What a Credit Audit Covers

A credit audit is a deep, line-by-line review of your credit before you apply for anything. It answers a question most people only get to guess at: why am I being declined, and what exactly do I fix first?

What a Credit Audit Covers

A thorough audit goes well past the score at the top of the page:

• Every account, line by line. Balances, limits, payment history, dates of first delinquency, and status. Details here are frequently wrong, and wrong details are disputable.
• Inquiries. Hard inquiries stay on your report for up to two years. Unauthorized or inaccurate ones can be challenged.
• Public records. Judgments, liens, and bankruptcies, checked the same way a lender checks them.
• Personal information. Old addresses, name variations, and mismatched data. These do not affect your score directly, but they create verification problems in underwriting.
• Utilization and mix. How your balances compare to your limits, and which specific accounts are dragging the score down.

Why an Audit Comes Before Action

Applying without an audit is guesswork, and guesswork is expensive: every declined application leaves a hard inquiry behind. An audit tells you which items to address first, which are not worth touching, and whether you are already close enough to qualify. It turns a vague goal into a sequence.

The Business Version

Businesses need the same clarity, and the checklist is different. A Business Credit Analysis reviews your Dun & Bradstreet, Experian Business, and Equifax Business files, plus the lender compliance items that quietly cause declines: entity status, EIN, matching address and phone listings, licenses, business banking, and how many reporting tradelines you actually have.

That last part surprises people. A profitable company can be turned down simply because its phone number is not listed or its records do not match across sources. Those are fixable in days once you know about them.

What You Get From Us

Our analysis hands you a written picture of where your business stands today and a prioritized plan of action: what to fix, in what order, and what it unlocks. From there you either implement it yourself or we build it with you.

Related

• Business Credit Analysis
• Fundability: What Lenders Check Before They Approve Your Business
• Business Credit Services