Hello Floyd an welcome to the OLF. I assume we are looking at just a finish repair, no cracks or loose braces?
First you have to know what kind of finish it is. Do the Frank Ford acetone test to find out if you don't know what the finish is or can't get that information from the builder.
http://www.frets.com/FRETSPages/Luthier/Technique/Finish/AcetoneFinishTest/acetonetest.html If it's nitro you are in luck. It can be drop filled and the repair will not be very noticeable.
http://www.frets.com/FRETSPages/Luthier/Technique/Finish/Lacquer/DropFill/dropfill.htmlIf it's a newer polyester or catalyzed finish repair will be harder. They can be drop filled with CA using a similar scraping technique but the repair will be more visible. With any drop filling you have to wait until the fill has shrunk as much as is reasonably possible otherwise your repair will become more noticeable with age. That's usually a few weeks.
Either of these two kinds of finishes can be repaired with Frank's methods without removing the bridge or pick guard but the repair won't be perfect.
The only way to make sure you won't see a repaired scratch that has gone to bare wood is to refinish the whole top. That's hard with the bridge on if you don't have much experience with finishing. If you do have finishing experience and equipment, it's not too bad. The pick guard will come off with a hair dryer and a little patience. Heat it until you can get one corner to come up. Then continue heating and peeling the pick guard up until it comes off. The glue residue can be removed with naptha and some elbow grease. Once you get the pick guard off you won't be able to use it again. A nitro finish can be removed with solvent but the newer finishes are best removed with sandpaper. Start with 100 grit and once you have bare wood work your way through the grits to 220. Then you have to finish it, level the finish and buff it.
As you can see this gets difficult and there's nothing to keep a future scratch from marring the surface again. Then you are back to square one. Most players accept the occasional scratch or ding as part of the guitar's musical journey. The drop fill repairs will make the scratch a lot less noticeable and aren't too hard to do. Then the future scratches will have a friend. If you really want to redo the whole top, then get a beater from a yard sale or pawn shop and practice.
Hope this helps.