Evidence
that holds.
Court-grade output at every paid tier. No coaching. No guesses. Documented forensic analysis. Pick the level of certification — and the level of hands — your case requires.
- →Detect reporting inconsistencies across all three bureaus
- →Identify unresolved disputes and FCRA window violations
- →Generate structured evidence you can actually use
The full forensic anomaly map of your credit file. Timeline. Statute citations. Court-grade PDF. The audit your last dispute should have started with.
- →47 detection vectors across all three bureaus
- →Court-admissible PDF, SHA-256 sealed
- →Statutory damages map (FCRA · FDCPA · Loi 25 · LPRPDE)
- →QR verification on every page
- →Cross-bureau consistency check
- →Delivered within 24 hours
Not sure if you have a case? A 30-second pattern scan tells you whether the full Forensic Analysis will surface anything. No card. Email-only.
- →4-question intake (dispute history, bureau, timeline)
- →Auto-tier scoring (RED / YELLOW / WHITE)
- →Snapshot result by email
- →Upsell to Forensic only if signals warrant it
Forensic Analysis plus a complete dispute round in a binder. Letters generated. Exhibits organized. Triple Lock SHA-3 seal. Drop it on a desk and watch it land.
- →Everything in Forensic Credit Analysis
- →Round 1 dispute letters generated (per bureau, per furnisher)
- →Organized exhibit binder, Bates-style numbering
- →Triple Lock SHA-3 cryptographic seal (FRE 902 self-authenticating)
- →Cross-jurisdictional flag (US-FCRA + CA-LPRPDE / Loi 25 angles)
- →Willful violation analysis (Safeco v. Burr framework)
Full automated multi-round workflow. Round 1, Round 2 if "verified," Round 3 escalation. Re-investigation tracking. Faster than a paralegal. Zero human touch by Credit Truth — by design.
- ◆Everything in Evidence Pack
- ◆Round 2 letters auto-generated if bureau returns "verified"
- ◆Round 3 escalation letters (CFPB complaint draft + state AG draft)
- ◆Re-investigation tracking dashboard
- ◆Metro 2 compliance violation flags
- ◆Self-serve. Fully automated. No analyst review on this tier.
Self-serve / fully automated. For human review, see Hands-On below.
A Credit Truth forensic analyst takes the wheel on your file. Reviews your data. Validates findings. Tracks bureau responses. Escalates when bureaus stonewall. The first tier where a human at Credit Truth touches your case.
- ◆Everything in Guided Dispute
- ◆Personal file review by a Credit Truth forensic analyst
- ◆Findings validation and refinement before letters go out
- ◆Active tracking of bureau responses (you forward, we read)
- ◆Strategic escalation when bureaus stall — when to stop, push, pivot
- ◆Direct response line during the case window
- ◆Forensic expertise — not legal advice (see disclaimer below)
A complete, attorney-grade evidence file. Built to be dropped on counsel's desk and filed. Triple Lock sealed. Cross-jurisdictional. Statute-mapped. Expert-witness affidavit included.
- ◆Everything in Hands-On Case Manager
- ◆Litigation-grade exhibit book, fully indexed and Bates-numbered
- ◆Cross-jurisdictional letter pack (US federal · CA federal · QC + ON)
- ◆Signed forensic integrity manifest (chain of custody documented)
- ◆Expert-witness affidavit on the forensic methodology used
- ◆Direct handoff to your attorney (or referral if you don't have one)
- ◆Court-admissible across FCRA, FDCPA, RICO predicates, C.c.Q., Loi 25
For law firms preparing class-actions, compliance teams stress-testing their reporting, and fintech underwriting stacks. White-label, API, dedicated SLA, batch processing.
- ◆White-label deployment (your brand, your domain)
- ◆API access (REST + webhooks, OAuth 2.0 + mTLS + SHA-3 signing)
- ◆Batch ingestion 5 000+ files
- ◆Class-action cluster builder (FRCP Rule 23 readiness checklist)
- ◆Dedicated SLA + dedicated engineering pod
- ◆Volume pricing on Forensic / Evidence / Guided tiers
Quick map of who does what at each tier.
| Tier | Who reviews | Delivery | Best for |
|---|---|---|---|
| Free Pattern Scan | Engine triage | 30 seconds | Knowing if you have a case |
| Forensic Credit Analysis | Engine only | Within 24h | Diagnosing what went wrong |
| Evidence Pack | Engine only | Within 48h | Filing your own dispute the right way |
| Guided Dispute | Engine only (multi-round) | 60-day window | A complete dispute campaign without us touching your file |
| Hands-On | Credit Truth analyst | 7-14 days | Complex files, multiple bureaus, multiple furnishers |
| Files Ready | Credit Truth analyst + QC | 14-21 days | Litigation. Period. |
| B2B | Custom | On contract | Volume, white-label, class-action prep |
Forensic credit experts. Not a law firm.
- —Credit Truth is operated by GIROUX SOVEREIGN Inc. We are forensic credit data experts and document-assembly engineers. We are NOT a law firm and we do NOT practice law.
- —No content, report, letter, or consultation produced by Credit Truth constitutes legal advice under the rules of the Quebec Bar, Law Society of Ontario, ABA, or any other licensing body. For legal opinion specific to your situation, consult a licensed attorney in your jurisdiction.
- —No outcome guaranteed. We deliver the technical output: structured forensic analysis, statute-mapped citations, generated letters, organized exhibits, and cryptographic seals. The final result — bureau decisions, dispute outcomes, court rulings, score movements — depends on factors outside our control, including the discretionary judgment of credit bureaus, furnishers, courts, and counsel.
- —You retain full ownership and decision authority over your file. We document. You decide.
Founder access
12 seats · private pre-launch · never reopens
Before Credit Truth opens publicly to enterprises, twelve organizations enter at locked prices with direct line to the founder, roadmap influence, and in two cases — equity exposure. This page will not exist in 18 months.
The window closes once.
Once the twelve seats are taken, the tiering disappears entirely. Future partners will pay enterprise rates, onboard through sales, and never own what these founders will own: a permanent public signal that they stood at the table when the infrastructure was built — and a defensible position when Credit Truth's data feeds the next-generation credit infrastructure.
The threshold seat. Lifetime platform, white-label on your domain, founder line — permanent.
- ◆Lifetime access to all plans, all reports, all jurisdictions
- ◆White-label — your logo, your colors, your domain (Credit Truth footer retained)
- ◆Permanent direct line to the founder
- ◆Roadmap input — your needs steer product direction
- ◆Founder badge on every report you issue (permanent market signal)
- ◆10% revenue-share on clients you refer
- ◆Full NDA and confidentiality
Everything above, plus vertical exclusivity. You lock out competitors in your sector for the life of Credit Truth.
- ◆Everything in Founding Partner
- ◆Vertical exclusivity — lock one sector (auto loans, student debt, mortgage, etc.)
- ◆Formal advisory seat with weight on product direction
- ◆20% revenue-share on referrals (double Tier I)
- ◆Custom API + dedicated SLA + dedicated engineering pod
- ◆Co-marketing — joint press releases, public mentions
- ◆Priority technical resolution (founder-level escalation)
The two seats at the table. Warrants or convertible note exposure, board observer rights, six months of API exclusivity.
- ◆Everything in Lead Founding Partner
- ◆Equity component — warrants or convertible note on a defined allocation
- ◆Board observer rights
- ◆6 months API exclusivity before public release
- ◆Joint-venture potential on vertical-specific builds
- ◆Publicly named Strategic Founding Partner across all corporate materials
- ◆Revenue participation on ecosystem deals across GIROUX SOVEREIGN initiatives
All founder tiers are under NDA. A confidential deal memo is sent on application review. Seats close when filled — not on a deadline.