Eight files. Most services check three.
Your stalled buyers, working a plan in 72 hours.
You lose deals every month to files nobody has read line by line. Send the buyer here. They pay us directly, receive the full analysis and every letter drafted within 72 hours, and work the plan for 60 days. You never touch the paperwork and you never pay us anything.
Partner Block, $849. Five Three-File Analyses, prepaid, for the borrowers you had to send away: $170 each, one code per borrower, valid 12 months. They upload, enter the code, and get the read; you get a one-line note when it lands and never see the file. How the block works · Buy a block.
Why brokers refer
It costs you nothing
No contract, no fee, no revenue share to report. The buyer is the customer. You refer because a closed loan is worth more than a declined one.
It's fast enough to matter
A monthly credit repair subscription bills until the buyer cancels; in one survey of people who had paid for credit repair (October 2019), 41% stayed six months or longer. Here the whole read arrives in 72 hours, with the plan dated backward from the dates the buyer gives, so ask for your lock to be on it.
We review eight files, not three
The tri-merge is where you look. Innovis, LexisNexis, ChexSystems, Early Warning and NCTUE are where the identity mismatches and phantom collections live. See the eight.
The buyer stays in control
We prepare; the buyer signs and sends. Nothing goes to a bureau in our name, so your buyer's file never shows a third party acting on it.
The column
A direct dispute still puts a flag on your tri-merge
Your borrower saw a post and mailed the bank a demand for the original signed contract. The bureau never saw the letter. Your tri-merge will, because the furnisher has to report the account as disputed. What to ask, and what to withdraw.
The reseller bill is the one that touches your tri-merge
H.R. 8141 would put the bureaus' accuracy duty on the company that assembles your tri-merge. It has cleared committee, not the floor. If it passes, the wrong address that kills a lock becomes the reseller's problem too. What to do now: nothing, except read the report you already order.
What a dispute mill does to a tri-merge in ninety days
Day one, the negatives are gone and the buyer is thrilled. Day forty-five, the underwriter sees a wall of 'consumer disputes this account.' Day ninety, the deletions are back. The calendar of an automated dispute tool, and how to read it on a report.
The buyer who 'already did credit repair'
Twelve months with a monthly service and the file's worse. Here's how to spot a template-disputed file in thirty seconds, why the bureaus now treat it as frivolous, and what to do with it.
Request a referral link
You get a link that tracks which buyers came from your office and a one-page explainer you can hand to a buyer or attach to a pre-qual decline. We reply within one business day.
Coming later this year: a white-labeled version of the analysis engine licensed to your office at a flat monthly rate, so your team runs it under your own name. Ask to be on the list.
Referring a buyer to QualifyReady is a referral to an analysis and document-preparation service, not to a credit repair organization. Nothing about the referral obligates you or the buyer, and we make no representation to you or to the buyer about any outcome on their file.