Fix Your Credit Today
Learn what “bad credit” really means and get a customized action plan to rebuild it today.
What is Bad Credit?
Bad credit means your report shows marks that make lenders hesitant. Common causes include:
Late or Missed Payments
Even one late payment can stay on your report for years.
High Credit Utilization
Using too much of your available credit signals risk.
Derogatory Marks
Collections, judgments, bankruptcies, and charge-offs.
Short Credit History
Less history gives lenders less confidence.
Frequent Credit Inquiries
Many recent applications suggest financial stress.
Why It Matters?
Bad credit can lead to higher interest rates, loan denials, security deposits on utilities and rentals—and lost opportunities.
Our proven 4-phase roadmap takes you from “bad” to “better” with clarity and confidence:
Analyze Your Report
We pull your full credit report and pinpoint every issue holding you back.
Dispute & Negotiate
We file challenges, contact creditors, and follow up until negatives are removed.
Positive Tradelines
We secure and add tradelines or loans proven to boost your score.
Monitor & Coach
You get monthly score updates, insights, and personalized action plans.
How Much Could You Save?
Even a modest score boost can save you thousands on your mortgage, auto loan, and credit cards.
Bad Credit Can Save You
| Goals | Interest Rate | Monthly Payment | 30 Year Savings |
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Our Pricing
Pick the plan that fits your goals—every package includes dispute campaigns, tradeline boosts, dashboard access, and expert coaching
Starter
Quick Wins & Small Fixes- Credit Snapshot & Analysis
- Up to 3 Dispute Campaigns/Month
- Tradeline Recommendations
- Dashboard Access
Growth
Steady Score Improvement- Everything in Starter, plus:
- Up to 5 Dispute Campaigns/Month
- 1 Credit-Builder Loan Placement
- Monthly Coaching
Pro
Accelerated, Hands-On Support- Everything in Growth, plus:
- Up to 8 Dispute Campaigns/Month
- Priority Tradeline Placement
- Bi-Weekly Coaching
