Credit Guard
A private FCRA credit-defense practice
Stop asking.
Start demanding.
Private credit defense for founders and executives. We hold the consumer reporting agencies to the law, restore your file, and open the business credit and capital that follow — handled discreetly, end to end. Results, not excuses.
Free initial analysis. No card to start. CROA-compliant — no score-outcome guarantees.
Beyond the dispute
The full mandate — repair, rebuild, fund.
Most services stop at the dispute. We carry the mandate the full distance — from a defended credit file to the business credit and capital underwriters respect.
I
Credit File Defense
Find FCRA violations across all three CRAs. Dispute the verifiable inaccuracies. Escalate when CRAs stall.
II
Business Foundation
Build the legitimate entity — EIN, address, phone, bank — that underwriters can verify across systems.
III
Business Credit Build
Register DUNS. Add tier-correct vendor tradelines. Drive PAYDEX discipline.
IV
Funding & Deployment
Match the documented profile to lender products you can genuinely qualify for. Deploy capital without undoing the build.
The method
How the work is executed.
Not slogans — operations. Every capability ties to a documented procedure and a specific section of federal law.
Cross-CRA forensic analysis
Compares Equifax, Experian, TransUnion field by field. Surfaces objectively verifiable divergences.
Statute-mapped letter drafting
Each letter names the inaccuracy, the Metro 2 field, the statute and the single remedy demanded. Cited, specific, and never a form letter.
Eight defeat-tactics countered
Parroting, bare verified, truncation, document stripping, frivolous dismissal, ID stall, out-of-process, reinsertion — each met with a documented counter.
CFPB complaints pre-staged
Ready to file the moment a CRA stalls: non-response §611, MoV failure, Metro-2 XB-missing, medical-timing, and custom narratives.
Willfulness ledger
Every stall, parrot, ignored MoV, and out-of-process letter is logged as a §1681n predicate. The pattern is the case.
Business foundation auditor
Confirms EIN, business address (non-CMRA), listed business phone, bank account, and consistency across SoS, IRS, bank, D&B, and 411.
Tier-discipline tradeline builder
Net-30 vendors that report → store/retail → fleet/cash → bank lines. No skipped tiers, no fabricated EINs.
Honest lender matching
Matches your documented profile to products you have a realistic probability of being approved for. Surfaces gaps explicitly.
Your dedicated specialist
Meet Ava.
Ava is not a chatbot. She is your specialist — she knows your case, tells you plainly where you stand, and identifies the single next step. Always on your side.
“Your three files are in and reviewed. The strongest item to challenge is ready — I’ve prepared it. Open AI Analysis when you are.”
— Ava
Doctrine, not promises
We don’t ask. We document and demand.
Every letter, every escalation, every counter-move is engineered against a specific federal statute and the documented record. We don’t promise score points. We enforce procedure — and the procedure is the point.
FCRA §1681i(a)(1)(A)
30-day reinvestigation deadline. Once missed, the agency is out of compliance and deletion is the remedy demanded.
FCRA §1681i(a)(7)
Method-of-Verification disclosure. A bare ‘verified’ is itself a defect.
FCRA §1681s-2(b)
Furnisher investigation duty. Carries a private right of action (Johnson v. MBNA, 4th Cir. 2004).
FCRA §1681c(a)(4)
Obsolescence and re-aging. The DOFD clock cannot be reset by assignment.
FCRA §1681n
Willful noncompliance. Every stall builds the §1681n record.
FCRA §1681e(b)
Maximum-possible-accuracy standard. The same account cannot be accurate in two conflicting versions — the divergence is the evidence.
Hard guardrails
What we won’t do — by design.
The shortcuts other services take are the exits CRAs use to dismiss your case. Our refusals are your protection.
No CPNs
Credit privacy numbers are illegal SSN misrepresentation. We refuse to generate, suggest, or assist.
No fabricated fraud
Identity-theft claims only when there is documented fraud. We do not misrepresent facts to the FTC.
No frivolous flooding
‘Not mine’ boilerplate hands CRAs the §1681i(a)(3) escape. Every dispute is specific.
No score guarantees
CROA prohibits promising specific score outcomes. We do not pretend otherwise.
Begin the defense
Your credit file is a strategic asset. Treat it like one.
Free initial analysis. No card required to start. The first step takes under five minutes, and you can save and resume any step.
CROA-compliant. No score-outcome guarantees. Not a law firm.