Credit Counseling Services

Our Services

Comprehensive credit counseling services designed to help you work toward your credit goals. Our expert advisors provide guidance and strategies to address inaccuracies and improve your credit profile.

Credit Report Analysis

We review and analyze your credit reports from all three major bureaus to identify errors, inaccuracies, and items that may be affecting your profile.

Complete 3-bureau report review
Error identification
Score impact analysis
Personalized action plan

Dispute Guidance

Our advisors help you understand the dispute process and guide you through addressing inaccuracies with credit bureaus and creditors.

Dispute strategy development
Bureau communication guidance
Creditor correspondence support
Progress tracking

Collection Account Counseling

Get expert guidance on addressing collection accounts and understanding your rights under consumer protection laws.

Debt validation guidance
Negotiation strategies
Statute of limitations review
Consumer rights education

Late Payment Counseling

Late payments can impact your credit profile. We help you understand options for addressing inaccurate late payment entries.

Late payment review
Goodwill letter guidance
Creditor communication tips
Payment history analysis

Hard Inquiry Review & Advisory

Too many hard inquiries can affect your credit. We help you identify and address unauthorized inquiries on your report.

Inquiry audit
Unauthorized inquiry guidance
Identity protection tips
Inquiry management education

Credit Building Strategy

Beyond addressing issues, we help you develop strategies to build positive credit history for long-term credit health.

Secured card recommendations
Utilization optimization
Credit mix strategies
Ongoing advisory support

Frequently Asked Questions

Everything you need to know about our credit counseling services

How long does the credit counseling process take?

Most clients begin seeing progress within 30-45 days after we begin working together. The full timeline depends on the complexity of your situation and the number of items being addressed. On average, meaningful progress is typically achieved within 3-6 months.

Is credit counseling legal?

Yes, absolutely! Credit counseling and disputing inaccurate information is 100% legal and protected under the Fair Credit Reporting Act (FCRA). You have the legal right to dispute any information on your credit report that you believe is inaccurate, incomplete, or unverifiable.

What types of items can be addressed?

We can help you understand how to address late payments, collections, charge-offs, repossessions, inaccurately reported bankruptcies, foreclosures, judgments, tax liens, and hard inquiries. Any item that is inaccurate, incomplete, or unverifiable may be challenged under consumer protection laws.

Will I need to provide any documents?

We may request copies of your credit reports, identification documents, and any supporting documentation related to items being addressed. This helps us provide more effective guidance for your situation.

What kind of improvement can I expect?

Results vary based on individual circumstances. Many clients have seen meaningful improvements in their credit profiles. The potential improvement depends on the number and type of items on your report and how the credit bureaus respond to disputes.

Do you offer a satisfaction guarantee?

We stand behind our work and are committed to your success. If you're not satisfied with our services, we'll work with you to address your concerns based on your specific agreement terms.

How It Works

Our proven 4-step process helps you improve your credit score systematically

Free Consultation

We review your current credit situation and discuss your goals during a no-obligation consultation.

Credit Analysis

Our team reviews your credit reports and identifies items that may be impacting your credit profile.

Strategy & Guidance

We develop a personalized strategy and guide you through the process of addressing inaccuracies.

Monitor & Support

We track your progress and provide ongoing support as you work toward your credit goals.

Choose Your Plan

Select the service that fits your needs. No hidden fees, no monthly subscriptions.

Credit Checkup

Freeno obligation

Get a complete analysis of your current credit situation with no commitment.

Full credit report review
Score analysis
Identify negative items
Personalized improvement plan
30-minute consultation

Get Free Checkup

Credit Counseling

$1,750one-time payment

Complete credit counseling service with expert guidance and ongoing advisory support.

1 user included
Full credit report analysis
Comprehensive item review
Credit profile optimization
Personalized guidance
Ongoing advisory support
Creditor communication strategies
Monthly progress reports

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Family Plan

$2,750one-time payment

Perfect for couples or families who want to improve their credit together.

2 users included
Everything in Credit Counseling
Joint account analysis
Coordinated improvement strategy
Priority support
Family financial coaching

Get Started

Ready to Improve Your Credit?

Get started with a free credit analysis and discover opportunities to improve your profile.

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