CRAD trust center
This page separates safeguards that are active today from outside approvals still required. CRAD does not claim a certification, bureau connection, or automatic filing channel that it has not earned.
CRAD needs no full Social Security number for uploaded-report analysis or letter generation. Consumers are instructed to redact full identifiers and keep no more than the last four digits when identification is needed.
Active nowCase ownership is enforced on the server. Initial raw reports are removed after packet creation; raw reply and progress-report files are processed without being retained.
Active nowAI findings remain review prompts. The consumer must verify the disputed fact, explanation, evidence, recipient, and final wording before sending or submitting anything.
Active nowCRAD does not promise to delete accurate current information or guarantee a score increase. Goodwill and settlement requests are separated from legal accuracy disputes.
Active nowExternal gates
Penetration testing, documented incident response, and a formal assurance roadmap.
Federal and state review of contracts, disclosures, cancellation, advertising, availability, and payment timing.
Bureau or reseller agreement, test environment, identity verification, permissible-purpose review, and production certification.
A supported submission agreement with receipts and audit records—not automated browser logins.
Permissioned email or text delivery, unsubscribe controls, and delivery-event auditing.
Documented fees, bureau reporting, suitability, complaints, cancellation, privacy, and compensation disclosures.