A loan servicer extracted $637 in fees from a borrower's payments and created a phantom 60-day delinquency through its own payment application methodology. The downstream cost was far larger than the disputed balance.
Surgical Strike
I do not fix credit. I fix the thing that broke it.
For people who have been ignored, misled, or overcharged by companies that bet they could wait you out. You did not.
A founder-led forensic escalation capability for serious credit-file and institutional reporting disputes where process failure has created real financial harm.
Limited matters accepted. Direct review, no intake team.
You are here because something on your credit report is costing you real money. Not hypothetical future money. The mortgage rate you did not get. The deal that fell through. The approval that came back denied.
And you have already tried. You called the company. Runaround. You disputed with the bureau. Form letter back saying the information was verified. Maybe you hired a credit repair service that charged a monthly fee to send the same template disputes you could have sent yourself. Nothing moved.
You are not confused. You are not uneducated. You are done.
The system you are fighting was built for volume. Every form letter, every 30-day investigation that takes 30 seconds, every call center script that loops back to the same non-answer. It was not built for you.
I am.
I do not look at your score. I look at the data underneath it: transaction history, payment application methodology, reporting timeline, correspondence record, and the specific people responsible. Then I make the institution answer for the record with forensic evidence delivered to the person who has authority to fix it.
What this looks like
Small reporting failures can create outsized financial damage.
A lender reported a delinquency using a verifier who had not worked at the company in three years. Two bureaus confirmed the information as verified without catching the gap.
A small collection balance sat on a credit report during a refinance application even though the agency could not produce basic validation and had been told to stop collection activity.
The leverage is usually in the data that the high-volume process never bothered to understand.
Fit
Who this is for
Surgical Strike is not a broad credit-cleanup product. It is for a narrow matter with a concrete reporting problem, evidence trail, and meaningful consequence.
You have a specific tradeline creating a specific cost: a denied approval, rate differential, financing delay, or transaction that failed.
You already disputed it yourself or through a service. It did not work, or it worked and then reverted.
The cost of leaving the damage in place is materially higher than the cost of a serious forensic review.
You do not need hand-holding. You need the record reconstructed and escalated with precision.
Clarity
Let's be precise about the offer.
Credit repair
No template dispute letters, monthly subscription, or hope that something sticks.
A generic complaint
No long narrative sent into a support queue with no clear owner, remedy, or evidence path.
Forensic analysis
A reconstruction of what went wrong, who is responsible, what the evidence supports, and where leverage exists.
Senior escalation
A direct, documented case put in front of people with the authority and incentive to resolve it.
Process
How it works
Qualification
We talk. You explain what is on the report and what it is costing you. I tell you honestly whether I can help.
Forensic review
I analyze the underlying account data, reporting sequence, payment application, correspondence, and documentation gaps.
Escalation
Forensic evidence is delivered at the right level with a clear explanation of the issue, remedy, and cost of ignoring it.
Resolution path
The item is corrected, removed, or converted into a litigation-ready case file for consumer counsel to evaluate.
Investment
Serious matters only.
Engagements start at $10,000. That reflects the depth of forensic analysis, the seniority of the escalation targets, and the reality that the work is built around a specific outcome rather than monthly activity.
A fixed retainer covers the forensic review and initial escalation. Where appropriate, a larger portion of the engagement may be tied to the result.
Founder-led
Done waiting for someone to take this seriously?
Start with a direct note about the tradeline, what you have already tried, and what the issue is costing you.
Request Case Review