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Each engagement is a sample of application files, a named reviewer, and a written report. Fees are quoted after scoping. Nothing on this page is a checkout.
A line-by-line reading of the credit application pack before it is submitted to the scoring engine, focused on financial evidence, completeness, and internal consistency.
Typically 5–12 working days after the sample is received
An audit of files that left the engine path — manual overrides, policy exceptions, and committee referrals — to test whether the written reason matches the financial evidence.
Typically 7–15 working days
A retrospective reading of applications that already received a score, to see whether the inputs the engine used were faithful to the underlying financial file.
Typically 10–20 working days
A concentrated audit of how income, existing commitments, and repayment capacity are evidenced in the application, including variable pay, self-employed accounts, and household support claims.
Typically 6–14 working days
A reading of SME and commercial application files for related parties, common directors, and group commitments that should have been visible before a score or a limit was assigned.
Typically 8–18 working days
A structured comparison of application files against the written product programme — eligibility, documentation, tenor, purpose, and stated exceptions — before or after scoring.
Typically 5–12 working days