How the monthly cycle works.

What we look at and what you get.

Step one
We review your current credit file.
Step two
We review the accounts, the payment history, and the reporting data against Metro 2 standards and the Fair Credit Reporting Act.
Step three
We deliver a review explaining what is on the file.

The audit happens every month.

We check the data furnishers have reported. We look at the letters you received from the bureaus.

We explain what the items mean. We do not guess. We look at the actual paperwork.

Once we deliver that explanation to you, the month's work is complete.

Then, and only then, we bill your card for that month.

You receive a detailed breakdown of your file for that month. We highlight any discrepancies or areas covered by federal law.

Step-by-step file review.