What Verdica's 796 score means for JUDY V PAREDES
Verdica's composite score of 796 out of 850 places JUDY V PAREDES in the "strong" performance band (740–799), indicating a real estate provider with solid regulatory standing and a low incidence of formal complaints. This score reflects compliance data drawn from state licensing records, federal consumer protection databases, and HUD enforcement actions—three primary sources that regulators use to assess fitness to operate in real estate.
A score of 796 suggests that JUDY V PAREDES has maintained active licensing credentials, operated without major disciplinary action, and has not accumulated a pattern of unresolved consumer complaints at levels that would trigger enforcement escalation. For a business owner or consumer evaluating this provider, this score means the regulatory record is clean enough to proceed with due diligence, though it is not the highest possible rating. The score should be interpreted as reflecting documented compliance, not absence of all risk—consumers and partners should still verify specific credentials, check references, and review any available service history before committing to a business relationship.
How the sub-scores break down
License & Compliance: 850/850 This perfect sub-score indicates that JUDY V PAREDES holds valid, active licensure and has no documented enforcement actions, license suspensions, revocations, or formal violations recorded in state licensing commission files. In the real estate industry, this dimension tracks whether a provider meets the baseline legal requirement to operate—whether a broker, agent, loan officer, appraiser, or other licensed role. A score of 850 means the underlying licensing status is current and unblemished by regulatory action.
Complaints: 800/850 This sub-score reflects formal complaints filed with federal or state authorities, typically tracked through the CFPB complaint database and HUD enforcement records. A score of 800 (rather than 850) indicates that JUDY V PAREDES has a minimal but non-zero complaint history in regulatory files. This is not unusual for an active real estate provider; complaint presence alone does not indicate wrongdoing, but rather that at least one consumer raised a formal concern that was logged and investigated by regulators. Without access to individual complaint details in the summary data provided, consumers should understand this reflects the existence of at least some documented dispute—likely resolved or found unsubstantiated—rather than repeated or egregious patterns.
Business Profile: 705/850 This sub-score (the lowest of the three) reflects data points such as business registration status, years in operation, entity type, and other structural indicators in public records. A score of 705 is in the "acceptable" range and suggests that the business profile is documented and verifiable, but may lack the additional indicators (such as extended tenure, multiple locations, or institutional depth) that would elevate the score further. For a solo or small-operation provider, this score is typical and should not be interpreted as a red flag.
What regulators track for real estate providers
State licensing commissions maintain records on education, continuing professional development, examination passage, and any disciplinary actions including fines, censures, or license restrictions. The Consumer Financial Protection Bureau (CFPB) aggregates consumer complaints related to financial products and services, including mortgage lending and other credit-related real estate transactions. HUD enforcement data tracks violations of fair housing law, equal credit opportunity requirements, and other federal housing standards. Scores move based on the absence or presence of substantiated violations in these systems—infractions such as unlicensed practice, misrepresentation, discriminatory conduct, fee disputes, or failure to disclose material information will lower a provider's rating. Conversely, a clean record over time and responsive resolution of any complaints registered will support a higher score.
Bottom line
JUDY V PAREDES presents as a compliant, low-risk real estate provider based on regulatory records. Before engaging, confirm that the specific service line you need (brokerage, lending, appraisal, etc.) aligns with the license type on file, and consider requesting client references to supplement the regulatory profile.