reporting of a government loan contains errors, CreditEdge can help dispute the reporting accuracy. However, the underlying debt requires direct contact with the servicer — SBA rehabilitation, repayment, or forbearance programs. The AI advisor can help you think through both tracks.' }, ] }, { id: 'business-credit', title: 'Business Credit', items: [ { q: 'Does CreditEdge support business credit?', a: 'Yes. All three business bureaus — D&B (PAYDEX), Experian Business (Intelliscore Plus), Equifax Business/SBFE (Business Credit Risk Score) — alongside the three consumer bureaus, from the same login and dashboard.' }, { q: 'How do I get started with business credit?', a: 'Three steps: (1) Add your business — enter company name, entity type, and address (30 seconds). (2) Get free reports — visit Nav.com, D&B, or Experian Business and download PDFs. (3) Upload the PDFs — AI parses the report, flags disputable items, and shows milestone progress.' }, { q: 'Do I need a DUNS number?', a: 'A DUNS number helps but is not required to start. Request one free at dnb.com or use CreditEdge\\'s DUNS lookup feature.' }, { q: 'How is business credit disputing different from consumer?', a: 'Business credit has no federal equivalent to the FCRA\\'s 30-day investigation requirement. Dispute targets include the bureau and the vendor. Letters cite commercial reporting standards, not consumer FCRA. For sole proprietors with personal guarantees, FCRA § 623(a)(8) may also apply.' }, { q: 'What is the 8-milestone tracker?', a: 'CreditEdge tracks your progress through eight milestones toward an SBA-loanable profile: DUNS active, first trade reference, 5+ references, PAYDEX 80+, PAYDEX 100, Intelliscore 76+, no public filings, SBSS 140+.' }, { q: 'Which vendors report to business credit bureaus?', a: 'CreditEdge recommends 10 net-30/60 vendors that report to D&B and Experian Business: Uline, Quill, Crown Office, Grainger, Home Depot Pro, Summa, Brex, Sam\\'s Club, Wise Business Plans, and Shirtsy. Most require no personal credit check.' }, ] }, { id: 'billing', title: 'Billing & Compliance', items: [ { q: 'What is the 3-business-day cancellation window?', a: 'Federal CROA law gives you 3 business days (weekends and federal holidays excluded) to cancel after signing. No work begins and nothing is charged during this window. If you cancel, there is no charge, no questions. After the window, you can cancel anytime from Billing & Plans.' }, { q: 'When is my card charged?', a: 'If a card is saved at signup, it is stored securely with Stripe but not charged. At the end of each monthly service period, CreditEdge bills for that period — services already performed, never in advance. If you cancel, your plan ends after the current period and you are billed once for that period.' }, { q: 'Does CROA apply to business credit?', a: 'CROA (15 U.S.C. § 1679a) is written for consumer credit, but sole proprietors and owners with personal guarantees blur that line. To be safe, CreditEdge applies the same protections to business credit work: a signed agreement, a 3-business-day cancellation window, and no charges before services are performed.' }, ] }, { id: 'privacy', title: 'Privacy & Data', items: [ { q: 'What happens to my SSN?', a: 'Your SSN is accepted only at the moment of a direct bureau pull. It is never stored in the CreditEdge database or written to any log. Once the pull completes, the SSN is discarded.' }, { q: 'How is my EIN stored?', a: 'Business EINs are encrypted at rest using AES-256-GCM encryption with a unique random nonce per value. The encrypted data is never logged.' }, { q: 'Who can see my credit report data?', a: 'Only you. Credit report PDFs and parsed data are stored in your account and are only accessible to you. Data is not sold, shared, or used for any purpose other than your credit analysis and dispute services.' }, { q: 'Does CreditEdge sell my data?', a: 'No. Your data is never sold or shared with third parties. It is used solely to provide the credit analysis, dispute, and letter generation services within your account.' }, ] } ], filteredSections() { if (!this.search.trim()) return this.sections; const q = this.search.toLowerCase(); return this.sections.map(s => ({ ...s, items: s.items.filter(i => i.q.toLowerCase().includes(q) || i.a.toLowerCase().includes(q)) })).filter(s => s.items.length > 0); }, itemId(sIdx, iIdx) { return sIdx * 100 + iIdx; } }">