CreditGuardAI

CreditGuardAI is an advanced, AI-powered financial assistant designed to empower users with deep insights into their credit health and loan fairness. By leveraging the power of Google's Gemini models, it provides detailed comparisons, fairness checks, and personalized financial advice.

🚀 Features

• Financial Profile Wizard: An intuitive step-by-step interface to collect and structure your financial data.
• AI-Powered Credit Analysis: In-depth analysis of credit factors using LLM agents to verify logic and fairness.
• Loan Fairness Engine: Analyzes loan offers against market standards to detect predatory terms.
• Market Comparison: Compares your offers with standard market rates to ensure you get the best deal.
• Interactive Dashboards: Visualizations using Chart.js to track score improvements and financial health.
• Accessibility Friendly: Includes Text-to-Speech (TTS) capabilities for accessible reports.

🛠 Technology Stack

Frontend

• Framework: Next.js 16 (App Router)
• Language: TypeScript
• Styling: Tailwind CSS v4
• Components: React 19, Lucide React
• Visualization: Chart.js, React-Chartjs-2

Backend

• Framework: FastAPI (Python)
• Server: Uvicorn
• AI Model: Google Gemini (google-genai)
• Utilities: fpdf2 (PDF Reporting), edge-tts (Text-to-Speech), pypdf

📋 Prerequisites

Before running the project, ensure you have the following installed:

• Node.js (v18 or higher)
• Python (v3.9 or higher)
• npm or yarn
• A Google Gemini API Key

🏁 Getting Started

1. Clone the repository

   git clone <repository-url>
   cd cred-guard-ai

2. Backend Setup Navigate to the backend directory and install dependencies:

   cd backend
   pip install -r ../requirements.txt

   Note: It is recommended to use a virtual environment.

   python -m venv venv
   source venv/bin/activate  # On Windows: venv\Scripts\activate
   pip install -r ../requirements.txt

3. Frontend Setup Install the Node.js dependencies:

   # From the root directory
   npm install

4. Environment Configuration

   • Create a .env file in the backend/ directory or set the environment variable directly.
   • Variable required: GEMINI_API_KEY

🏃‍♂️ Running Locally

To run the full application, you need to start both the backend and frontend servers.

1. Start the Backend

cd backend
uvicorn main:app --reload --port 8000

The API will be available at http://localhost:8000.

2. Start the Frontend

Open a new terminal window:

npm run dev

The application will be available at http://localhost:3000.

📂 Project Structure

cred-guard-ai/
├── app/                  # Next.js App Router pages
├── backend/              # FastAPI backend application
│   ├── agents/           # AI Agent logic (Loan Analyzer, etc.)
│   └── main.py           # API Entry point
├── components/           # React UI components
├── public/               # Static assets
└── requirements.txt      # Python dependencies