I don't fix credit.
I fix the thing that broke it.
For people who've been ignored, misled, and overcharged by companies that bet you'd eventually give up. You didn't.
You're here because something is on your credit report that's costing you real money. Not hypothetical future money. The mortgage rate you didn't get. The deal that fell through. The approval that came back denied.
And you've already tried. You called the company. Runaround. You disputed with the bureau. Form letter back saying the information was "verified." Maybe you hired a credit repair service. They charged you $99 a month to send the same template disputes you could have sent yourself. Nothing moved.
You're not confused. You're not uneducated. You're pissed.
And you should be. Because the system you're fighting was designed to make you give up. Every form letter, every 30-day "investigation" that takes 30 seconds, every call center script that loops back to the same non-answer. It's built for volume. It's not built for you.
I am.
I don't look at your score. I look at the data underneath it. The transaction history. The payment application methodology. The reporting timeline. The specific people responsible. And then I make them answer for it - not with template letters, but with forensic evidence delivered to the person who has the authority to fix it, and a very clear explanation of what happens if they don't.
This is a one-person practice. When you call, you talk to me. When I take your case, I work it personally. There's no intake team, no junior associate, no handoff.
What this actually looks like
A loan servicer extracted $637 in fees from a borrower's payments and created a phantom 60-day delinquency through its own payment application methodology. The borrower's score dropped 80 points. The downstream cost: a denied business credit line, a mortgage rate increase worth $47,000 over the life of the loan, and a missed investment opportunity. The underlying dispute was over a $2,000 balance.
A lender reported a delinquency using a verifier who hadn't worked at the company in three years. Two bureaus confirmed the information as "verified" without catching it. The borrower lost access to a $250,000 SBA loan at a critical growth stage. The original debt had been resolved years earlier.
A $78 toll balance was sent to collections without proper validation. The collection agency couldn't produce basic documentation but continued collection activity after being told to stop. The tradeline sat on the borrower's credit report during a refinance application, costing them favorable terms on a $400,000 mortgage.
These are real situations. The methodology I built to address them is what I'm offering you.
Who this is for
You have a specific tradeline that's costing you a specific amount of money. A denied mortgage. A rate differential. A deal that died.
You've already tried disputing it yourself or through a service. It didn't work, or it worked and then reverted.
You can invest in a real solution because the alternative - living with the damage for seven years - is more expensive.
You don't need hand-holding. You need someone who knows what they're doing.
Let's be clear
Credit repair. I don't send template dispute letters and hope something sticks.
A subscription. No monthly fees. No six-month program. No recurring charges while nothing happens.
Forensic analysis of what went wrong, who's responsible, and exactly how much pressure it takes to make them fix it.
Performance-based. If I don't deliver results, you don't pay the success fee. Full stop.
How it works
Qualification
We talk. You tell me what's on your report and what it's costing you. I tell you honestly whether I can help. If I can't, I'll tell you that too. No charge for the conversation.
Forensic review
I pull your reports, analyze the underlying account data, and build the case. This is where I find the thing the credit repair companies missed - because they never looked past the surface. The leverage is always in the data.
Escalation
I put forensic evidence in front of the people who have authority to fix the problem - not a PO box, not a call center, not a customer service queue. The right documentation, at the right level, with enough precision that ignoring it becomes more expensive than resolving it. Most companies have never received correspondence like mine. That's why it works.
Resolution
The tradeline gets corrected, removed, or I hand you a litigation-ready case file that any consumer attorney will take on contingency. Most matters resolve in 60-90 days. Some faster.
Investment
That reflects the depth of forensic analysis, the seniority of the escalation targets, and the performance-based structure where a significant portion of the fee is tied to the outcome.
If that number gives you pause, this probably isn't the right fit - and that's okay. My other services may be a better starting point.
Retainer
A fixed retainer covers the forensic review and initial escalation. This is real work, not a processing fee. You'll see exactly what I find and exactly what I'm sending before it goes out. Due at engagement.
Success fee
The larger portion is tied to the outcome. If the tradeline isn't corrected or removed, you don't pay it. I carry that risk because I don't take cases I don't believe in.
What I need from you
A signed limited power of attorney. Your credit reports and any documentation you have. And then patience while I work. This isn't fast-food credit repair. It's methodical, documented, and designed to stick.
Every company that's ever reported inaccurate information on a consumer's credit file is making the same bet: that you'll eventually give up. They've run the numbers. Most people do. I exist for the ones who don't.
Done waiting for someone to take this seriously?
No sales pitch. No intake form. A direct conversation about what's on your report, what it's costing you, and whether I can make it go away.
Schedule a ConversationIf your situation is time-sensitive - a pending mortgage, a closing date, a refinance window - mention it when you book. I'll prioritize the conversation.
Tom Dougherty, Founder
Former Accenture Managing Director | 22 years in regulated industries
ClearMark Advisory | (888) 873-5779