SmartCredit Report Automation & Normalization Script

IAutomate SmartCredit.com JSON Download & Horizontal Report (Replit or Lovable)

Goal
Build a single-file script that logs in to SmartCredit.com (email + password), fetches the authenticated JSON report at:
https://www.smartcredit.com/member/credit-report/3b/simple.htm?format=JSON,
then saves the raw JSON and produces CSV/Excel outputs where account data is shown side-by-side by bureau (Experian, Equifax, TransUnion).

Target environment

Must run in Replit or Lovable.dev (single-file automation).

Note: Lovable is fine; this is a scripted automation, not a React UI.

What to build

Login automation (handle CSRF tokens/required headers; no manual cookie pasting).

Fetch the JSON from the authenticated endpoint.

Save raw JSON locally.

Normalize accounts into a horizontal schema (one row per account; columns grouped by bureau for fields like balance/limit/status, etc.).

Export clean CSV and/or XLSX:

accounts (horizontal by bureau)

scores (one row, EXP/EQF/TUC columns)

(nice-to-have) inquiries, public_records similarly normalized

Fallback: If a simple POST login fails, the script should optionally support a headless login (Playwright) to grab session cookies, then request the JSON.

Tech preferences

Python preferred (requests, pandas; optional playwright for fallback).

Alternatively Node.js (fetch/axios + puppeteer/playwright + a CSV lib) is acceptable if still single-file and Replit/Lovable-friendly.

Deliverables

One single file that I can run as-is in Replit/Lovable.

Sample output files generated from a test run.

Minimal README (run command, required env vars like SMARTCREDIT_EMAIL, SMARTCREDIT_PASSWORD).

Acceptance criteria

Running the file with my creds logs in, downloads JSON, saves smartcredit_raw.json.

Produces smartcredit_accounts.csv with columns grouped by bureau (e.g., balance_Experian, balance_Equifax, balance_TransUnion, etc.).

Produces smartcredit_scores.csv (or XLSX) with three bureau columns on one row.

Graceful errors with clear messages (login failure, endpoint blocked, structure change).

Security/Compliance

No hardcoded credentials; use env vars.

For personal use; must respect SmartCredit ToS.

When applying, please include:

Your approach to CSRF/anti-bot handling.

Whether you’ll include a Playwright fallback.

A brief timeline and a fixed price.