How is Credit Armor different from Credit Repair Cloud?
Credit Repair Cloud is a CRM with templates. Credit Armor is a complete automation platform that analyzes all 3 credit reports and generates dispute letters in just 3 minutes with advanced violation detection. We have complete FCRA/FDCPA knowledge built-in for professional dispute letters. Their platform requires manual review - ours is fully automated, saving you hours of work per client.
How does the system find violations so fast?
Our automated system scans credit reports for inaccuracies and violations in about 60 seconds per bureau. It checks 100+ violation types: incorrect dates, wrong balances, duplicate accounts, accounts past 7-year limit, unverifiable information, identity mix-ups, and more. The system identifies specific errors and generates professional dispute letters that clearly explain what needs to be corrected. Complete analysis of all 3 bureaus takes just 3 minutes — what takes consumers 1-2 hours manually.
Do I need legal expertise to use this?
No! That's the whole point. The system knows FCRA/FDCPA law inside and out. It generates professional, compliant dispute letters automatically. Our smart assistant can answer any legal questions 24/7. You focus on client relationships and sales - we handle the complexity and analysis work.
What format credit reports does it accept?
We accept
PDF, PNG, or JPEG files from official sources only:
AnnualCreditReport.com or reports downloaded directly from Experian, Equifax, or TransUnion bureau websites.
Important: We do not accept reports from third-party credit monitoring services (Credit Karma, IdentityIQ, Privacy Guard, SmartCredit, etc.). Only official bureau reports ensure accurate analysis. Maximum file size: 10MB.
Is the 7-day trial really free?
Yes. No credit card required to start your trial. Test the full platform for 7 days. Analyze reports, generate letters, use the assistant, everything. If you love it (most do), subscribe after the trial. If not, no charges ever.
Can I switch from Credit Repair Cloud or Dispute Fox?
Absolutely! Many users switch from other platforms. We'll help you migrate client data. Most agencies report significant reductions in analysis time and finding more violations per report after switching to our automated system.
What if I have questions or need help?
Personal plan gets email support (response within 24 hours). Professional/Premium plans get priority support. Premium plans get a dedicated account manager and phone support. Plus, our smart assistant can answer FCRA/FDCPA questions instantly 24/7.
Are the dispute letters FCRA compliant?
Yes. Every letter is professionally formatted and meets all federal standards for credit reporting disputes under FCRA/FDCPA. Our letters clearly identify inaccurate information and request verification or removal based on consumer rights. They are written in plain language that credit bureaus understand and respond to effectively.
