proxy/OpenRouter-specific variables already used by this repo

Admin-managed pricing catalog

From Admin → Settings, you can now edit:

One-time packages

• plan name
• price
• dispute credits
• sort order
• active/inactive visibility
• Stripe price ID

Monthly and yearly subscriptions

• plan name
• price
• dispute credits
• sort order
• active/inactive visibility
• Stripe price ID

Those values are consumed by:

• homepage pricing cards
• signup flow
• client billing page
• Stripe checkout session creation
• Stripe webhook subscription credit reconciliation

Portable package creation

This repo supports Next.js standalone output.

Build a portable release bundle:

npx prisma generate
npx prisma db push
npm run package:portable

Artifacts are written to dist/:

• clearcredit-<version>-portable.tar.gz
• clearcredit-<version>-portable.zip
• clearcredit-<version>-SHA256SUMS.txt

The extracted bundle contains:

• standalone Next server output
• static assets
• public assets
• .env.example
• Prisma schema/seed files
• scripts/install-portable.sh
• scripts/run-portable.sh

Portable install

After extracting an artifact:

cd clearcredit-<version>
./scripts/install-portable.sh /opt/clearcredit
cd /opt/clearcredit
cp .env.example .env   # if needed
./scripts/run-portable.sh

Default runtime:

• host: 0.0.0.0
• port: 3000

Override with:

HOSTNAME=127.0.0.1 PORT=4000 ./scripts/run-portable.sh

Validation

Use the same checks as CI:

npx prisma generate
npx prisma db push
npm run lint
npm test
npx tsc --noEmit
npm run build

Versioning

This project now uses package-based semantic versioning from package.json.

Current version:

• 0.2.1

Recommended release flow:

1. Update code and docs
2. Update CHANGELOG.md
3. Bump package.json version
4. Commit
5. Tag release: git tag v0.2.1 && git push origin v0.2.1
6. GitHub Actions builds the portable archives and attaches them to the release

GitHub workflows and community files

This repository includes:

• CI validation workflow
• portable release workflow
• issue templates
• pull request template
• contributing guide
• security policy
• changelog

License

MIT — see LICENSE.