Consultation
Credit Repair
Not quite ready to fund? Our credit repair program helps you optimize your profile so you qualify for better rates and higher amounts.
Credit Repair
Consultation
Overview
Not every business is ready to fund today — and that's okay. Our credit repair program works with you to optimize your personal and business credit profiles so that when you are ready, you qualify for the best rates and highest amounts available. We conduct a comprehensive credit analysis, identify items that can be disputed or improved, work directly with credit bureaus on your behalf, and create a clear path-to-funding roadmap with specific milestones. Most clients see meaningful score improvement within 60-90 days.
Key Features
- Comprehensive credit analysis
- Dispute resolution with bureaus
- Score optimization strategies
- Path-to-funding roadmap
Funding Range
Consultation
Category
Specialty Programs
Specialized funding vehicles for unique business needs.
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How Credit Repair works
Comprehensive credit review
We pull reports from all three major credit bureaus — Equifax, Experian, and TransUnion — and conduct a line-by-line analysis to identify every item that can be disputed, corrected, or improved.
Dispute and optimization strategy
We build a prioritized action plan targeting the items with the highest score impact first. This includes bureau disputes, goodwill letters to creditors, authorized user strategies, and credit utilization optimization.
Active dispute management
We file disputes directly with the bureaus and creditors, track responses, and escalate when necessary. Most dispute cycles take 30-45 days, and we manage multiple rounds until every viable item has been addressed.
Funding readiness assessment
As your score improves, we reassess your funding eligibility at each milestone. When you hit your target range, we connect you with the products that now match your improved profile — better rates, higher amounts, and more favorable terms.
Why Choose This Product
Built for growing businesses
Comprehensive Analysis
We pull and review all three bureaus, identify every opportunity for improvement, and build a prioritized action plan.
Active Dispute Management
We handle disputes directly with bureaus and creditors. You don't have to navigate the process alone.
Clear Path Forward
A specific roadmap with milestones showing when you'll likely qualify for your target funding amount and rate.
Eligibility
Who qualifies for Credit Repair
- Any credit score — this program is designed to improve your position regardless of starting point
- Business owners who have been declined for funding due to credit issues
- Individuals with inaccurate, outdated, or disputable items on their credit reports
- Business owners planning to apply for funding in the next 3-12 months who want to optimize their profile first
- No minimum time in business required
Real-World Scenarios
Common use cases
A restaurant owner with a 520 credit score works with our credit repair team to dispute three inaccurate collections and optimize utilization. Within 90 days, her score reaches 620 and she qualifies for a $150K line of credit she was previously denied.
A contractor discovers old medical debt that is damaging his score. Our team disputes the items, removes two that were past the statute of limitations, and negotiates pay-for-delete on the third. His score improves by 85 points.
A startup founder has a 680 score but wants to maximize her position before applying for SBA financing. Our optimization strategies — reducing utilization, adding authorized user accounts, and correcting a reporting error — push her score to 740, qualifying her for the best available SBA rates.
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Credit Repair vs. alternatives
Credit repair is not a lending product — it is a service that improves your eligibility for every other product we offer. Clients who complete the credit repair program before applying for a line of credit, term loan, or SBA loan typically qualify for significantly better rates and higher amounts. If you need capital immediately, business credit cards with 0% intro APR can provide short-term access while you work on improving your credit profile. A line of credit may also be accessible at lower credit scores, though the terms will improve as your score increases.
Frequently Asked Questions
Common questions about Credit Repair
Results vary based on your starting position and what is on your report. Clients with inaccurate items, old collections, or high utilization typically see improvements of 50-120 points within 60-90 days. We provide a realistic estimate during your initial consultation based on what we find on your reports.
Most clients see meaningful results within 60-90 days. The full process — including multiple dispute rounds and optimization strategies — typically runs 3-6 months. We provide regular progress updates and milestone reports throughout.
You will need a government-issued ID, your Social Security number for pulling credit reports, and any documentation related to accounts you believe are inaccurate (statements, payment receipts, correspondence with creditors).
Yes. You have legal rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) to dispute inaccurate, unverifiable, or outdated information on your credit reports. Our service exercises these rights on your behalf through proper channels.
No legitimate credit repair service can guarantee specific results. What we can guarantee is a thorough analysis of your reports, aggressive pursuit of every viable dispute, and a clear strategy for improvement. We provide realistic expectations during the initial review.
No. Disputing items on your credit report does not affect your existing credit accounts, loans, or credit cards. The dispute process targets specific inaccurate or questionable items, not your overall credit file.
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