Credit Audit

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A credit audit detects the problems and issues that are dragging your credit score down. We perform a deep analysis of your credit report and identify all inaccurate and negative information. The credit audit is how we come up with a customized strategy to improve your credit profile. Prior to enrolling in our program, a credit analyst will deliver a written copy of this credit audit in your client portal and provide you with a consultation of your Credit Audit which includes all three credit bureaus and scores. Your credit analyst will go over how each item is affecting you and steps you can take outside of our services to maximize your scores and report. We also include a very informative credit education section to explain your report and how your scores are created.
  • Audit Information
  • General Description – This section gives your credit score for each credit bureau
  • Personal Information – This section alerts you of any incorrect, misspelled personal information including AKA’s
  • Credit Inquiry Section – This section tells how many inquiries are reported on each credit bureau
  • Accounts Reporting - This table will give a quick reference of the items on the report, which bureaus they are reporting on, and the general item status or condition.
  • Item Descriptions - This list is to allow you to have a full understanding of how each item on your report is affecting you and our recommendations on each.
  • Education—Gain valuable credit knowledge to own your credit journey from A to Z.

Credit Audit Fee

(DELETION FEES ARE AN ADDITIONAL COST)

$497 + Deletion Fees

Deletion & Repair Fees

Personal Information              $10                  Foreclosure                  $50

  Inquiry                                        $15                  Repossession               $50

    Collection                                  $50                  Child Support                $100

    Charge-Off                                 $50                  Tax Lien                         $100

    Original Creditor                        $50                  Bankruptcy                   $100

  • Wise Credit Consultants will ONLY challenge items as allowed by law.
  • A ‘removal or deletion’ is defined as an item, tradeline, personal information, or inquiry that is removed or deleted from any of the client’s three credit files for ANY reason during our service. ● A
  • repair’ is defined as any ‘formerly negative’ tradeline or any of the client’s credit files that, during our service, become a ‘positive’ tradeline. This could include but is not limited to the removal of ‘late notations’ or ‘status change.