Get Lender-Ready — Position Your File in Days, Not Months
Lender deadline in 30–45 days? Position your file in a targeted 14-day sprint. Whether you’re starting fresh or building on prior analysis, we execute against your lender timing so you don’t miss your window.
Secure checkout • Founder-led review
Limited to 2 active sprints at any time. UCO requires intense founder attention—we cap concurrent engagements to protect quality and your timeline.
48-Hour Start
Kickoff and deep audit initiated immediately
High-Touch Sprint
14 days of structured daily momentum
Lender-Aligned
Positioned against lender criteria
Trusted by founders, professionals, and families when timing matters.
Who This Is For
- You need a lender-ready profile now for an approval, refinance, or closing.
- You’re navigating a tight timeline or funding opportunity window.
- You’re ready to engage daily so we can push progress together.
- You want hands-on execution support—not just a strategy document.
Who This Is Not For
- If you’re seeking generic “credit repair” disputes or templates-only services.
- If you cannot engage daily during the 14-day sprint when decisions are time-sensitive.
- If you’re not ready to act on lender-aligned steps right away—we’ll adapt to a longer timeline and continue working with you, and we’ll be candid if a slower pace is better.
What You Get
- 14-Day Optimization Plan™ — Daily milestones and deliverables, client action items with specific deadlines, CMA touchpoint schedule, contingency planning for common obstacles, and success metrics with measurement approach
- Bureau/Creditor Letter Pack™ — 7-10 dispute letters tailored to your specific accounts, goodwill letter templates with proven language, pay-for-delete negotiation scripts, creditor phone scripts with talking points, bureau escalation letters if needed, all with mailing instructions and timing guidance
- Tactical Funding Roadmap™ — Target lender identification based on your profile and goals, optimal application timing and sequencing, hard inquiry mitigation strategy, explanation letter templates for your specific situation, and rate shopping window optimization
- Sprint Closeout Summary — Actions completed with documented outcomes, score impact analysis (before/after where applicable), next 30-day watch-outs and recommendations, next 60-day strategic moves, and long-term profile optimization guidance
- 2-3 Strategic Touchpoints — Kickoff call (day 1): strategy alignment and priority confirmation; Mid-sprint check-in (day 7): progress review and tactical adjustments; Final briefing (day 14): results review and next-step guidance; plus ad-hoc email support throughout sprint for questions and clarifications
- 30 Days Post-Sprint Support — Response analysis as bureaus and creditors reply, strategic guidance on next steps, clarification on any deliverables, and help interpreting results that arrive after the sprint window
What Happens After the Sprint
Your engagement includes 30 days of post-sprint support beginning when we deliver your closeout summary. During this period, we’ll:
- Analyze bureau and creditor responses as they arrive
- Provide strategic guidance on next steps based on their replies
- Answer questions about your deliverables and execution
- Help you interpret results and adjust timing if needed
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:
- Ongoing response analysis and next-step recommendations
- CFPB escalation support if bureaus fail to investigate properly
- Method of verification requests and reinvestigation demands
- Documentation preparation for attorney handoff if needed
Investment: $1,297 for 90 days or $447/month
Ready to move fast?
Start the sprint now
Begin the 14-day UCO sprint. We’ll handle analysis and execution together, aligned to your lender window.
Start UCO SprintPrefer analysis first?
Start with Clarity ($1,297) for a rapid diagnostic or Comprehensive ($1,997) for a full forensic roadmap—then add UCO when you’re ready to execute.
How It Works
- Reserve your spot. Complete intake (ID, records, lender goals). We confirm fit and align on the execution plan.
- 48-hour start. Conduct deep audit, finalize the plan, and send initial requests/scripts. For standalone engagements, we compress analysis into days 1–3.
- Daily push (Days 3–12). Track responses, manage utilization/mix/derogs, prepare letters & evidence, and stage the smartest lender-pull window.
- Closeout (Days 13–14). Handoff with dated action calendar and templates.
- Post-sprint support (Days 15–44). We help you interpret bureau responses, adjust strategy, and stay on track.
Do I need prior analysis before starting UCO?
No. UCO can be your starting point if timing is critical. We compress the analysis into the first few days of the sprint, then execute. If you’ve already done Clarity or Comprehensive, we skip straight to execution.
What exactly happens on Day 0–1 of the sprint?
Kickoff within 48 hours: confirm goals, authorizations, and plan acceptance; queue priority actions; align lender-pull timing. For standalone engagements, we also conduct accelerated forensic analysis.
What do I have to do during the 14 days (my “light lifts”)?
Approve steps quickly and complete 2–3 brief touchpoints (send prepared scripts/letters we provide, upload confirmations).
How do you manage lender-pull timing during the sprint?
We sequence actions against your lender’s clock, track confirmations, and advise the smartest pull window.
What do I receive during and after the sprint?
14-Day Optimization Plan™, Bureau/Creditor Letter Pack™ with 7-10 customized letters, Tactical Funding Roadmap™, Sprint Closeout Summary with next-30/60 watch-outs, 2-3 strategic touchpoints throughout the sprint, and 30 days of post-sprint support. All deliverables are yours to keep.
What am I paying for with UCO?
Intensive 14-day execution sprint including 7-10 customized dispute letters in your Bureau/Creditor Letter Pack™, comprehensive tactical roadmap, daily progress tracking with 2-3 founder-led touchpoints, complete closeout summary, and 30 days of post-sprint support. You’re paying for focused execution speed and professional documentation that positions your file for approval—no retainers, no subscriptions.
What happens after the 30-day support window?
Complex disputes typically take 90–180 days to fully resolve. If you need continued guidance, our Dispute Execution Support™ extension provides ongoing response analysis, escalation support, and documentation at $1,297 for 90 days or $447/month.
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. The sprint runs 14 calendar days, followed by 30 days of post-sprint support.
What outcomes should I realistically expect?
UCO delivers a 14-day execution sprint with 7-10 custom letters, complete closeout summary, and 30 days post-sprint support. 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 fee of $3,997 includes the 14-day sprint plus 30 days post-sprint support. No surprise upsells.
What happens after the engagement ends?
You keep all deliverables. We include next-30/60 recommendations and, if helpful, options for extended support through our Dispute Execution Support™ add-on.
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—you execute with templates. Shadow: hidden-data/ID issues. UCO: you need speed and hands-on execution support, whether standalone or following prior analysis.
Need results in days, not months?
Kick off a 14-day Urgent Credit Optimization sprint with 30 days of post-sprint support.
Fixed fee includes 30 days post-sprint support. Limited openings each month.