A narrow practice, deep where it counts.
We concentrate on a small set of services where our experience is deepest and our value to your matter is highest. We are not a general-purpose economics shop — we focus on credit reporting, credit access, and the use of data in financial decisioning.
Credit Reporting Expert Witness
Disputes involving credit reports often turn on subtle, technical questions: what was reported, how, by whom, under what standards, and with what consequences. We bring deep, practical knowledge of bureau operations, furnisher practices, Metro 2 reporting, and fair credit reporting requirements to these matters.
When we're engaged
- ◆Alleged inaccuracies or incompleteness in consumer credit files.
- ◆Questions about “reasonable procedures” or “reasonable investigations” under the FCRA.
- ◆Systemic practices by credit bureaus or furnishers, including class actions.
- ◆Disputes over how disputes were handled.
- ◆Mixed files, identity confusion, obsolete data, and similar issues.
What we do
- ◆Review bureau and furnisher data, dispute records, and internal policies.
- ◆Analyze how information was coded and transmitted in Metro 2 or other formats.
- ◆Compare practices to industry standards, guidance, and legal requirements.
- ◆Explain to the court how reporting systems are designed and typically operate.
- ◆Prepare clear affirmative and rebuttal reports, and testify in deposition and at trial.
Credit Damages Expert Witness
When credit reporting or scoring goes wrong, the question is not just whether harm occurred but how much, and over what horizon. We quantify the financial impact of credit-related errors and practices using data, models, and a working understanding of how lenders actually price and approve credit.
Questions we address
- ◆How did an inaccurate report, score, or decision affect access to credit?
- ◆How did it change the price of credit — interest rates, fees, or limits?
- ◆What losses flowed from downstream denials or worsened terms?
- ◆Over what period is it reasonable to attribute elevated costs or constrained access to the conduct at issue?
Our approach
- ◆Reconstruct likely credit pathways with and without the challenged conduct.
- ◆Use market data and risk-based pricing logic to estimate differences in cost and access.
- ◆Calibrate models to known behavior and products in the relevant time and market.
- ◆Provide ranges and sensitivity analyses, and document every assumption so it can be tested.
Data Breach Damages
When a breach exposes personal or financial data, the question becomes how much harm followed and how to measure it. We have been retained to assess damages in data-breach matters, bringing the same empirical rigor we apply to credit reporting and scoring.
What we assess
- ◆The exposure of consumer and credit data, and the harm that flows from it.
- ◆The link between a breach and downstream financial impact on consumers.
- ◆Industry standards for data security, handling, and breach notification.
- ◆Class-wide and individual damages models.
Credit & Industry Policy Expert Witness
Some matters are less about a specific report or score and more about how the credit ecosystem operates: what is standard practice, what regulators expect, how new data or models should be used, and how policies affect inclusion and risk. We bring decades of work at that system level.
Areas we cover
- ◆Design and use of credit scores in underwriting and account management.
- ◆Adoption and governance of alternative data sources.
- ◆Credit bureau and data-provider business models and incentives.
- ◆The evolution of fair credit reporting and related regulation.
- ◆Financial-inclusion strategies and their real-world outcomes.
How we help
- ◆Establish what is typical and atypical in industry practice.
- ◆Show how policy and economic rationales translate into concrete systems.
- ◆Frame what is reasonable to expect of lenders, bureaus, or other actors in context.
Quantitative Research & Damages Modeling
Some matters require bespoke empirical work: exploring large datasets, running simulations, or building damages models grounded in how credit markets actually function. We bring the same rigor trusted by agencies and development institutions, and our models are transparent, replicable, and built to be examined — not just asserted.
Typical assignments
- ◆Estimating how many consumers would be affected by a proposed or alleged practice.
- ◆Modeling score or approval changes under different reporting regimes.
- ◆Analyzing patterns that may suggest disparate impact or redlining.
- ◆Building transparent damages models aligned with the legal theories at issue.
- ◆Assessing macro- or portfolio-level effects of rule or practice changes.
Strategic Consulting
Outside formal litigation, organizations seek our help designing products, policies, and strategies that rely on credit data. We offer confidential advisory work for institutions that want to innovate while staying aligned with best practices and regulatory expectations.
Bring us in early.
The most consequential credit matters turn on how scores and reports actually work. Tell us about yours.
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