If you want to buy a home and the bank said no, if you think your score is damaged forever, or if you consolidated and nothing changed, there's a path. A real one. Real timelines, no magic promises.
01
The bank told you your score is low, DTI is off, or you need more history. We work it step by step until the answer becomes yes.
02
Charge-offs, collections, score below 580. They told you there was nothing left to do. There almost always is, no one explained the plan.
03
They sold you consolidation as a magic fix and your credit is the same or worse. We recover what can be recovered and rebuild what's missing.
01
We review Equifax, Experian, and TransUnion. Every account, every note, every date.
02
Dispute strategy, strategic payments, and rebuilding tied to your real goal.
03
Disputes, negotiations, monitoring. You see the progress.
04
Strategic lines that raise score without breaking it again.
First movements usually appear in 30 to 90 days depending on what's on your report. Complex cases (post-consolidation, multiple charge-offs) need 6 to 12 months for solid results. We give you a real timeline from day one.
No. Anyone who guarantees an exact number of points in X months is lying. What I do guarantee is transparent process, constant communication, and legal strategy, results also depend on what's on your report.
It depends. Sometimes yes, sometimes you have to negotiate first, sometimes there are debts you shouldn't even pay because they've expired or are misreported. That's why analysis comes first.
Not always, but many people enter consolidation programs without understanding the impact on their score. If you're thinking of consolidating, talk to me first. There are other paths.
Depends on the case. We give a plan with clear costs before starting. No surprises, no hidden fees.
Book 30 minutes. We review your real report and I show you what can be done in your specific case.