Credit Damages Expert Witness
We quantify how reporting, scoring, and lender decisions affect pricing, access, and long-term financial outcomes.
When credit reporting or scoring goes wrong, the question is not only whether harm occurred, but how much — and whether the conduct at issue caused it. We quantify credit-related damages with models grounded in how lenders actually score, price, and approve credit.
Questions we address
- ◆Did the alleged error change the consumer's credit score, and by how much?
- ◆Did it change a credit decision — an approval, a denial, a limit, or a rate?
- ◆What losses, if any, followed from that change, and over what period?
- ◆Is injury common across a proposed class, or does it depend on each consumer's file?
- ◆If a reporting practice was systemic, what did it cost the class as a whole?
How we work
- ◆Score simulation: we re-score the credit file with and without the disputed tradeline, using production-grade scorecards and reverse-engineered FICO and VantageScore models.
- ◆Pricing and access: we apply risk-based pricing and underwriting logic to estimate differences in the cost and availability of credit.
- ◆Causation: we separate the effect of the challenged conduct from everything else in the file — other derogatory items, inquiries, utilization, and timing.
- ◆Class-wide analysis: we apply the same re-scoring and pricing logic across the class files to measure how many consumers a systemic error actually harmed, and by how much.
- ◆Transparency: ranges, sensitivity analyses, and documented assumptions, so every step can be tested.
Damages and class certification
Statutory damages for willful violations do not require proof of actual damages, but standing does require concrete harm. Since TransUnion LLC v. Ramirez (2021), whether each class member suffered concrete harm has become central to FCRA class actions. Our analysis shows where injury is common and where it turns on the details of individual files.
Two economists who explain credit data to judges and juries.
How do you show whether a disputed item moved a credit score?
We re-score the consumer's file with and without the disputed item, using production-grade scorecards and reverse-engineered FICO and VantageScore models, then trace any score difference through to the lender's decision and pricing.
What does a credit damages expert do?
A credit damages expert measures the financial effect of a credit reporting or scoring error — changes in score, approval, credit limits, and interest rates — and tests whether the conduct at issue, rather than other factors in the file, caused those changes.
Why does TransUnion v. Ramirez matter for damages analysis?
Ramirez held that every class member seeking damages must have suffered a concrete harm. That makes the question of who was actually affected — and how — a core issue at class certification, and one that credit-file evidence can answer.
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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