SmartCreditCoach

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  Credit Score Simulator where the user can start with a certain credit score and see how each action can impact their score.

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  'Payment History' Action with 3 drop-down options provided that the user can select from.

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  User has selected the option 'Missed 1-2' so there has been a slight deduction on their credit score.

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  For the 'Length of Credit History' Action, the user has selected '5+ years' resulting in a slight increase of their credit score.

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  Our database

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Inspiration

We noticed that while credit can be a powerful financial tool, many people misunderstand how it actually works. Misconceptions and negative stigma often discourage individuals from using credit responsibly - or from using it at all. We wanted to change that. SmartCreditCoach was born from the idea that learning about credit shouldn’t be intimidating or inaccessible. By creating a simulated, interactive environment, we aimed to help users understand how everyday financial decisions impact their credit scores - and ultimately empower them to make smarter choices in the real world.

What it does

SmartCreditCoach helps users understand and improve their financial literacy through an interactive approach to credit education. The platform allows users to learn about credit scores, study key concepts, and take quizzes to test their knowledge. It also features a simulated credit score environment, where users can explore how different financial decisions -like taking loans or paying bills -affect their credit score in real time. By turning complex financial concepts into hands-on learning, SmartCreditCoach makes understanding credit simple, engaging, and practical.

How we built it

In these 25 hours we became well-versed, full-stack engineers, using frameworks such as React and Docker to bolster the standard HTML-CSS implementation. Our confidence in TypeScript, despite the race against the clock, proved to be effective in laying the foundation to scale our implementation in future.

Challenges we ran into

As developers, our interests lie, first and foremost, in technology. Our users, on the other hand, provide the unique challenge of translating this interest into applicable, financial literacy. To deliver this service, we combined industry standard, tried and true Web Development with intensive research into the realm of Credit and Banking; learning the solution to the problem by becoming financially literate ourselves.

Accomplishments that we're proud of

Through effective collaboration, as aforementioned, our skills as Full-Stack Engineers significantly developed while working on the project. We combined our prior knowledge of HTML and CSS with the processing power of unfamiliar technologies: React and Supabase, to platform an effective experience for beginners to experts alike.

What we learned

Resource management was the key element to our success. Allocating tasks based on our proficiencies and priorities led to each member being fully engaged in the learning process. Many of the frameworks we worked with were entirely new to most of the team, so more experienced members took charge in informing them, leading to effective learning on both sides.

What's next for SmartCreditCoach

We truly believe in the potential of a, post Hackathon, implementation of SmartCreditCoach. Combating misinformation, especially in the age of Social Media, is most effectively achieved by intentional fact checking and platforming of educated, rational information. Our software focuses on this goal, making the use of credit more palatable to end users.

Built With

• css
• html
• postgresql
• react
• supabase
• typescript