Repair Inaccurate Marks. Build Strong Credit. Prepare For Capital.
Three specialized operational divisions - Credit Repair, Credit Building, and Funding Preparation. We investigate and challenge erroneous reporting across all three credit bureaus, engineer positive primary history, and position your profile for institutional personal and business funding.
Direct 1-on-1 Tri-Merge Audit via Secure Portal · Backed by Anthony Goodwin & The APAG Deal Desk.
Three Dedicated Service Departments.
We do not offer one-size-fits-all dispute letters. Your credit file is systematically addressed across three specialized operational departments designed to restore accuracy, build score depth, and prepare you for funding.
Credit Repair Department
Targeted, documentation-backed investigation of inaccurate, unverified, or unfairly reported negative marks across Equifax, Experian, and TransUnion.
- Charge-offs & Collections: Balance, dates, ownership & verification audits.
- Late Payments: 30-, 60-, 90-, 120-day reporting reconciliations.
- Inquiries & Derogatories: Repos, foreclosures & unverified pulls.
- Duplicate & Identity Errors: Erroneous balances, duplicates & identity theft.
Credit Building Department
Proactive credit engineering to strengthen score weight, deepen positive payment history, and lower revolving credit utilization.
- Utilization Reduction: Balance timing and statement date optimization.
- Payment Strategy: Engineered payment rhythms for uninterrupted on-time history.
- Account Aging & Depth: Preserving average age of credit and positive accounts.
- Builder Products & Secured Cards: Bureau-reporting positive tradeline integration.
Funding Preparation
Rigorous pre-underwriting audit once the profile improves, ensuring your file qualifies before you apply for commercial or personal capital.
- Debt-to-Income (DTI) Analysis: Calculating front-end and back-end ratios.
- Inquiry Velocity Control: Gating applications to prevent automated red flags.
- Derogatory Lookback Clearance: Auditing recent marks against lender criteria.
- Business Structure & Readiness: Entity standing, EIN, 411 & lender matching.
What We Audit & Challenge.
Every credit item has specific statutory reporting rules. Here is the complete breakdown of accounts and marks our Credit Repair Department scrutinizes and disputes when inaccuracies arise:
Accounts a creditor has written off as a loss. We thoroughly review the balance, reporting dates, account status, ownership, and payment history. If data is inaccurate or unverified, it is formally disputed.
Balance & Date Accuracy AuditMedical bills, utility balances, credit cards, phone accounts, and apartment debt assigned or sold to agencies. We verify legal ownership, balances, dates, duplicate reporting, and collector accuracy.
Chain of Title & Validation30-, 60-, 90-, or 120-day historical late marks. We audit whether the payment was legally late, whether dates match, and if the creditor’s reporting strictly aligns with your bank records.
Payment Timing & Ledger AuditCredit pulls from lenders. We investigate inquiries you state were unauthorized, eliminating unverified credit dings while protecting legitimate authorized transactions.
Permissible Purpose VerificationAuto loans with vehicle repossessions. We scrutinize the reported balance, notice dates, deficiency calculations, third-party collection activity, and statutory disclosure compliance.
Deficiency & Notice ScrutinyMortgage reporting, foreclosure dates, post-sale deficiency balances, and status accuracy. We verify whether the servicer followed strict legal reporting timelines.
Mortgage Reporting AccuracyPost-discharge reporting compliance. We audit all bankruptcy-related accounts to ensure balances and statuses were correctly updated to zero post-discharge, without false promises.
Post-Discharge ComplianceDelinquent payments, default flags, and servicer transfers. We review full payment records, rehabilitation updates, reported balances, and servicer compliance.
Rehabilitation & Servicer AuditAccounts displaying balances that conflict with bank statements, formal settlement receipts, paid receipts, or updated creditor ledger entries.
Ledger & Settlement ReconciliationThe same debt appearing multiple times - especially after assignment to collections. We investigate whether both entries are permissible or represent improper double reporting.
Double Reporting ResolutionAccounts improperly shown as open, reporting incorrect remaining balances, carrying wrong payment statuses, or showing erroneous closure dates.
Status & Closure VerificationAccounts, addresses, inquiries, or liabilities resulting from fraud. Handled through formal statutory identity-theft dispute protocols with proper supporting documentation.
Statutory Fraud ProtocolWrong addresses, misspelled names, incorrect employer listings, or mixed files. Cleaning identifiers eliminates confusion and makes the entire credit profile cleaner.
Demographic & File CleanupWe review whether an authorized-user tradeline is helping your scores or hurting you with high balance utilization, and facilitate prompt removal when detrimental.
Tradeline OptimizationWhere applicable, we review what is appearing on consumer reports, verifying strict legal reportability and data accuracy under current national reporting standards.
Legal Reportability AuditHow We Take You from Audit to Approval.
A transparent, three-step sequential process engineered to clean, build, and fund your financial future.
Tri-Merge Forensic Audit
We analyze your credit reports across Equifax, Experian, and TransUnion. We isolate every inaccurate balance, unverified late payment, and scoring bottleneck to build your tailored action plan.
Dispute & Build Simultaneously
Our Credit Repair Department submits customized statutory disputes while our Credit Building team implements utilization reduction, secured cards, and payment strategies to add positive credit weight.
Pre-Underwrite & Fund
Once your scores improve, our Funding Preparation Department audits your DTI, inquiries, and entity structure, matching you with tier-one lenders for high-limit personal or business capital.
Book Your Credit Audit & Funding Analysis
Select an available date and time on the calendar below to speak directly with Shantelle Wallace regarding your 3-bureau credit audit and custom funding roadmap.