Excellent · Verdica composite score based on three weighted sub-scores from public regulator data.
9 active sources · last successful refresh Oct 14, 2026
source data currentHow this is calculated
Composite = License & Compliance × 40% + Complaints × 35% + Business Profile × 25%, scaled to 300–850.Read full methodology →
Each sub-score starts at a baseline and adjusts based on real regulatory-record signals. Zero-delta rows show what we checked and confirmed clean. “Data quality” indicates how much source data informed the score.
These are unmodified public reviews from Google Reviews — not Verdica ratings or paid endorsements. Reviews shown as-published, positive and negative alike.
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GARY WAYNE RIBBLE scores 796 — these providers rank higher on Verdica's composite trust score.
The Verdica score is a composite trust score from 300 to 850, computed from state license records, consumer complaints, and HUD enforcement maintained by state licensing commissions, the CFPB, and HUD. A score of 796 places GARY WAYNE RIBBLE in the strong (740–799) band. The score reflects publicly available regulator data — it is not a rating from Verdica itself and does not incorporate paid reviews or advertising.
Verdica combines three weighted sub-scores drawn from state licensing commissions, the CFPB, and HUD. Each sub-score reflects a different dimension of real estate compliance — license standing, disciplinary history, and complaint outcomes — and is normalized against industry peers before being aggregated to the 300–850 scale.
Verdica pulls public records from state licensing commissions, the CFPB, and HUD: state license records, consumer complaints, and HUD enforcement. Data is refreshed on rolling cycles, typically weekly to monthly depending on the source agency's own update schedule. See the "source data current" indicator on the entity page for the last successful refresh.
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Ms.Downie and her team was very helpful to me when it came to figuring out and fixing my finances.
View on Google ReviewsShowing 8 of 24 — indexed from public Google Reviews, not filtered by rating
See all 24 reviews on Google ReviewsCommon negative signals include license suspensions, unresolved complaints, or HUD enforcement actions. Any of these appear in the underlying regulator records and pull the sub-score down; the composite reflects the weighted impact.
Yes. Entities can file a dispute directly from the score page, and business owners can claim their profile. Verdica reviews disputes against the underlying regulator record; the score is updated when the source data is corrected. Scores are recomputed automatically as new regulator data arrives.
Shaneque is very professional and knowledgeable. From starting my business to advice on running it, she has helped every step of the way. My previous accountant ghosted me during Covid and she stepped right in, got me caught up, removed some penalties and put me right back on track. I definitely recommend Shaneque for anyone running a business.
Downie solutions is a must have solution person. When in doubt Downie business will figure it out. I have been in a very dark place of confusion and when I was informed about Downie business solution, she helped me dig my self out of the dark and help me start making the progress necessary to get to where I want to be. Thank you miss Downie
I reached out to Shaneque after receiving multiple IRS notices related to a tax issue from several years ago, and the situation quickly escalated into an audit. I was overwhelmed and honestly didn’t realize it was something that could still be resolved in a structured way. From the beginning, Shaneque was professional, thorough, and extremely knowledgeable. She took the time to review the details, explain my options clearly, and set realistic expectations. She handled the process with urgency and kept me informed every step of the way, which gave me peace of mind during a very stressful situation. If you’re dealing with IRS notices or an audit—even for something from years ago—I highly recommend working with Shaneque. She is organized, responsive, and truly knows how to navigate tax resolution the right way.
I’ve used Downie Solutions for the past 8 years now and my experience is nothing less than amazing! Shaneque and her team helped me make sense of my business taxes and offered personalized financial guidance that has saved me so much money. I highly recommend Downie Solutions if you are a business owner!
My husband and I were really overwhelmed trying to manage our finances. He’s a truck driver and between keeping up with licensing, paperwork, and taxes, we honestly couldn’t figure out what was going on or what we needed to stay on top of. Shaneque helped us get everything straightened out and put a system in place so we can stay up to date going forward. Even though we’re not the most tech-savvy, she made sure everything was easy to access and understand, and she’s always available when we have questions. Having her support has taken a huge weight off our shoulders. Highly recommend!
Ms. Downie was truly amazing! I’m just setting up my business and was truly confused at first. But she made it super easy to set up my LLC and explained everything in a way I actually understood. She didn’t just file things and leave me guessing — she walked me through what it all means and what I need to do next. If you’re starting a business and don’t know where to begin, I 100% recommend her.
I’ve worked with Shaneque across multiple businesses, and I can honestly say she’s been a real partner in my growth. She’s not just someone who “does your books” and disappears — she stays involved, she checks in, and she makes sure things are done the right way. She’s helped me with bookkeeping, taxes, compliance, and keeping everything organized so I’m not scrambling when deadlines come up. She also supported me with licensing and the MWBE process, which was a big deal for my business. A lot of people don’t understand how much paperwork and follow-up goes into that, but she stayed on top of it and guided me through it. What I appreciate most is she takes the time to educate me. She doesn’t talk over your head or rush you. She makes sure you actually understand what’s happening and what needs to be done, so you can make better decisions as a business owner. If you’re running a business and you want someone reliable, knowledgeable, and serious about keeping you compliant and prepared, I highly recommend Shaneque.