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Frequently Asked Questions
How long does credit defense 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 the CreditGuard AI trial free?
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. The platform provides statute-mapped dispute strategies and letters that you send yourself; it is an educational and advocacy tool, not a law firm. If you face litigation or need representation, consult a consumer-rights attorney.
How is this different from other credit defense companies?
Most credit defense companies use generic 'Section 609' letters that credit reporting agencies routinely disregard. We use AI to identify specific FCRA violations, Metro 2 format errors, and procedural defects particular to your credit report. We also teach strategic credit reporting agency freeze tactics that compel proper investigations.
What is Row Level Security (RLS)?
RLS ensures that 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 get business funding without a personal guarantee?
Some forms of funding, and in a specific order. Reporting net-30 vendor lines, some store and fleet cards, and charge cards that underwrite on the business bank balance can be obtained without a personal guarantee. Bank loans and lines of credit for a new business generally still require one until the company shows time in business, revenue in its own account, and a reporting business-credit file. Phase 3 guides you through the entity, foundation, and tradelines in that order, and the Underwriter Package shows precisely what each lender reviews. We do not promise dollar amounts.