Everything You Need to Master Your Credit
From credit pull to lender approval — every step automated and AI-enhanced.
Credit Analysis
AI reads your full tri-bureau report and breaks down every tradeline, inquiry, and derogatory mark into plain-English insights you can act on.
Decision Engine
Matches your credit profile against real lender criteria to predict approval odds and recommend the best products before you apply.
Document Management
Secure vault for pay stubs, tax returns, and ID verification. Auto-organized by client and file type, ready for lender submission.
Lender Matching
AI scans partner lender requirements and surfaces only the offers you actually qualify for — no wasted applications, no surprises.
Credit Repair Guidance
Automated dispute letter generation, score-improvement action plans, and progress tracking that keeps clients on the fastest path to approval.
Compliance Built In
SOC 2 compliant infrastructure with 256-bit encryption, full audit trails, and FCRA-ready workflows baked into every credit pull.
How It Works
From credit pull to lender-ready in four steps.
Pull Report
Soft pull from all three bureaus in under 5 seconds — zero impact on your score.
AI Analysis
Credit Analyst breaks down every factor affecting your score into actionable insights.
Action Plan
Get a personalized roadmap — disputes to file, accounts to pay, and timelines to follow.
Apply Ready
Submit prequalified applications to matched lenders with one click.
Trusted by Professionals
See what clients and brokers are saying about Memelli Credit.
“The AI analysis found 3 errors on my report I never would have caught. My score jumped 68 points in 45 days.”
Marcus T.
Credit Repair Client
“I replaced my entire credit review workflow with Memelli. What took me 2 hours per client now takes 5 minutes.”
Jennifer L.
Mortgage Broker
“The lender matching alone saved us from dozens of wasted applications. Approval rates are up 35% since we switched.”
Anthony W.
Auto Dealership Finance