SERVICES · CREDIT AUDIT
Know Exactly What's Hurting Your Score
Our auditors read all three bureau reports line by line, cross-check every tradeline, and hand you a ranked fix list.
WHAT IT ENTAILS
Forensic Review Across All Three Bureaus
Bureaus disagree more often than you'd expect. We reconcile Experian, Equifax, and TransUnion side by side — balances, limits, dates, statuses — and flag everything that costs you points, from duplicate collections to misdated lates.
- Tri-bureau reconciliation of every account, inquiry, and public record.
- Error grading — dispute-ready, goodwill candidate, or rebuild priority.
- Utilization & timing map showing which paydowns move the score most.
- Written audit report you can act on with us — or on your own.
PROCESS
From Raw Reports to Ranked Action
- Secure pull. With your permission we gather all three reports plus your stated goals.
- Line-by-line reconciliation. Every tradeline checked for accuracy, duplication, and staleness.
- Scoring impact ranking. Fixes ordered by points-per-effort so quick wins come first.
- Walkthrough call. Your auditor explains the report and answers everything, in plain words.
FAQ
Audit Questions, Answered
Is an audit the same as credit repair?
No — the audit is diagnosis. Repair is treatment. Many clients start with the audit, then decide whether to dispute items themselves or hire us.
Will pulling my reports hurt my score?
No. Our review uses soft inquiries only, which never affect your score.
What do I receive at the end?
A written report with every finding, its evidence, the recommended fix, and the expected impact — plus a walkthrough call.