Comprehensive Credit Assessment
Position your file for complex financing scenarios. End-to-end forensic review uncovers root causes, sequences your next 12—24 months, and delivers lender-ready documentation.
Secure checkout • Founder-led review
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 + any adverse-action letters
- Join a 45-minute strategy briefing at readout
What we'll do
- Forensic model of utilization, age, mix, recent activity
- Map dispute suitability + risk-flag register aligned to underwriting
What you'll get
- Forensic report; Dispute Sequencing & Risk Flags
- Underwriting prep bundle + 45-min briefing (where appropriate)
What you'll know
- What to dispute, document, or leave alone
- The order, owners, and timeline lenders respect
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.
Who This Is For
- Complex profiles or upcoming capital-intensive purchases/larger financing (mortgages, vehicles/equipment, renovations, SBA/LOCs).
- Multiple negatives, fragmented history, or business vs. personal credit interactions.
- Recent denials without a clear reason; you need end-to-end analysis and precise sequencing.
What You'll Walk Away With
- Comprehensive Assessment Report™ (25-35 pages) — Everything from Credit Clarity Audit™ (executive summary, account analysis, utilization strategy, score dynamics) plus deep tri-merge forensic analysis, cross-bureau inconsistency identification and remediation strategy, and alternative data impact assessment (rent reporting, utility tradelines)
- Risk Flag Matrix™ — Visual analysis tool identifying underwriting blockers including denial trigger identification with severity scoring, remediation difficulty assessment, lender-specific red flags based on your target institutions, and prioritized remediation sequencing
- Dispute Strategy Workbook (10-15 pages) — 5-7 customized dispute letter templates specific to your accounts, creditor negotiation scripts and talking points, bureau escalation paths with executive contact information, detailed timeline and sequencing to minimize score volatility, and documentation requirements with record-keeping protocols
- Lender-Ready Documentation Package — Professional materials you can present to underwriters including credit profile summary with explanations for negative items, goodwill letter templates for creditors, explanation letter templates for loan applications, and supporting documentation recommendations
- 45-Minute Strategy Briefing — Comprehensive review session covering findings, dispute strategy, sequencing, and lender positioning
What Happens After Delivery
Your engagement includes 30 days of post-delivery support beginning when we deliver your final documents. During this period, we'll:
- Respond to questions and clarification requests regarding your deliverables
- Review initial dispute responses (up to two response cycles)
- Provide strategic guidance on next steps as bureaus and creditors respond
Need extended support through the full dispute lifecycle?
Complex disputes typically take 90—180 days to fully resolve. Our Dispute Execution Support™ extension provides continued guidance through the entire process:
- Response analysis within 48 hours of each bureau/creditor reply
- Prepared correspondence for reinvestigation demands and escalations
- CFPB complaint drafting and submission when strategically appropriate
- Attorney handoff documentation if litigation becomes necessary
Dispute Execution Support™: $1,297 for 90 days or $447/month
Typical total investment: Comprehensive + 90-day DES = $3,294 | Comprehensive + 6-month DES = $3,882
How It Works
- Secure intake. Full tri-merge + relevant statements/notices and artifacts.
- Forensic analysis. Every tradeline across core bureaus plus targeted shadow checks when warranted (Innovis, FactorTrust, ChexSystems, DataX).
- Strategy briefing (≈75 mins). Prioritized, actionable roadmap with owners, dates, and lender-aligned sequencing.
What extra data do you review beyond the tri-merge?
Statements, bureau artifacts, creditor correspondence, and specialty checks when warranted (e.g., split/mix signals, vendor files).
What exactly do I receive from Comprehensive?
A 30-40 page Comprehensive Assessment Report™, 10-15 page Dispute Strategy Workbook with 5-7 customized templates specific to your accounts, Risk Flag Matrix™, Lender-Ready Documentation Package, and a 45-minute Strategy Briefing covering findings, sequencing, and execution strategy.
How do you model utilization/age/mix sensitivity for my file?
We test scenario impacts and time actions to reduce re-pull risk and surprises.
Can you help implement the plan (how does UCO fit)?
Yes—UCO executes a pre-agreed plan after Comprehensive if you want speed.
What if the blocker is in non-public/specialty data?
We'll surface it and, if appropriate, hand off to Shadow to resolve specialty-data issues before execution.
What am I paying for with Comprehensive?
A 30-40 page forensic assessment, 10-15 page Dispute Strategy Workbook with 5-7 customized letter templates (not generic spam), Risk Flag Matrix™, and Lender-Ready Documentation Package. You're buying the end-to-end analysis, sequencing, and professional documentation needed to move underwriting decisions faster—not a subscription or dispute mill.
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 30 days of post-delivery support for questions, initial dispute response review, and strategic guidance. For extended support through the full 90—180 day dispute lifecycle, our Dispute Execution Support™ extension ($1,297/90 days or $447/month) provides continued response analysis, prepared correspondence, and escalation guidance.
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.
Ready for end-to-end clarity?
Start the Comprehensive Credit Assessment.