Formula-driven · Published methodology · Never for sale

They've been scoring you your whole life. Score them back.

The Covenant Score grades any company from the official record — complaint trend and relief rate measured against the whole market, response timeliness, recalls, court context — one published formula, machine-computed, cited on every line, versioned, and never adjusted for money.

A
United Services Automobile Association
Covenant Score: 98/100
Federal complaint trend vs market (CFPB)+3
3,212 complaints last 12mo, +29.8% vs prior year; all CFPB complaints moved +45.3% in the same window → -15.5 points vs the market
Source: CFPB Consumer Complaint Database
Relief rate vs market (CFPB)-5
19.0% of closed complaints ended with relief; market 31.6% → -12.6 points vs the market
Source: CFPB Consumer Complaint Database — company_response
Missed 15-day response window (CFPB)0
0.0% of complaints answered late; market 0.41%
Source: CFPB Consumer Complaint Database — timely
Product safety recalls (24 months)0
0 matched recall(s)
Source: FDA + CPSC official recall records
Federal court records0
lookup unavailable
Source: PACER via CourtListener/RECAP
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The complete official record on United Services Automobile Association: complaint drivers, court records, SEC filings, recalls, federal contracts and more — cited PDF you keep. Like a Carfax, but for companies.

Scores reflect official public-record signals (CFPB, FDA, CPSC, FDIC, federal courts) and passive security checks only. Filings are not adjudicated wrongdoing. Not financial, legal or safety advice.

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