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Frequently Asked Questions
How long does credit repair take?
Most consumers see results within 30-90 days. The FCRA mandates credit reporting agencies respond within 30 days of receiving a dispute. Our multi-phase campaigns systematically challenge inaccurate reporting until items are removed.
Is CreditGuard AI really free to try?
Yes. Your free trial includes 3 professional dispute letters, AI credit report analysis, access to our legal template library, and basic creditor intelligence. No credit card required to start.
Do I need an attorney to use this service?
No. Our platform provides attorney-grade legal strategies and dispute letters that you can send yourself. However, if you face litigation or need representation, we recommend consulting a consumer rights attorney.
How is this different from other credit repair companies?
Most credit repair companies use generic 'Section 609' letters that credit reporting agencies ignore. We use AI to identify specific FCRA violations, Metro 2 format errors, and procedural defects unique to YOUR credit report. Plus, we teach you strategic credit reporting agency freeze tactics that force proper investigations.
What is Row Level Security (RLS)?
RLS ensures only YOU can access your credit data. Even our developers cannot see your credit reports or dispute details. Your data is encrypted and isolated at the database level.
Can I really get $100K+ business funding?
Yes, but it requires properly establishing business credit separate from personal credit. Our Business Credit Pro tier walks you through entity formation, business tradeline building, and strategic vendor relationships that qualify you for institutional business lending without personal guarantees.