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
Vw Credit
Covenant Score: 98/100
Federal complaint trend vs market (CFPB)+3
561 complaints last 12mo, +14.0% vs prior year; all CFPB complaints moved +45.3% in the same window → -31.3 points vs the market
Source: CFPB Consumer Complaint Database
Relief rate vs market (CFPB)-5
17.4% of closed complaints ended with relief; market 31.6% → -14.2 points vs the market
5,000 matching records — shown, never scored: litigation volume scales with company size and a case is not a verdict
Source: PACER via CourtListener/RECAP
The full Covenant Report — every spectrum, one document
$19 one-time
The complete official record on Vw Credit: 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.
Cookies run the site and measure what's working. Necessary ones are always on; you choose the rest. Policy.