The Forensic Audit
A comprehensive, law-based approach to credit restoration and mortgage readiness.
Compliance Discovery
We perform a line-by-line audit of all three major credit bureaus. We aren't just looking for "errors"; we are hunting for compliance violations under the FCRA, FDCPA, and HIPAA. If a creditor cannot prove the accuracy and lawfulness of an item, it must be removed.
- Line-by-line data point verification
- Audit of reporting timestamps and metadata
- Identification of unlawful collection practices
Strategic Dispute Management
Our crew executes a multi-staged dispute strategy. We don't use "template letters." We draft custom challenges that force bureaus to perform a meaningful reinvestigation. We manage the entire timeline so you don't have to.
- Custom drafted legal challenges
- Direct creditor interventions
- Metropolitan Data Exchange (Metro2) auditing
Mortgage Readiness
The end goal is the "Clear to Close." We work alongside your lender to ensure your score meets the required threshold and that your debt-to-income ratio is optimized for the best possible interest rate.
- Lender-specific score targeting
- Debt-to-Income (DTI) optimization
- Rapid Rescore coordination