Why We’re Different
Built around your file, priced up front.
Blueprint, not blanket
Every file is analyzed individually: your history, your reporting, your score goals. There is no template because no two files are carrying the same problem. Some need one account addressed. Some need a sequence of moves in a specific order, because the order is what makes the score respond.
Pre-litigation strategy
A pre-litigation strategy aimed at the weaknesses in a furnisher’s position. Inaccurate, incomplete, or unverifiable reporting is not something we ask nicely about; it is the exact place where the other side is exposed, and that is where we work.
The math of scoring
Decades of mortgage-side experience means we know exactly what a lender needs to see. That perspective is unusual in this industry, and it changes the target. We are not chasing a number that looks good on an app. We are building the file an underwriter will approve.
Priced up front, guaranteed in writing
You see the program price before you start, with no monthly meter running in the background. The 45-Day Program includes a 100% written money-back guarantee at the nine-month mark if you have not reached at least 640+ mortgage-ready status, subject to the written program terms.
Limited intake, on purpose
Every blueprint is built by hand, so we only take on a limited number of files at a time. If your file is not a fit, we will tell you that plainly instead of enrolling you anyway.