I’m a seasoned credit repair consultant dedicated to helping people take control of their credit and build a stronger financial future. My process begins with a thorough review of your credit reports to identify errors or outdated items. I focus on what’s legally possible: helping you obtain your free annual credit reports and dispute inaccuracies or incomplete information at no cost. I’ll work with you to draft and send dispute letters to credit bureaus and creditors, then monitor the investigation process—credit reporting companies must complete these investigations within a set timeframe. Beyond correcting errors, I provide guidance on building positive credit habits, such as paying bills on time, keeping credit utilization low, and using a mix of credit types responsibly. My goal is to give you the tools and knowledge to qualify for loans, credit cards and mortgages at competitive rates—not by making unrealistic promises, but by collaborating on a plan that takes time and discipline. With personalized support and clear steps, we’ll work together to strengthen your credit and move closer to your financial goals. Communication & Billing Policy: Maintaining an open line of communication is essential to successful credit improvement. I ask that clients stay responsive via email or our secure client portal so we can address questions quickly and keep your progress on track. This continuous dialogue helps us resolve issues promptly and adjust your plan as needed. I also follow federal regulations that protect consumers: under the Credit Repair Organizations Act, credit repair companies cannot request or receive payment until they’ve completed the services they’ve promised. To give you confidence and transparency, I do not require any payment for the first seven days while we review your credit reports and begin your improvement plan. Fees are only discussed after services are rendered and you’ve had a chance to see progress.