Credit consulting is the educational arm of credit work. A consulting session is one or two meetings where we sit down with your three-bureau report, walk through every account that's pulling your score down, and write you a plan you can execute on your own.
There's no retainer, no monthly fee, no auto-billed engagement that quietly runs for a year. You leave with a document that lists every line item on your report, what's wrong with each one (if anything), the order to dispute them, the language to use, and what to expect from the bureau within the 30-day FCRA response window.
Who comes to consulting instead of repair
Consulting fits people who want to understand the path, not be driven through it. Some clients are detail-oriented and want to send the dispute letters themselves. Some want to know what's happening before they hand over the work. Some are early-career and want the education for the next twenty years, not just for this month's score.
Full-service credit repair is the alternative - same destination, same laws, but we file the paperwork and you read the progress reports. Both end in the same place: a cleaner report and a higher score.
Consultations are 30 to 60 minutes and the first one is free. Schedule one through the contact page.