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As of Oct. 25, 2026 · Zero-PII live audit ledger
0 paid customer audits logged yet (live tracker launched Oct 25, 2026 — updates automatically as paid audits complete).
Three-Tier Savings Tracking: (1) Overcharge Flagged by Audit ($) (deterministic engine math on every paid audit) · (2) Buyer Self-Reported Savings ($) (self-reported) (1-tap post-negotiation input) · (3) Redacted Final Buyer’s Order Verified ($) (optional redacted final buyer’s order verification stripped of all PII in memory).
Compliance policy: VaultRubric never fabricates or seeds paid deal counts. Every row that appears in the live ledger comes from a verified live audit, with zero personal information or VIN serial digits stored.
No live customer deal rows yet. Run a check in the Car, Lease, Commercial Truck & Equipment Deal Checker to audit your quote.
Search or inspect dealership historical quote cleanliness grades, average hidden add-on packs, doc fees charged, and bait-and-switch frequency across audited worksheets:
| Dealership / Region | Deals Audited | Historical Grade | Avg Overcharge Flagged | Avg Add-Ons Attempted | Avg Doc Fee | Bait-and-Switch % | Avg Verified Savings |
|---|---|---|---|---|---|---|---|
| ZIP 372xx · Middle TN Import Franchise (Benchmark Example) | 1 | Grade F (18/100) | $7,199.45 | $1,894.00 | $699.00 | 0.0% | — |
Our zero-PII Data Flywheel aggregates statutory doc fees and mandatory add-on packs by State + 3-digit ZIP prefix + Franchise Brand (never storing buyer PII, VIN serials, or specific dealer names). Live verified rows update automatically as paid audits complete; rule-verified regional benchmark examples are labeled below:
| Region (ZIP-3) & Franchise Brand | State Doc-Fee Rule | Observed Doc Fee | Add-Ons Attempted | Source Status |
|---|---|---|---|---|
| ZIP 372xx · Middle TN Import Franchise (Example only) | TN (Uncapped; $495 benchmark) | $699.00 | $1,894.00 (Etch + Paint Pack) | Benchmark Example (not a customer deal) |
| ZIP 900xx · SoCal Franchise (Example only) | CA ($85 statutory cap) | $85.00 | $1,495.00 (Appearance Pack) | Benchmark Example (not a customer deal) |
| ZIP 331xx · South FL Franchise (Example only) | FL (Uncapped; $999+ common) | $1,199.00 | $2,490.00 (Nitrogen + LoJack + Etch) | Benchmark Example (not a customer deal) |
These rule-by-rule mathematical benchmarks illustrate how the audit engine flags statutory doc-fee overages, optional F&I add-on packs, APR reserve markups, and 12% Federal Excise Tax errors (example only, your deal will differ):
| Example Worksheet Benchmark | State | Quoted OTD | Clean Target OTD | Overcharges Flagged by Formula |
|---|---|---|---|---|
| 2024 Honda CR-V EX-L (Loan Worksheet Example) | TN | $38,342.51 | $36,315.93 | $1,894 optional etch/paint add-ons + 3.41% APR markup ($7,199 total loan overcharge) |
| 2025 Midsize SUV 36-Mo Lease (Money Factor Example) | CA | $680.58/mo | $622.96/mo base | $1,495 appearance pack + money factor conversion check (MF × 2,400) |
| Used Class 6 Box Truck (26,000 lb GVWR Commercial Example) | TX | $68,400.00 | $59,800.00 | Improper $7,200 12% FET line (exempt under 26 U.S.C. § 4051: used & ≤33,000 lbs GVWR) + $1,400 prep padding |
Check your car, lease, truck or equipment quote →
Educational only, not financial or legal advice. Verify all figures with your lender and dealer.
Yes. The live ledger starts at 0 and records only real completed paid or Pro audits, with zero personal information. Example worksheet benchmarks are labeled separately.
Overcharge Flagged by Audit ($) is the mathematical difference between the dealer's worksheet and our clean calculation before negotiation. Buyer-Reported Negotiated Savings ($) is self-reported by the buyer after negotiating with the dealer (unverified by VaultRubric; individual results vary).
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.