— SERVICES · 01–07

Seven programs.
One operating system.

Credit repair is the wedge. Funding is the outcome. Everything we offer is engineered to move you from where you are to where capital can actually find you — fast.

01

Credit Repair

Aggressive disputes against the line items dragging you down.

We pull all three bureau reports, identify every account that's suppressing your score, and file disputes with surgical specificity. Most clients see meaningful movement within 30 days; sustained lift over 90.

DELIVERABLES
  • Tri-bureau report pull + analysis
  • Dispute filings on every actionable item
  • Weekly progress updates with screenshots
  • Direct creditor negotiations on validated accounts
  • Goodwill letter strategy where appropriate
AVG SCORE LIFT — 90 DAYS
+147
02

Credit Building

A custom strategy for adding positive history that compounds.

After repair, we keep going. The right mix of revolving accounts, installment loans, and reporting cadence — sequenced over 12 months — is what separates a 720 from an 800. We build that sequence specifically for your file.

DELIVERABLES
  • Personalized 12-month build plan
  • Account-mix recommendations and timing
  • Utilization management coaching
  • Hard-pull discipline framework
  • Quarterly score reviews
AVG ADDITIONAL LIFT — 12 MONTHS
+82
03

Tradelines

Strategic seasoned-tradeline placement on existing files.

When you need movement on a tighter timeline — closing on a property, applying for a specific lender — we place you on seasoned tradelines from carefully vetted primary cardholders. Reports within one cycle.

DELIVERABLES
  • File-fit analysis (which tradelines actually help)
  • Placement on seasoned, low-utilization accounts
  • Single-cycle reporting guarantee
  • Lender-specific positioning advice
  • Removal scheduling
TIME TO REPORT
1 CYCLE
04

Business Credit Repair

For owner-operators whose business credit is hurting their personal score.

Most "business" credit is actually personally guaranteed. We separate the two — clean up the business profile with the bureaus, establish proper Paydex/Intelliscore, and give you a path to non-PG funding.

DELIVERABLES
  • D&B / Experian Business / Equifax Business cleanup
  • EIN-only credit positioning
  • Vendor account ladder (NET-30 to revolving)
  • PG removal strategy
  • Path to non-PG funding lines
AVG NON-PG LINES UNLOCKED
$50K+
05

Personal Funding

Lines of credit and term loans, even with imperfect credit.

We've spent years building lender relationships specifically for clients other shops can't place. Underwriting in 48 hours. Approvals up to $150K personal. Rates priced to your repaired file, not your historical low.

DELIVERABLES
  • Pre-qualification across 40+ lenders (no hard pull)
  • Application packaging and submission
  • Direct underwriter advocacy
  • Multi-lender stacking when appropriate
  • Closing logistics + funding wire coordination
AVG MAX APPROVAL — PERSONAL
$150K
06

Business Funding

Capital for startups, expansion, and inventory.

Term loans, SBA, lines of credit, equipment financing. We work with startups (under 6 months) and established operators alike. Your application gets shaped to your actual numbers — not crammed into a one-size template.

DELIVERABLES
  • Lender matching by industry, time-in-business, revenue
  • Application package + financial narrative
  • SBA prep where eligible
  • Equipment and inventory financing structuring
  • Stacking strategy for max capital
AVG MAX APPROVAL — BUSINESS
$500K+
07

First Responder Programs

Discounted enrollment, priority service, exclusive lender access.

For active and retired first responders. 40% off public pricing. Dedicated specialist on your file. Access to lender programs that price your service history into your approval — not against it.

DELIVERABLES
  • 40% discount on all programs
  • Dedicated specialist (former responder or 10+ years serving them)
  • Priority queue for underwriting
  • Loyalty credit ($500) at graduation
  • After-action package mailed to every graduate
LOYALTY CREDIT AT GRADUATION
$500
— QUESTIONS WE GET

Plain answers,
no soft sell.

Ask us yours
How long does credit repair actually take? +

Most clients see meaningful movement within the first 30–45 days. Full programs run 90–180 days depending on file complexity. We'll tell you a specific timeline after the free audit — never a vague "it depends."

Will any of this hurt my credit? +

No. Disputes are a federal right and don't damage your score. Funding applications can involve hard pulls — we coordinate them to minimize impact and only after you approve.

What if I have a bankruptcy or foreclosure? +

We work with files that other shops decline. Bankruptcies, charge-offs, judgments, tax liens — all addressable. The strategy and timeline change, but the program does not.

Do you guarantee results? +

We guarantee the work — every dispute filed, every weekly update sent, every lender contacted. We don't guarantee specific point increases because anyone who does is lying to you.

How is the first responder pricing different? +

40% off public program prices, dedicated specialist, priority underwriting queue, and a $500 loyalty credit at graduation. Eligibility verified once via a department badge or pension stub.