Homebuyers
620+ typically needed for FHA
Underwriters do not care why the item is there — only what the file says. We clean up what is wrong on it so your mortgage application is judged on the real picture.
CROA-compliant · No upfront fees · Cancel anytime
Your credit file,corrected.
Digion Advisory is a credit restoration firm for people who keep getting declined for reasons that are not accurate. We audit all three bureau reports and challenge the collections, charge-offs, hard inquiries and late payments that your file cannot actually support.
MDARDWSMJT
4.6
from 600+ clients across all 50 states
Live client file
Month 6 · after 4 dispute rounds
FICO Score 8520Poor+243from 520Client example · results vary
Experian
765
Equifax
759
TransUnion
763
SCROLL
We work directly with the reporting system
EXPERIANEQUIFAXTRANSUNIONFICO® SCORE 8VANTAGESCORE 3.0FCRACROA COMPLIANTMETRO 2® FORMATEXPERIANEQUIFAXTRANSUNIONFICO® SCORE 8VANTAGESCORE 3.0FCRACROA COMPLIANTMETRO 2® FORMAT
Services
What we challengeon your report.
Most people assume an item they genuinely owed is untouchable. It is not. The law tests whether the company reporting it can verify every field it put on your file — not whether the debt was real. That is a very different bar, and a great many furnishers cannot clear it.
01
Collections
Collection accounts are one of the most frequently mis-reported items on a credit file — wrong balances, missing validation, duplicate listings across agencies.
We pull all three reports, document every collection line item, and challenge the ones that are inaccurate, incomplete or unverifiable directly with the bureaus and the furnisher under the FCRA.
- Debt validation requests to the collector
- Duplicate and re-aged account challenges
- Balance and date-of-first-delinquency audits
02
Charge-Offs
A charge-off can sit on your report for seven years and quietly cost you every approval you apply for — often with reporting errors attached to it.
We verify the charge-off date, the reported balance, the payment history grid and the status codes. Where the furnisher cannot substantiate what it reported, we escalate until the file is corrected.
- Status and balance accuracy review
- Furnisher-level disputes and escalations
- Re-aging and double-reporting detection
03
Hard Inquiries
Hard inquiries you never authorised — or that were never converted into an account — can stack up and drag your score down for two full years.
We identify unauthorised and unrecognised pulls, prepare the documentation the bureaus require, and challenge each one on your behalf so your file only reflects credit you actually applied for.
- Unauthorised pull identification
- Permissible-purpose challenges
- Inquiry suppression follow-through
04
Late Payments
Payment history is roughly 35% of your score. A single inaccurately reported 30-day late can undo months of disciplined payments.
We reconstruct your true payment history from statements and records, then challenge any late marker the data does not support — including lates reported after a settlement or during forbearance.
- 30 / 60 / 90-day marker audits
- Forbearance and deferment misreporting
- Goodwill and furnisher correspondence
05
Public Records & Repos
Bankruptcies, judgments, tax liens and repossessions carry the heaviest weight on a file — and the strictest reporting standards.
Because these items are held to a higher verification bar, we audit them against the public record itself and challenge anything reported beyond what the source actually supports.
- Public-record verification against source
- Repossession and deficiency reporting review
- Obsolete item removal requests
06
Identity & Mixed Files
Mixed credit files and identity theft put someone else's debt on your name — and the bureaus will not fix it until someone pushes properly.
We separate merged files, file identity-theft blocks where applicable, and lock the corrections in so the same accounts do not reappear on the next refresh.
- Mixed-file separation
- FCRA §605B identity-theft blocks
- Fraud alert and freeze guidance
The part nobody explains
What if the item is actually accurate?
This is the question everyone asks before they hire anyone, so here is the honest answer — and it is better than you expect.
Accurate and verifiable are not the same word. The Fair Credit Reporting Act does not ask whether you once owed the money. It asks whether the company reporting it can prove, inside thirty days, that every field it put on your file is complete, current and correct — and that it was reported to the Metro 2 standard the bureaus themselves require.
Those are separate tests, and the furnisher has to pass all of them. In practice they often cannot. The date of first delinquency does not match across the three bureaus. The balance contradicts their own statements. The status code is wrong for the account type. The debt was sold twice and nobody kept the paperwork. Any one of those is grounds for deletion — on a debt you genuinely owed.
So when a collection or a charge-off is the one thing standing between you and a mortgage approval, it is worth putting through that process properly rather than waiting seven years for it to age off.
Across the files we have worked
8 in 10
accurate-but-flawed items came off once they were challenged on verifiability rather than on the debt itself. That is what we have seen — not a promise of what your file will do.
Who we help
Built for peoplewho keep hearing no.
A declined application is rarely about who you are today. It is about what a file says about you — and files are wrong more often than anyone admits.
Car & auto buyers
Inquiries affect scores for 24 months
Dealerships shop one application across a dozen lenders and leave a wall of hard inquiries behind. We challenge the pulls you never authorised.
Business owners
Most lenders pull personal first
Personal credit still gates most small business funding. We clean the personal file first, then map the path to a business credit profile that stands on its own.
Identity theft & mixed files
FCRA §605B blocks available
Someone else's debt should not be your problem. We separate merged files, file identity-theft blocks, and make the corrections stick past the next refresh.
The process
Four steps. Noguesswork, no theatre.
You will always know what was sent, what came back, and what it changed. It is pushed to you every week, without you ever having to ask for it.
Step One
Send us your report.
That is the whole ask. No fee, no card, no call you have to sit through first — just your three-bureau credit report. If you do not have one, we will point you at where to pull it free in about two minutes.
- Three-bureau report
- No fee, no card
- Two minutes of your time
01
Experian
14 negative items found
Equifax
11 negative items found
TransUnion
13 negative items found
Step Two
We send back your plan.
A written plan built on your actual file: every item we intend to challenge, the grounds we will challenge it on, and the route to a 750+ score and the approval you are after. Pricing is in the plan and it is specific to you, because no two files take the same work.
- Item-by-item plan
- Written, yours to keep
- Pricing built around your file
02
Your plan · item by item
Midland Funding · CollectionUnverifiable
Capital One · Charge-offInaccurate balance
Hard inquiry · Auto dealerUnauthorised
Student loan · 30-day lateForbearance error
Chase Card · CurrentAccurate — keep
Step Three
We go to work.
You approve the plan and we start that week. Rounds go to the bureaus and to the furnishers themselves, and we escalate the moment anyone rubber-stamps a verification. Most clients see their first deletions land in 22 to 27 days.
- Bureau + furnisher disputes
- Escalation on stock responses
- First results in 22–27 days
03
Dispute rounds · live tracking
Round 1· 32 items sent9 deleted
Round 2· 23 items sent7 deleted
Round 3· 16 items sent6 deleted
Round 4· 10 items sent5 deleted
Step Four
You watch it happen.
No third-party credit monitoring to subscribe to. We push your progress to you every week by email and SMS — what went out, what came back, what changed — and support is there whenever you need it.
- Weekly email + SMS updates
- No monitoring subscription
- 24/7 support
04+243 in 6 months
Your weekly update · score trend
763
Month 1Month 2Month 3Month 4Month 5Month 6
Results
Numbers we are willingto put in writing.
These are averages from our own client files, not projections. Your file is its own case — we will give you an honest read on it before you pay anything.
0+
Average point increase
across clients completing 6 months
0+
Items challenged
across all three bureaus
0%
Clients see movement
within the first two dispute rounds
0
States served
fully remote, fully documented
Anatomy of one file
Two late payments gone.
Zero collections. 752.
This is the client's own dashboard, not a mock-up. The account summary now reads zero accounts ever late and zero collections — on a file that came to us with both. Eight open accounts, utilisation at 17%, oldest line 37 years.
One client's file. Individual results vary, and nothing here is a promise of a specific outcome on yours.
Receipts
Not claims.Screenshots.
These are real client files and real messages, shared with permission. Names and photos are redacted — the numbers are untouched.
Every screenshot shows one individual's file. Results depend on what is actually on your report and are not a promise that you will see the same movement. Digion Advisory does not remove accurate, current and verifiable information from a credit report.
What it costs
No packages.A price built on your file.
We cannot put one number on a page honestly, because we have not read your report yet. What we can do is show you exactly how the number is worked out — and where it has landed for most people.
What the number depends on
- 01How many items are in playFour negative items and thirty are not the same job. The plan prices the actual work on your file, line by line, before you commit to anything.
- 02What kind of items they areA duplicate collection is a different fight to a public record, a repossession or a mixed file. Some clear in a single round. Some take several.
- 03How many bureaus are affectedAn item sitting on all three reports takes three challenges, not one — and most of them do sit on all three.
- 04What you need to get approved forA mortgage underwriter reads your file differently to a car lender. The target shapes which items we go after first, and how hard.
Most files land between
$1,000–$1,500
Paid as the work is performed — never before it.
Always included, whatever your number is
- Full three-bureau audit and written plan
- Rounds until the file is done, not a capped number
- Bureau and furnisher-level escalations
- Weekly progress updates by email and SMS
- 24/7 support, with no monitoring subscription to buy
Reading your report and building the plan costs you nothing. You see your price written into that plan before you agree to anything, and under the Credit Repair Organizations Act we cannot charge you before services are performed.
Partner programme
Keep 40% of everyclient you send us.
If you are a realtor, loan officer, car dealer, insurance agent or creator, you already meet people who get declined. Send them here and you keep 40% of the revenue on every file — on an average file of $1,000 to $1,500, tracked in your own dashboard and paid on the 1st.
01
Book a call
Fifteen minutes. Tell us who you serve. No fee, no minimum, no exclusivity.
02
Get your link
A tracked link and a marketing kit land in your inbox the same day.
03
Send clients
Everyone who comes through your link is attributed to you for life.
04
Get paid
40% of the revenue on every file, cleared on the 1st of the month.
Commission calculator
6
Your share of every file40%
You earn per month
$2,400 – $3,600
Over 12 months
$28,800 – $43,200
Illustrative only. The range assumes an average file of $1,000 to $1,500; what you actually earn depends on how many of your referrals go ahead and what their files need.
Why partners stay
- 40% of the file, not a flat feeYour cut scales with the work. On an average file of $1,000 to $1,500, that is real money per client.
- Lifetime attributionOnce someone comes in through your link, they are yours. No 30-day cookie window.
- A dashboard, not a spreadsheetEvery client you sent, where they are in the process, and what you have earned this month.
- They get a real serviceYour name is attached to this. We are not going to embarrass you with promises we cannot keep.
0%
Of every file you send
0st
Payout each month
0
Cost to join
What a partner gets
MOST POPULAR
40% revenue share
40%
of every file you send
Not a flat finder's fee. Your cut is a share of what the client actually pays, on an average file of $1,000 to $1,500.
- Paid on the full value of the file
- Same rate from your first client
- No tiers to climb, no volume gate
A live dashboard
Every client
tracked, start to finish
You see each person you sent, where they are in the process, and what you have earned this month.
- Every referral, attributed to you
- Stage-by-stage progress
- Revenue collected, month by month
Paid monthly
The 1st
bank transfer or PayPal
Commissions clear on the first of the month. Nothing to chase, nothing to invoice.
- No cost to join
- No minimum volume
- No exclusivity clause
Clients & partners
What people sayafter six months.
Four collections and two charge-offs that were not even mine. Digion documented every one of them and stayed on the bureaus for five months. I closed on my house in March.
MDMarcus D.Homeowner, Atlanta GA
+141 ptsI had eleven hard inquiries from one dealership shopping my application around. Nine of them came off. My rate on the refinance dropped by almost two points.
ARAlina R.Small business owner, Phoenix AZ
9 inquiries removedWhat I actually valued was the honesty. They told me straight which items were accurate and were not going anywhere, and focused on the ones that were wrong.
DWDerrick W.Logistics, Dallas TX
+96 ptsI send my declined mortgage clients to Digion and keep 40% of every file. Last quarter it covered my office rent twice over. The partner dashboard is genuinely good — I can see exactly where each client is.
SMSophia M.Loan officer & partner, Tampa FL
Partner since 2024Testimonials reflect individual experiences. They are not a guarantee that you will achieve the same result.
Free credit audit
Send your report.Get your plan back.
Tell us where your credit is now and what you are trying to get approved for. We read the file and send back a written plan — every item we would challenge, the grounds, and the route to a 750+ score. No fee to find out.
- Do not have your report yet? Send the form anyway — we will show you where to pull it free
- You get a written plan, yours to keep
- No card required, no charge before any work is performed