Four ways we help.
Consumer credit, student loans, and business credit — under one roof, one standard.
No guaranteed outcomes, no promised deletions, ever.
Credit Report Analysis
For anyone with report errors, derogatory marks, or a mortgage/auto timeline that report issues are putting at risk.
What’s Included
- Three-bureau SmartCredit pull — Equifax, Experian, TransUnion
- Account-by-account review against report summary totals
- Written, dated strategy naming what’s inaccurate, what’s disputable, and what just needs time
- Documented dispute rounds with bureaus and furnishers under the FCRA and FDCPA
What we don't do: promise a guaranteed deletion, promise a specific score increase, or dispute information you confirm is accurate as if it were an error. Anyone who promises those isn't being straight with you.
Common Questions
Not by request — accurate, verifiable information isn't required to be deleted. Where it applies, we pursue goodwill requests or focus on positive history offsetting it over time, and we're upfront when that's the honest path.
Bureaus generally have 30 days to reinvestigate (up to 45 with added documentation). We track every clock from the date of certified-mail delivery.
We escalate through direct furnisher disputes and, where appropriate, note your right to file a complaint with the CFPB
Student Loan Solutions
For borrowers dealing with servicer errors, repayment plan confusion, or forgiveness program questions — not a debt-settlement pitch.
What’s Included
- Full file review across your servicer(s)
- Servicer error identification (misapplied payments, transfer mistakes , incorrect balances)
- Program navigation guidance – repayments plans, forgiveness pathways, consolidation
Background: 24+ years of hands-on student loan casework — this is where Charles's career in this field started, well before the credit-report side of the practice.
Common Questions
We review what transferred and what didn't, and pursue correction directly with the servicer and, where relevant, the bureaus.
No — eligibility depends on program rules that change. We'll tell you honestly where you stand and what to verify.
Credit Building
For thin files, credit recovering from past issues, or anyone preparing for a mortgage or auto purchase.
What’s Included
- Utilization strategy – per-card and aggregate targets
- Positive tradeline building guidance
- Strategy accounting for newer scoring models (FICO 10T, VantageScore 4.0) and their trended-data behavior
- Documented dispute rounds with bureaus and furnishers under the FCRA and FDCPA
Timelines are estimates, never guarantees. Any projection we show you is labeled as an estimate — you'll always see the math, not just a promise.
Common Questions
It depends on your specific factors — utilization, account age, mix, inquiries. We'll walk through your numbers honestly rather than give you a generic timeline.
Less than they used to under trended-data models — sustained patterns matter more now. We'll tell you what actually moves the needle for your target lender's scoring model.
Business Credit & Funding
For business owners and startups building credit separate from their personal file, and preparing for funding applications.
What’s Included
- Entity credit profile setup (D-U-N-S, vendor tradelines)
- Business tradeline building strategy
- Funding-readiness guidance and application preparation
What we don't do: guarantee funding approval. Lenders make that call — we make sure your file is in the strongest honest position when they do.
Common Questions
It's tracked separately through business credit bureaus and tied to your entity, not your SSN — though early-stage businesses often still rely on a personal guarantee.
Varies by starting point. We'll give you a realistic sequence, not a shortcut.