Personal credit repair and business credit building.

How it works

1. 1
   Credit analysis

   We pull your reports from all three bureaus and review them line by line with you. You will learn which accounts are helping, which are hurting and why, what status codes actually mean, and how lenders view your profile. We also flag errors, outdated items, duplicates and mixed files that may be lowering your score unfairly.

2. 2
   Action plan

   You get a written, prioritized plan that tells you exactly what to do first. That includes which inaccurate items to dispute, which balances to pay down or restructure, how to time payments for the best utilization impact, and whether authorized-user tradelines or debt consolidation fit your situation. Every move is ordered by speed of impact and your real budget.

3. 3
   Build and monitor

   For business owners, we set up your business credit profile with the major business credit bureaus, guide you through vendor and tradeline selections that report positively, and show you what lenders and creditors want to see before they approve funding. We track progress each month, adjust the plan as scores move and make sure you are funding-ready when the opportunity comes.