Frequently Asked Questions

Credit Armor is an automated credit repair software that helps credit repair professionals and individuals dispute inaccurate items on credit reports. We provide automated dispute letter generation, certified mail delivery, client management, and compliance tools.

1. Create your account at signup.html
2. Choose a subscription plan (Basic, Professional, or Enterprise)
3. Upload your first credit report
4. Our system analyzes it and generates dispute letters automatically
5. Review and send letters via certified mail

Get free credit reports from all three bureaus at AnnualCreditReport.com. You're entitled to one free report per year from each bureau (Equifax, Experian, TransUnion).

We offer a 3-day money-back guarantee as required by CROA (Credit Repair Organizations Act). You can cancel within 3 business days for a full refund, no questions asked.

Credit Armor analyzes credit reports using our automated 18-point compliance checklist based on FCRA and FDCPA regulations. The system identifies:

• Accounts exceeding the 7-year reporting period
• Inaccurate account information
• Duplicate accounts
• Unauthorized inquiries
• FCRA violations by creditors

The system then generates legally compliant dispute letters automatically.

Credit Armor accepts:

• PDF files (.pdf)
• Images (.png, .jpg, .jpeg, .tiff)
• Text files (.txt, .html)

Our system can read all formats using advanced document processing technology.

We use Lob API to send your dispute letters via USPS Certified Mail. When you click "Send Mail":

1. Payment is processed ($6.99 per letter)
2. Letter is sent to the credit bureau via certified mail
3. You receive a USPS tracking number
4. Tracking number is saved to your client file

Certified mail provides legal proof of delivery - important for FCRA compliance.

Yes! While our system generates letters automatically, you can:

• Edit any letter before sending
• Add custom paragraphs
• Save custom templates
• Use your own letterhead (Enterprise plan)

Yes! Every letter you send via certified mail has its tracking information automatically saved:

• USPS tracking number
• Lob letter ID
• Date mailed
• Expected delivery date
• Payment transaction ID

All information is stored in your client's file for easy access.

• Basic: $97/month - Up to 10 disputes per month, automated analysis, email support
• Professional: $197/month - Unlimited disputes, priority support, client portal
• Enterprise: $497/month - Everything + white label, API access, dedicated support

Additional: Certified mail is $6.99 per letter (pass-through cost, no markup)

We accept:

• Credit/Debit Cards via Stripe (Visa, Mastercard, Amex, Discover)
• PayPal (for one-time charges like mail)

All payments are processed securely with PCI DSS Level 1 certified providers.

Yes! Cancel anytime with no penalty. You'll keep access until the end of your current billing period. No refunds for partial months.

Yes! Upgrade or downgrade anytime from your subscription management page. Changes take effect immediately:

• Upgrade: Prorated charge for the remainder of the billing period
• Downgrade: Credit applied to next billing cycle

No! Our pricing is completely transparent:

• Monthly subscription (one of three plans)
• $6.99 per certified mail letter (only when you send mail)
• No setup fees, no cancellation fees, no contracts

CROA (Credit Repair Organizations Act) is a federal law protecting consumers from deceptive credit repair practices. Credit Armor is fully compliant:

• ✅ We provide required consumer disclosures
• ✅ We offer a 3-day cancellation period
• ✅ We charge AFTER services are rendered
• ✅ We do NOT guarantee specific results
• ✅ We do NOT make false promises

Read our full Terms of Service

Yes! You have the legal right to dispute credit report errors yourself at no cost by contacting:

• Equifax: P.O. Box 740256, Atlanta, GA 30374
• Experian: P.O. Box 4500, Allen, TX 75013
• TransUnion: P.O. Box 2000, Chester, PA 19016

Why use Credit Armor? We save you time with automated analysis, dispute letter generation, certified mail tracking, and compliance management - especially valuable for credit repair businesses managing multiple clients.

Yes! Security is our top priority:

• 256-bit SSL encryption for all data transmission
• PCI DSS compliant payment processing (Stripe, PayPal)
• Row Level Security in Supabase database
• SOC 2 compliant infrastructure
• Regular security audits and penetration testing

We never store complete credit card numbers. See our Privacy Policy for details.

Absolutely not. We do not sell, rent, or trade your personal information or client data to anyone, ever. Your data is used solely to provide our services.

After cancellation:

• You can export all your data anytime before deletion
• Active data deleted within 6 months
• Backup data deleted within 3 months
• Financial records retained for 7 years (legal requirement)