Turn Credit into Your Competitive Edge
Get expert strategies, self-paced tools, or both — built for founders, investors, and high-stakes borrowers who can't afford to guess.
Discreet • Founder-led • Outcome-focused
Not Sure Where to Start?
Take our 2-minute Credit Strategy Diagnostic to identify your optimal path. Used by 1,200+ founders, investors, and professionals to map their credit strategy.
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The Hidden Cost of Credit Delays
Who We Help
Credit challenges look different for every path. ClearMark Advisory provides tailored strategies that meet clients where they are — and elevate them to where they want to go.
Positioning your credit to secure the capital that fuels growth.
Aligning your personal credit profile with ambitious property goals.
Protecting and strengthening complex credit portfolios.
Optimizing credit to unlock opportunities, from mortgages to liquidity.
Choose Your Path
Pick the path that matches your pace — we'll meet you where you are.
Calls
Quick, focused consults to get you unstuck and moving.
Book a CallAdvisory
Deeper support when the stakes are high and outcomes matter.
Explore AdvisoryOn-Demand
Build credit knowledge with founder-grade courses and frameworks.
Browse Knowledge SeriesWhen the Stakes Are High, You Can't Afford to Wait
Our 14-day sprint helps founders, investors, and professionals resolve critical credit barriers so you can move forward with confidence — fast.
Speed That Matters
14 days from intake to actionable credit upgrade.
Deep Insight
We surface hidden errors, shadow files, and apply advanced tactics.
High-Stakes Focus
Built for funding rounds, closings, and urgent liquidity decisions.
Why ClearMark Advisory?
We're not a dispute mill. ClearMark Advisory applies consulting-grade rigor to one of the most overlooked levers of financial outcomes: your credit strategy.
Investigation-First
We uncover bureau and furnisher errors others miss — then act with precision.
Senior Attention
Founder-led guidance, low client load, and direct access when the stakes are highest.
Strategy + Execution
Architecture across utilization, mix, age, cadence — sequenced over the next 12—24 months.
Transparent + Compliant
FCRA-grounded, documentation-first, and built to withstand scrutiny.
What We Offer
Three ways to work with us — from quick clarity to deep advisory to on-demand tools. Choose what matches your pace, then go deeper on the dedicated pages.
Calls
Introductory Clarity Call
15 minutes to diagnose the issue and define your next best step. No fluff — actionable guidance.
Credit Optimization Session
60-minute deep-dive session to review your credit profile, identify strategic opportunities, and deliver a prioritized action plan with optional written summary — actual credit strategy, not a sales pitch.
Advisory
Credit Clarity Audit™
Three-bureau review with findings, prioritized actions, and a Funding Readiness Score™.
Comprehensive Credit Assessment™
Expanded analysis of alternative bureaus and risk flags with a documented mitigation plan.
Shadow File Deep Dive™
Uncovers hidden data sources that stall lending decisions; guidance on freezes and remediation.
On-Demand
Credit Knowledge Masterclass
Video-first training on score mechanics, utilization, and lender risk logic. Practical frameworks you can apply immediately. $129
Advanced Programs
Alt bureau deep-dives, cohort-based learning, and professional certification — coming soon.
Free Playbook
Join the waitlist for early access and get the Pre-Funding Credit Playbook delivered to your inbox.
How It Works
Intake — Investigation — Strategy — Execution. Clear milestones, documented actions, measurable movement.
1. Intake
We align on objectives and constraints. You provide context and reports; we set the timeline.
2. Investigation
We audit bureaus, furnishers, and shadow files to identify root causes and funding blockers.
3. Strategy
We design profile architecture and sequence the next 12—24 months for decisive outcomes.
4. Execution
We implement: targeted disputes, utilization optimization, and tactical sequencing—all documented.
Founder's Note
In veritate victoria — in truth, there is victory.
Credit affects real outcomes: homes, businesses, and the cost of capital. It deserves more than templates and guesswork. ClearMark Advisory exists to bring investigation-first rigor, transparent documentation, and strategy you can defend under scrutiny.
We don't chase hype. We chase results.
— Tom
Frequently Asked Questions
How fast can I expect movement?
Most clients see initial movement in 30—60 days. Urgent Credit Optimization is a 14-day sprint; deeper profile work spans 12—24 months with sequenced actions.
How do you price your work?
Fixed fees for scoped assessments and sprints; transparent proposals for hands-on execution. No per-dispute billing and no contingency fees.
What does ClearMark Advisory do — and not do?
We investigate, document, and execute credit strategy grounded in the FCRA. We're not a law firm and do not provide legal advice.
When is Urgent Credit Optimization the right fit?
When a closing, funding round, or underwriting decision is imminent and specific barriers need attention within 14 days.
How is this different from "credit repair" services?
ClearMark Advisory is strategic credit advisory, not credit repair. We diagnose what's actually blocking your funding, sequence the resolution, and prepare documentation that survives lender scrutiny. Credit repair mills send template letters and hope. We investigate first, then execute with precision.
What should I prepare before the engagement?
Recent bureau reports, lender feedback/declines, and your goals/timeline. We'll handle the forensic review and sequencing from there.
Do you work with anyone, or only select clients?
ClearMark Advisory is a boutique consultancy. We take on a limited number of clients at a time to ensure depth and rigor. If we're not the right fit, we'll tell you directly and point you toward better options.
Sources & References
1 ClearMark Advisory industry research analysis based on client engagement data and Federal Reserve studies on credit access timing, 2023-2024.
2 Venture capital timing studies and Federal Reserve data on opportunity cost multipliers in funding delays.