What Verdica's 803 score means for DEBRA F MCCORMICK
Debra F McCormick's composite score of 803 out of 850 places her in Verdica's excellent band (800–850). This score reflects strong overall performance across the regulatory dimensions that matter most in real estate: active licensing status, minimal complaint history, and a credible business profile.
A score in this range indicates that regulators and enforcement agencies have found no significant red flags in McCormick's licensing record or complaint activity. For a business owner or consumer, this means the provider has demonstrated compliance with state requirements and has not generated the volume or severity of complaints that would trigger regulatory concern.
The score is based on data from state licensing commission records, the Consumer Financial Protection Bureau (CFPB), and HUD enforcement actions. Because no independent customer reviews are yet indexed for McCormick, the score reflects regulatory visibility only—not consumer sentiment. Readers should understand that an excellent score is a floor, not a ceiling: it confirms baseline trustworthiness but does not substitute for direct reference checks, contract review, or your own due diligence.
How the sub-scores break down
License & Compliance (850/850): This perfect score indicates that McCormick's state license is in good standing and that no active compliance violations appear in Texas licensing commission records. In real estate, this dimension tracks whether a provider maintains required credentials, has completed continuing education requirements, and has no outstanding disciplinary actions from the state. A perfect score means McCormick meets all statutory obligations.
Complaints (800/850): This score is near-perfect, suggesting that complaints filed against McCormick—whether through state regulators, CFPB, or HUD—are minimal relative to her time in business or volume of transactions. In real estate, complaint data typically includes allegations of fraud, misrepresentation, unauthorized fees, or violation of fair lending standards. A score of 800 does not mean zero complaints; it means complaints are infrequent enough that they do not materially alter the risk profile.
Business Profile (730/850): This is the lowest of the three sub-scores, though it remains in the acceptable-to-strong range. Business Profile typically aggregates factors such as business registration status, longevity, consistency of reported operating information, and completeness of public filings. A score of 730 might reflect minor gaps in public profile data, a newer business entity, or lack of independent verification on certain dimensions—not necessarily conduct problems. In context, this sub-score does not materially drag down McCormick's overall rating.
What regulators in TX track for real estate providers
Texas licensing commission records focus on whether providers hold valid credentials, comply with continuing education mandates, and avoid disciplinary actions. Common grounds for action include misrepresentation in marketing, improper handling of client funds, failure to disclose conflicts of interest, and violation of fair housing laws.
The CFPB tracks consumer complaints in lending and financial services, including real estate-related lending practices. Complaints might involve loan terms, disclosure failures, or aggressive collection tactics.
HUD enforcement actions address fair housing violations—discrimination based on protected characteristics—and fraud in HUD-insured or HUD-backed transactions. These are the highest-severity infractions in the regulatory landscape.
Verdica's scoring algorithm weights these sources by severity: an HUD enforcement action would typically have more impact than a single CFPB complaint, and either would matter more than a licensing flag that has since been resolved. A provider in the 800+ band has avoided these serious actions.
Bottom line
McCormick's score of 803 reflects solid regulatory standing: her license is current, complaints are minimal, and no major enforcement actions appear in the data. Before engaging her services, confirm her current license status independently, review any available contracts, and ask for references—these steps complement what the score already shows you.