What Verdica's 796 score means for MICHAEL RAY ELEDGE
Verdica's composite score of 796 out of 850 places MICHAEL RAY ELEDGE in the "excellent" band (800–850 range is one point away). This score reflects a strong overall compliance and business conduct profile based on data aggregated from state licensing records, consumer complaint databases, and federal enforcement actions. A score at this level indicates that regulators and complaint channels have not surfaced significant red flags, and the provider maintains active, valid licensing credentials.
For a business owner or consumer evaluating this provider, a score of 796 suggests lower regulatory risk compared to the general population of real estate professionals. However, it is not perfect—the one-point gap to the "excellent" threshold indicates there may be minor considerations worth understanding. This score should be interpreted as a screening tool, not a complete due-diligence substitute. Independent customer reviews are not yet indexed for this entity, so personal references or case-by-case verification remains advisable before engagement.
How the sub-scores break down
License & Compliance (850/850): This perfect sub-score reflects that state licensing commission records show no active suspensions, revocations, or unresolved compliance violations. In the real estate industry, this dimension tracks whether a provider holds current licensure, has satisfied continuing education requirements, and has no open disciplinary cases with the state authority. A score of 850 indicates the provider is in full standing with their regulatory body.
Complaints (800/850): This sub-score draws from databases maintained by the Consumer Financial Protection Bureau (CFPB) and HUD enforcement records, which log formal complaints, disputes, or enforcement actions filed against the provider. A score of 800 is notably strong, though not flawless. It suggests that either no complaints have been lodged, or any complaints that do exist have been resolved without resulting in sanctions or enforcement closure notes. In the real estate context, complaint data often reflects issues such as delayed closings, misrepresentation, fee disputes, or fair lending concerns. An 800 indicates this provider has not accumulated a notable complaint history.
Business Profile (705/850): This sub-score is the lowest of the three and reflects factors beyond licensing and complaints—potentially including business registration status, years in operation, organizational structure transparency, or consistency of business address records. A score of 705 falls in the "acceptable" band, not "strong." This does not indicate wrongdoing; rather, it suggests there may be gaps in publicly available business profile information or minor discrepancies in how the entity is registered across databases. Real estate professionals with limited online presence, frequent address changes, or newer market entry often see lower profile scores.
What regulators track for real estate providers
State licensing commissions oversee real estate providers through continuing education mandates, ethical conduct standards, and escrow/trust account oversight. They investigate complaints and can impose discipline ranging from fines to license suspension or revocation.
The CFPB collects and publishes consumer complaints about mortgage lenders, brokers, and service providers. Common complaint categories include loan disclosure issues, payment application errors, and unresponsive communication. The CFPB does not determine guilt but logs alleged harm and company response.
HUD enforcement targets fair housing violations, predatory lending practices, and discrimination in lending or sale. HUD can initiate civil rights investigations and impose penalties if violations are substantiated.
Scores move upward when providers maintain clean licensing records and accumulate no complaint history. Scores move downward when disciplinary actions are on file, complaints go unresolved, or business registration records show inconsistencies.
Bottom line
MICHAEL RAY ELEDGE presents a low-risk profile for regulatory compliance and complaints, with a score that reflects current licensing in good standing and minimal complaint history. Before engagement, verify references directly, confirm current licensing status through your state's commission website, and review any service agreements carefully—standard due diligence that applies regardless of score.