Strategic Credit Restoration For Your Financial Future
We turn credit denials into approvals. Based in Platte City, Scudder Strategic LLC provides the roadmap to your financial goals.
FREE CONSULTATIONForensic Credit Audit
We perform a line-by-line audit of your reports from Experian, Equifax, and TransUnion to identify every reporting error and scoring opportunity.
Law-Based Disputes
Leveraging the FCRA and FDCPA, we challenge inaccurate and obsolete information. Our strategic approach forces bureaus to follow federal law.
Mortgage Integration
The goal is a "Yes" from your lender. We stay in sync with your loan officer to ensure your credit profile meets the specific requirements for your home.
Our Service Areas
We proudly serve individuals, families, and professionals across the greater Kansas City Metro and surrounding communities within a 50-mile radius.
Northland & Local
- Platte City
- Kansas City, MO
- Liberty
- Parkville
- Gladstone
Missouri Metro
- Independence
- Lee's Summit
- Blue Springs
- St. Joseph
- Raytown
Kansas Metro
- Overland Park
- Olathe
- Shawnee
- Leavenworth
- Kansas City, KS
Surrounding
- Lawrence, KS
- Belton, MO
- Grandview, MO
- Excelsior Springs
- Smithville, MO
After struggling with my credit for years, Scudder Strategic successfully helped me remove a Chapter 13 bankruptcy from my report. I finally have the fresh start I needed.
— A Happy Customer, KC
Common Questions
Is there a guarantee of success?
No. Legally, no credit organization can guarantee a specific score increase or the removal of accurate information. Our process focuses on identifying and disputing errors and ensuring your profile meets federal compliance standards to maximize your mortgage readiness.
How long does the process take?
Every profile is unique, but the average timeline to become mortgage-ready is 4 to 6 months.
Do you charge upfront fees?
No. In compliance with the CROA and Missouri law, we only charge for work that has been completed.
Can I apply for a loan while in the program?
We coordinate directly with your Loan Officer to determine the best timing for your re-application to avoid unnecessary hard inquiries.
What documents do I need for the Audit?
You will need a recent copy of your tri-merge credit report. We recommend specific providers that offer the detailed data necessary for a forensic audit.
Will disputing items hurt my score?
Disputing itself does not lower your score. However, certain "dispute comments" must be removed before final mortgage underwriting, which we handle as part of our process.
How do you work with my Loan Officer?
We provide your lender with monthly progress updates so they know exactly when your mid-score hits the target required for your specific loan program.
Can I fix my own credit?
Yes, you have the legal right to dispute items yourself. Many clients hire us for our expertise in federal law and our ability to stay in sync with mortgage lending requirements.
What happens if a deleted item returns?
The Fair Credit Reporting Act (FCRA) requires bureaus to notify you before re-inserting an item. If this happens, we immediately challenge the validity of the re-insertion.
Do you help with student loans or tax liens?
We audit all aspects of your credit report, including public records and government-backed loans, to ensure everything is reporting with 100% accuracy.