Credit Clarity Audit
Know exactly what's blocking approvals and how to fix it. Forensic 3-bureau analysis delivers your roadmap in 48—72 hours — not weeks of trial and error.
Secure checkout • Founder-led review
Limited monthly capacity — secure your audit today.
If we recommend Comprehensive or UCO within 7 days, your $1,297 applies as a credit. Most clients completing Clarity + UCO together save $25K+ on prevented delays vs. 18-month waits from credit repair mills.
Limited to 8 active engagements monthly. Current queue times vary by complexity — your advisory call includes exact timeline confirmation.
Trusted by founders, professionals, and families when timing matters.
What You'll Do, What We'll Do, What You'll Get, What You'll Know
What you'll do
- Secure intake
- Upload latest tri-merge report
- 30-min readout
What we'll do
- Forensic read of core tri-merge (Experian, TransUnion, Equifax); if signals suggest specialty data matters, we'll flag next steps.
- Underwriting-aligned analysis
What you'll get
- Credit Audit Report™
- Funding Readiness Score™
- Top-5 leverage actions
What you'll know
- 1—3 items actually stalling approvals
- The order to fix them + timeline
Founder-Led Analysis
Direct review by a former Accenture Managing Director.
FCRA-Grounded Methods
Evidence-based analysis aligned with underwriting dynamics.
Transparent Outcomes
Clear actions and documentation — no subscriptions, no fluff.
When Clarity Is Right
Choose Clarity if you:
- Need direction fast (48—72 hours)
- Have a single financing deadline in 90+ days
- Want to validate if issues are fixable before deeper investment
- Need ammunition for a specific denial or adverse action
Choose Comprehensive if you:
- Face complex scenarios ($250K+ financing, multiple denials)
- Need 12—24 month sequencing across multiple lenders
- Require dispute templates and documentation packages
- Stakes justify deeper forensic modeling ($50K+ at risk)
Who This Is For
- Entrepreneurs preparing for near-term financing
- Individuals with one or two known friction points
- Anyone wanting a fast, reliable confidence check
What You'll Walk Away With
- Credit Audit Report™ (15-20 pages) — Executive summary with key findings and funding readiness assessment, account-by-account breakdown with remediation priority rankings, payment history visualization and trend analysis, utilization optimization strategy with score impact modeling, inquiry pattern analysis with timing recommendations, FICO score dynamics explanation with factor weighting, and negative item assessment with dispute suitability analysis
- Funding Readiness Score™ — Our proprietary assessment of your current lendability position with specific improvement pathway
- Priority Action Plan (3-5 pages) — Top-5 high-impact actions with expected score impact, timeline and sequencing for optimal results, quick wins vs. long-term strategic moves, and resource recommendations
- 45-Minute Strategic Roadmap Call — Live briefing to review findings, answer questions, and refine your action plan
How It Works
- Day 0 — Secure intake. Upload your latest tri-merge and any denial/adverse-action letters.
- Day 1—2 — Forensic review. Mix, utilization, inquiries, and negatives (across core tri-merge when relevant) with underwriter-aligned analysis.
- Day 2—3 — Readout (45 mins). Funding Readiness view + prioritized action map (impact — effort — timing).
Which reports do you actually review?
Your latest tri-merge plus any statements/notices you provide. If a signal suggests a specialty file matters, we'll flag it and recommend next steps.
What exactly do I get at the readout?
A 45-minute live readout and a written recap that includes your Funding Readiness view and a prioritized action map (impact — effort — timing).
What happens if my case is more complex?
We'll call it out at readout and recommend Comprehensive if complexity or stakes warrant it. Your Clarity insight rolls forward.
Can I roll Clarity into deeper work (Comprehensive or UCO)?
Yes. Clarity's roadmap becomes the foundation for Comprehensive or a UCO sprint. We credit appropriately when upgrading within the window.
What if I'm up against a deadline?
We'll highlight critical-path items, sequence for speed, and advise whether UCO is the right next step to meet a lender timeline.
What am I paying for with Clarity?
A founder-led audit, prioritized findings, and a lender-aligned action plan you can execute immediately. You're buying analysis, documentation, and sequencing—not generic disputes. If deeper work is warranted, we'll credit this fee within 7 days.
Decision-ready audit in 72 hours from complete intake.
Which Assessment Is Right for Me?
Primary use case
Quick diagnostic; 1—2 friction points; near-term confidence check
Complex files; end-to-end dispute suitability and sequencing
Clean public file but hidden denial causes in specialty data
14-day sprint to execute a known plan pre-application
Turnaround
48—72 hours
≈5—10 business days (scope-dependent)
≈7—14 business days (records dependent)
14 days (calendar)
Briefing
30-minute roadmap
45-minute strategy
45—60 minute deep-dive
2—3 touchpoints
Deliverables
Credit Audit Report™ (15-20 pages); Funding Readiness Score™; Priority Action Plan (3-5 pages); 45-min Strategic Roadmap Call
Comprehensive Assessment Report™ (25-35 pages); Risk Flag Matrix™; Dispute Strategy Workbook (10-15 pages) with 5-7 custom templates; Lender-Ready Documentation Package; 45-min Strategy Briefing
Shadow File Profile™ (35-45 pages); Strategic Freeze Playbook™ (10-15 pages); Escalation Documentation Package; Remediation Sequencing Plan; 45-60 min Deep-Dive Briefing
14-Day Optimization Plan™; Bureau/Creditor Letter Pack™ (7-10 custom letters); Tactical Funding Roadmap™; Sprint Closeout Summary; 2-3 Strategic Touchpoints
Dispute guidance
High-level do / do not
Detailed suitability and sequencing
Targeted corrections / disclosures
Execute agreed actions
Specialty credit agencies
Baseline only when relevant
Targeted review when relevant
Core scope
Targeted review when relevant
Post-delivery support
14 days
30 days
30 days
Sprint includes
Extended support available
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DES extension available
DES extension available
Case-by-case
Price
$1,297
$1,997
$3,497
$3,997
Upgrade credit
$1,297 credit to Comprehensive (within 14 days)
Credit may apply to Shadow (case-by-case)
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Frequently Asked Questions
Is this credit repair?
ClearMark Advisory is strategic credit advisory, not credit repair. We diagnose what's actually blocking your funding, sequence the resolution, and prepare documentation that survives lender scrutiny. Credit repair mills send template letters and hope for the best. We investigate first, then execute with precision—FCRA-grounded, analysis-led, and aligned to your timeline.
Who actually does the work and how are you qualified?
Your case is founder-led with hands-on forensic credit analysis across complex profiles. We use lender-aligned methods, run targeted specialty checks when appropriate, and produce audit-ready documentation.
Will this hurt my score or trigger hard pulls?
No. We don't initiate hard pulls. We sequence actions to minimize score volatility and advise on the smartest lender-pull window for your situation.
What access/authorizations do you need from me?
Typically: latest tri-merge reports, identity verification, limited authorizations, and relevant statements/notices. We confirm specifics at kickoff per offer.
Do you contact bureaus/creditors on my behalf?
We prepare scripts, letters, and packets, and guide exact steps. Where appropriate we submit targeted checks; we do not impersonate you.
How fast can we start and how long does it take?
Kickoff usually starts within 48 hours. Duration varies by offer: Clarity (days), Comprehensive/Shadow (≈1—3 weeks depending on complexity), UCO (14-day execution sprint).
What outcomes should I realistically expect?
Clarity: 15-20 page Credit Audit Report™, Funding Readiness Score™, and Priority Action Plan with top-5 actions. Comprehensive: 30-40 page forensic assessment, Dispute Strategy Workbook with 5-7 custom templates, and Lender-Ready Documentation Package. Shadow: 35-45 page Shadow File Profile™ and 10-15 page Strategic Freeze Playbook™. UCO: 14-Day execution sprint with 7-10 custom letters and complete closeout summary. We don't guarantee deletions or approvals—we deliver professional documentation and strategic guidance.
How do you handle my data and privacy?
Secure intake, least-privilege access, and encrypted deliverables. We never sell or share your data.
What are the fees and what's included?
Fixed fees per offer; the scope and deliverables are listed on each page. No surprise upsells.
What happens after the engagement ends?
You keep all deliverables and receive 14 days of light-touch support for questions about your findings. Clarity is designed as a diagnostic—if you need ongoing dispute support, upgrading to Comprehensive or Shadow includes 30 days of post-delivery support plus optional Dispute Execution Support™ extension for the full 90—180 day dispute lifecycle.
Do you offer guarantees or refunds?
We do not guarantee specific deletions or approvals. Refunds follow our posted policy. We set expectations up front and document outcomes.
When should I choose Clarity, Comprehensive, Shadow, or UCO?
Clarity: rapid diagnostic and direction. Comprehensive: higher stakes/complexity (deep modeling & sequencing). Shadow: hidden-data/ID issues. UCO: tight timing with a pre-agreed plan ready to execute.
Cut weeks of uncertainty—get a clear plan now
Start your Credit Clarity Audit today.