Affordable Credit Analysis & DIY Credit Education Services – Coming Soon

 One-Time Credit Consultation – $125

For individuals looking to understand, evaluate, and take control of their credit report.

⏱️ Duration:

45–60 minutes via Zoom or secure online platform
(if using video or phone, ensure the sale was made before the call to stay CROA and TSR compliant)

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 What’s Included:

1. Full Credit Report Review

-Walkthrough of their 3-bureau credit report (client must provide it or access it via a monitoring service)

-Highlight negative, outdated, or potentially inaccurate accounts

-Identify red flags like duplicate accounts or outdated personal info

2. Score Breakdown & Credit Education

-Explain what affects their score (payment history, utilization, credit mix, etc.)

-Share tips on improving credit health over time

-Help them understand how lenders view their file

3. DIY Dispute Education

-Teach them how to send their own disputes (not send them yourself)

-Walk through sample letter formats and what to include

-Help them understand the difference between bureau disputes vs. creditor disputes

4. Strategic Credit Building Plan

-Recommend secured credit cards, credit builder loans, or authorized user strategies (educational only)

-Provide a basic credit improvement roadmap tailored to their situation

5. Action Checklist & Notes

-Send them a PDF or checklist summarizing what was discussed

-Include educational links or a basic timeline they can follow

6. Q&A Session

-Time for them to ask credit-related questions

-Reinforce that you're not providing legal, tax, or financial advice — just educational guidance

🔒 Disclaimers to Include:

This is an educational consultation. We do not offer credit repair services unless you are a Missouri resident. All information provided is for informational purposes only and should not be considered legal or financial advice.

 

 Credit Analysis – $59

Gain insight into your credit without committing to full services. Perfect for those who want to self-repair or simply understand where they stand.

Whether you're preparing to buy a home, start a business, or just want to improve your credit, this one-time credit analysis gives you the clarity and education you need to take the next step — confidently.

✅ What’s Included:

-Review of Your 3-Bureau Credit Report
(Client must provide report or access via a monitoring service)
We’ll walk through your credit profile together and point out:

      -Negative, outdated, or potentially inaccurate items

      -Key factors impacting your score

      -Personal information inconsistencies

-Credit Score Breakdown
      -Understand the five credit scoring factors and how they apply to your specific situation.

-Self-Repair Education
      -Learn how to dispute inaccurate information on your own. We’ll explain:

      -Your rights under the Fair Credit Reporting Act (FCRA)

      -The step-by-step DIY process to challenge errors

-Custom Credit Tips
      -Simple, actionable advice to help improve your credit health over time:

      -Credit-building suggestions (e.g., secured cards, credit-builder loans)

      -Utilization, payment history, and account mix insights

-PDF Summary of Findings
      -You’ll receive a downloadable summary with all major findings, tips, and next steps.

🧾 Important Note:

This service is for educational purposes only. It is not credit repair and does not include disputes or removal of items from your credit report.

Credit repair services are only available to Missouri residents.