I tried this mortgagewatchdog software and couldn't find any errors in the three years' statements.  Frustrated, I tried to get back my money from the software vendor, who guaranteed, but to claim the money back it has to be minimum of four years.
I tried my other margin loan account, but the software didn't find any errors.
Felt like cheated and wated my money and time.
Don't buy this product.. this is total useless, in my opinion