Our Services

We review your TransUnion, Equifax, and Experian reports simultaneously to get the full picture of what's affecting your score.

Collections, late payments, charge-offs, bankruptcies, hard inquiries, student loans — we find everything and categorize it by impact and removability.

Every client gets a personalized plan based on what's actually on their report — not a one-size-fits-all approach.

We establish a realistic target score based on your situation and what you're trying to accomplish — home, car, business, or general improvement.

We use the exact language of the Fair Credit Reporting Act in every letter — the legal framework the bureaus are required to respond to.

We dispute across TransUnion, Equifax, and Experian at the same time — maximizing efficiency and getting results faster across all three.

When bureaus respond we review the results, escalate if necessary, and send follow-up rounds targeting anything that didn't get removed the first time.

Hard inquiries on Experian can be disputed and removed within 24 hours — a quick win that can move your score immediately.

When appropriate we negotiate pay-for-delete agreements — where the collection agency agrees to remove the account entirely in exchange for payment.

For paid collections we send goodwill letters requesting the creditor remove the account out of goodwill — often successful with the right approach and language.

We require collectors to validate every debt in writing under the FDCPA. If they can't provide proof — the account must be removed from your report.

Charge-offs can often be disputed and removed — especially when the reporting information is inaccurate or the original creditor fails to verify the debt.

Which cards to apply for, when to apply, what limits to carry, and how to use them to maximize positive payment history reporting across all bureaus.

Credit utilization is 30% of your score. We coach you on exactly where to keep your balances to get the maximum score benefit from your available credit.

Knowing when to open new accounts — and when not to — is critical. We tell you exactly what to do and what to avoid during your repair program.

A clear month-by-month plan showing what we expect to happen and when — so you know exactly where you're headed and what to expect.

Every item successfully deleted or updated in the past 30 days — with confirmation from the bureau and the impact on your score.

Your before and after scores across all three bureaus so you can see exactly how much progress has been made since you started.

What's currently being disputed, which bureaus have responded, and what's pending — so you always know exactly where things stand.

What we're working on next, what we need from you if anything, and what you can expect over the next 30 days of your program.

Reach your Advisery team directly via text or email Monday through Friday. No phone trees. No tickets. Just direct communication.

Have a question about your report, your score, or something a lender told you? We answer it — fast and clearly — so you always understand what's happening.

If something comes up — a lender denial, an unexpected bureau response, a new collection — reach out and we'll guide you on exactly what to do.

Elite and Business plan clients get direct access to Anthony — not just the support team. Text him directly with questions, strategy, or updates.

We assess your full financial profile — personal credit, income, debt-to-income ratio, and existing accounts — and build a clear roadmap showing exactly what needs to happen before lenders say yes to you.

We set you up with Dun & Bradstreet, Experian Business, and Equifax Business — get your EIN reporting properly, establish vendor net-30 accounts, and build a business credit profile that lenders actually see and respect.

We submit to multiple business card issuers simultaneously — timed strategically so each approval doesn't impact the next. Most clients walk away with 3–7 cards and $20,000–$150,000 in accessible 0% business credit. Our fee is 10% of what you get funded — no results, no fee.

Not sure which funding path is right for you? We consult on your full situation — business age, revenue, credit profile, goals — and map out the best approach whether that's business cards, lines of credit, SBA loan readiness, or MCA alternatives. You leave knowing exactly what to do and in what order.