Accepting engagements for January delivery

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.

Schedule Free Advisory Call Begin Engagement → $3,497

What You'll Do, What We'll Do, What You'll Get, What You'll Know

What you'll do

  • Complete secure intake & identity verification
  • Upload adverse-action or —couldn't verify identity" notices
  • Authorize targeted specialty-bureau requests
  • Join a 45—60-min deep-dive briefing

What we'll do

  • Identify which specialty CRAs hold adverse signals
  • Assemble proof; craft freeze/disclosure sequence and escalation docs
  • Target examples: public-records and identity/fraud screens (e.g., NCTUE, LexisNexis, ChexSystems) where appropriate.

What you'll get

  • Shadow File Profile™
  • Strategic Freeze Playbook™
  • Escalation letters/log templates
  • 45–60-min briefing

What you'll know

  • Which hidden datasets trip underwriting
  • The exact sequence to neutralize them (freeze, disclose, correct)

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

  • Founders or investors who have been denied or downgraded despite a strong tri-merge report.
  • Clients with mixed, split, or legacy reporting artifacts causing underwriting friction.
  • Anyone facing unexplained underwriting stalls or needing to proactively de-risk their identity profile before a major transaction.

What You'll Walk Away With

  • Shadow File Profile™ (35-45 pages) — LexisNexis Risk Solutions comprehensive report analysis, Early Warning Services and ChexSystems banking history review, GIACT fraud scoring and identity verification signals, cross-source correlation analysis identifying inconsistencies, comparison analysis of traditional credit bureaus vs. shadow file data, and denial trigger identification specific to your unexplained adverse decisions
  • Strategic Freeze Playbook™ (10-15 pages) — Security freeze procedures for each specialty bureau with detailed instructions and forms, fraud alert placement and management strategies, consumer disclosure request templates and submission procedures, optimal freeze/unfreeze timing relative to loan applications, and monitoring protocols to track shadow file changes
  • Escalation Documentation Package — Dispute letter templates customized for specialty bureaus, executive escalation contact information and procedures, FCRA violation documentation templates if applicable, and attorney referral guidance if legal action becomes necessary
  • Remediation Sequencing Plan — Priority actions with expected impact on lender decisions, timeline for disclosure requests/freezes/corrections, coordination strategy for when to address traditional credit vs. shadow files, and lender application timing recommendations
  • 45-60 Minute Deep-Dive Briefing — Comprehensive walkthrough of findings, interpretation, and execution strategy

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?

Shadow file remediation often requires 90—180 days of sustained effort as specialty bureaus respond. Our Dispute Execution Support™ extension provides continued guidance through the entire process:

  • Response analysis within 48 hours of each bureau 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: Shadow + 90-day DES = $4,794 | Shadow + 6-month DES = $5,382

How It Works

  1. Secure intake + authorization. Obtain targeted shadow/secondary-bureau files on your behalf.
  2. Correlation analysis. Cross-check hidden data sources to identify inconsistencies and risk flags.
  3. Briefing (≈60 mins). Remediation and freeze/disclosure sequence with escalation-ready documentation.

What is a "shadow file" in plain English?

Data about you that isn't visible on standard tri-merge reports—e.g., split/mixed files, ID flags, or specialty-bureau records that can stall underwriting.

How do freezes/disclosures fit in without causing lender friction?

We use targeted, time-boxed freezes/disclosures where appropriate and sequence them to avoid lender impacts.

Can you coordinate or obtain my specialty-bureau files?

Yes—where appropriate we help request and reconcile those files, then document corrective actions.

How long does remediation typically take?

Depends on the artifact and agency response times. We provide a phased plan and flag the earliest credible re-pull window.

What if I have split/mixed files or ID-theft markers?

We correlate signals across sources, then document and sequence corrective steps (and escalation paths, if needed).

What am I paying for with Shadow?

A 35-45 page Shadow File Profile™, 10-15 page Strategic Freeze Playbook™ with detailed procedures for each specialty bureau, Escalation Documentation Package with templates, Remediation Sequencing Plan with timing recommendations, and a 45-60 minute Deep-Dive Briefing. You're buying forensic analysis of hidden data systems—LexisNexis, Early Warning, GIACT—that standard credit repair services never touch.

Which Assessment Is Right for Me?

Clarity
Comprehensive
Shadow
UCO

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 to clear hidden blockers?

Start the Shadow File Deep Dive.

Schedule Free Advisory Call Begin Engagement → $3,497
Prefer a focused strategy session first? Credit Optimization Call – $497
Schedule Free Advisory Call Begin Engagement → $3,497