Credit Restoration Consultation

Service Description

A credit restoration consultation is a focused, 20–30 minute session to assess your credit profile, identify quick wins, and outline a clear step-by-step plan to improve your scores. What we’ll cover: • Your goals and timeline: qualifying for a mortgage, lowering interest rates, or rebuilding after hardship. • Credit review: a high-level look at your reports and scores to spot inaccuracies, negative items, utilization issues, and data gaps. • Dispute and cleanup strategy: which items may be challenged, what documentation is needed, and realistic timelines. • Score-building plan: credit utilization targets, secured/primary tradeline options, on-time payment setup, and mix optimization. • Debt and budgeting tips: payoff methods (snowball/avalanche), balance transfers, and cash‑flow habits that protect your progress. • Compliance and expectations: how the process works, what we can and can’t do, and typical result timelines. What you’ll leave with: • A personalized action plan with prioritized steps and target dates. • A dispute roadmap, including letters/templates and supporting document checklist. • Score goals (e.g., 640/680/720) with milestones and a monitoring cadence. • Recommended tools and vetted partners (credit monitoring, secured cards, counseling, lenders). Format: Phone or video, 20–30 minutes. Ready to take the first step? Book your consultation and start moving your credit forward with a clear plan.