Credit Health Audit Plan

For people who want to understand exactly what is hurting their credit — and start fixing the worst of it — without paying for firepower they don't need yet.

Most credit repair starts with a template letter. Audit starts with a map: your Equifax, Experian and TransUnion reports pulled side by side, and every negative item annotated with the specific law that may make it disputable — an account re-aged past its true delinquency date, a collection that was never validated, a late payment the furnisher can't document.

You see the map, you see the plan, and each month one dispute round goes out against up to three items — the ones the audit says are weakest. Many clients graduate themselves to Repair once they see how much of the file is actually contestable.

What’s included — and why each piece matters