We fix what is holding your file back, then put you in front of the lenders who fund it. Personal credit, business credit, and real estate capital under one roof.
Pick one. Takes about 60 seconds and there is no credit pull.
We run all three in sequence, which is the only way the math actually works. Clean the file, position the profile, then place the capital.
Attorney-overseen dispute work under the FCRA and FDCPA. You only pay for what actually comes off.
A marketplace, not one bank. Startup loans, lines of credit, advances, equipment, and 0% card stacking.
Investor capital for people who buy property. Asset-based, so the deal carries more weight than your W-2.
The old model bills you $79 to $140 every month whether one item comes off or none do, and most of them want it before they have done anything. We do it the other way around. Nothing is due today. We pull your reports, deliver your written audit, and file round one. Then you are billed. Which track you choose should come down to the lender you are trying to satisfy, because they do not all forgive the same things.
Twelve months. You pay only for what comes off.
Built for buying a home to live in, an auto loan, debt consolidation, personal cleanup, or an investor whose lender underwrites the deal instead of the borrower. You have a target, a manageable list of accounts, and runway to work them properly.
Start with Pay Per DeleteSix months, intensive. Built to make you fundable.
Built for business owners headed to capital. Funding underwriting is the strictest room you will walk into, and a clean personal file is only half of what they score you on.
Start with MonthlyDifferent lenders forgive different things. A rental lender cares about the asset. A mortgage underwriter has published minimums. A business lender has neither, and a single derogatory can end the file. Pick your track by where you are going, not by what it costs.
| Where you are headed | What the lender actually scores | Recommended track |
|---|---|---|
| Buying a home to live in | Published minimums. FHA can go as low as 580, conventional generally wants 620 to 680. Targeted removals often get you over the line. | Pay Per Delete |
| Auto or personal credit | Tier-priced off the score. Moving up one tier is worth real money in rate, so a few strategic removals do the job. | Pay Per Delete |
| Real estate investor lending | DSCR and bridge underwrite the property and the exit. Credit sets your pricing, but derogatories are far less fatal than they are elsewhere. | Pay Per Delete |
| Debt consolidation or personal loan |
650 and up is the working benchmark. Some lenders will go lower depending on income and the rest of the profile, but 650 is where the good pricing starts. | Pay Per Delete |
| Business funding and lines | The strongest products want 680 to 700 plus with clean recent history, utilization under 40%, and few inquiries. Revenue-based advances will go lower, but you pay for it in the terms. Open derogatories end most files outright. | Monthly |
| 0% card stacking | The tightest box there is. 700 plus, low utilization, four or fewer inquiries, and a strong revolving mix. There is no talking your way around this one. | Monthly |
| Building business credit | Your personal profile has to be clean and your business profile has to exist. That is two builds running at once, not one. | Monthly |
Not sure which one? Do not guess. Your audit is free and it tells us exactly how many items are workable, which bureaus they sit on, and which ones the law actually supports challenging. We match that against where you are trying to get and tell you straight which track fits. Pay Per Delete costs less. If it is the right one for you, we will say so.
We cannot and do not guarantee that any specific item will be removed or that your score will rise by a specific number. No company legally can. What we guarantee is the work, the compliance, and the refund term above.
Your funding is priced off what your business actually deposits, how long you have been open, and where your credit sits. Plug in real numbers and the estimate updates as you type. No hard pull, no application, no email required to see it.
Fill in your numbers and your estimate appears here.
Get my real numbers →This is an estimate for planning purposes, not an offer, approval, or commitment to lend. Actual amounts, rates, and terms are set by the lender and subject to underwriting.
You should not have to know which product you need before you can ask. Working capital, equipment, 0% cards, fix and flip, DSCR, bridge, construction: it is all one file on our side. Tell us the numbers and the deal, and we tell you which door opens.
We are not a bank with one product and one box to fit in. We are a marketplace with a specialist attached. You tell us the profile, we tell you which door actually opens, and we walk it through underwriting with you.
| Program | Amount | Min FICO | What lenders want | Speed |
|---|---|---|---|---|
| Startup Loans | $25K – $250K | 650+ | $50K+ AGI, 3+ open tradelines, 5+ yrs history | 1–3 weeks |
| Business Advances | $25K – $500K | 500+ | 3+ months open, $10K+ monthly revenue. Collections and BK OK | 2–3 days |
| Lines of Credit | Up to $1M | 650+ | $25K+ monthly revenue, $5K avg daily balance, 10+ deposits | 1–2 weeks |
| Equipment Funding | $25K – $5M | 600+ | US vendor invoice, $35K+ net profit | 1–2 weeks |
| 0% Business Cards | $25K – $250K | 680–700+ | EIN and registered entity, utilization under 40% | 2–3 weeks |
| Personal & Consolidation | $20K – $150K | 650+ | Provable income, clean recent history. See consolidation → | 1–2 weeks |
No application fee, no consulting fee to see options. Select programs carry a back-end fee that is only due after you are fully funded.
We work on a soft pull system so your file is not getting hammered while we shop. Hard pull happens at funding, not before.
Your information is used to place your file and nothing else. It is never resold or recycled into a lead list.
Consolidation loans from $20,000 to $250,000, personal and business. But read the honest version before you apply anywhere: a consolidation loan is a lending product, which means a lender has to approve you. If your credit already carried you, you would have offers in your mailbox instead of tabs open at midnight. So let us sort you properly instead of running you into a decline and a hard inquiry you cannot undo.
You are the profile these loans were built for. One payment, a fixed rate, a real payoff date, two to seven year terms. Straightforward, and we can usually place it fast.
Applying again right now just buys another inquiry. Clear what is blocking approval, then consolidate at a rate worth having. For most people that is months, not years.
We will say what most places will not. Under $20,000 the rate and term rarely beat a focused payoff plan plus cleaning up what is dragging your score. We are not going to write one just because you asked.
| Program | Amount | Min FICO | What lenders want | Term |
|---|---|---|---|---|
| Personal consolidation | $20K – $150K | 650+ | Provable income, clean recent history, 3+ open tradelines | 2–7 yr |
| 0% balance transfer stack | $25K – $150K | 700+ | Utilization under 40%, four or fewer inquiries, strong revolving mix | Promo |
| Business debt consolidation | $25K – $250K | Varies | Revenue based. Built for owners stacked with multiple MCAs and daily debits | Varies |
Settlement companies negotiate your balances down. It sounds great on the radio ad. What they say quietly is that settled accounts land on your credit report and sit there for seven years, while your accounts go delinquent during the negotiation.
Seven years is a long time to be unable to buy a house, finance a vehicle at a decent rate, or get approved for business capital. You solve a payment problem and create an access problem. We do not offer it, we do not refer it, and we will tell you straight if someone is steering you toward it.
You are not stuck. We get clients out of these regularly, and most came to us months in, watching their score drop while creditors were still calling.
We will look at where you actually stand, what has been reported, what has not, and what your realistic path back looks like. No charge to find out.
Get me out of thisIf you are waiting on a conventional lender to understand your deal, you have already lost it. These programs underwrite the asset and the exit. Bring us the address and the numbers.
Up to 90% of purchase and 100% of rehab, subject to ARV. Interest-only, 12 to 24 month terms. Draw schedule on the renovation.
Qualify on the property's cash flow, not your tax returns. Single asset or portfolio. Cash-out refinance available.
Close fast on a stabilized or transitional asset, then refinance or sell. Built for auction, off-market, and 1031 timing.
Land plus vertical construction on a draw schedule. Single-family through small infill projects, with build-to-rent exits available.
Acquisition, value-add bridge, and permanent debt on 5+ unit and mixed-use assets. Sized off NOI and business plan.
Under contract and need to show you are real? We issue a proof of funds letter so you can write offers with confidence.
Leverage, rate, and term vary by borrower experience, market, asset, and program. Numbers shown are program maximums, not offers. Every deal is quoted individually.
We pull the full picture on a soft pull. Personal credit, business credit, revenue, and the deal if there is one. You get a written read on exactly what is blocking approval.
We work from your actual three-bureau report. If you do not have one, pull yours here for $1.99 and bring it to the call. We never ask for your login credentials.
If the file needs work, we work it. If it is already fundable, we skip straight to placement. Either way you know the timeline and the number before anything moves.
We take your profile to the lenders it actually fits and manage the file through underwriting. You are not chasing a portal or a call center. You have a person.
"I needed funding to exit my corporate job. Within a week I was approved and funded $115,000 on a monthly payment."
"Had a bankruptcy on my report for my garage door business. Banks said no. I got funded $97,000 with a single-digit APR and a monthly payment."
"Six months into a new liquidation business and we needed a cash injection. My bank said no. A week later we were approved and funded for $250,000."
"I needed a commercial loan that would not touch my personal DTI. Funded $90,000 in less than a week."
"New equipment for our sixth location. $137,000 equipment loan and we opened a few weeks later."
"Wanted to tap 0% lines for my e-commerce business. Secured $163,000 in three weeks."
You already have the client. They just are not approvable yet. Send them here, we do the work, and you get them back fundable with the relationship intact. You stay in the loop the entire time.
Yes. Disputing inaccurate, unverifiable, or outdated information on your credit report is a right granted to you under the Fair Credit Reporting Act. The Credit Repair Organizations Act governs how companies like ours can operate and what we are allowed to promise. Our dispute strategy is reviewed by an attorney, which is not the industry standard.
Never before the work is done. Nothing is due when you sign up. We pull your reports, deliver your written audit, and send round one of disputes first. Only then are you billed the $249 setup, and that applies to both programs.
After that it depends which track you picked. On Pay Per Delete you are billed $50 per item, per bureau, only after that item is confirmed removed, and deletion fees are capped at $600, so the absolute most this can ever cost you is $849 across the full twelve months. On the Monthly Program you are billed $149 per month in arrears, meaning after each month of work is completed, with no per-item charge and no round limit. That is $1,143 across six months.
Both carry the same rebate: no deletions means your setup fee comes back.
If a company asks you for money before they have done anything, walk. That is the exact practice that ended Lexington Law and CreditRepair.com.
Answer a different question first: who are you trying to get approved by? That decides it.
If you are buying a home to live in, financing a car, consolidating debt, or borrowing against an investment property, Pay Per Delete is almost always the right call. Those lenders publish minimums or underwrite the asset. You usually need a specific set of accounts cleared, not a full rebuild, and the twelve-month window gives us room to work them properly. It covers up to eight accounts and has a hard ceiling of $849, so it is the cheaper track and we are not going to pretend otherwise.
If you are going after business funding, lines of credit, or 0% card stacking, take the Monthly Program. That is the strictest underwriting you will face. The strongest products want 680 to 700 plus with clean recent history, utilization under 40%, and few inquiries, and open derogatories end most files on the spot. Monthly carries no account limit and no round limit, so your whole file gets worked, builds your business credit profile in parallel, and ends with a funding file review, because a clean personal report by itself does not get a business funded.
Your specialist runs this against your actual report on the audit call. Nobody here is paid more for putting you on the more expensive track.
No, and anyone who tells you otherwise is either lying or breaking the law. Outcomes depend on what is on your report, whether it is accurate, and how the furnisher responds. What we do guarantee is the work and the refund term: if we get zero deletions in six months, you get your setup fee back.
Because below that the numbers usually stop working in your favor. Once you account for the rate and the term, a smaller consolidation loan often costs more over its life than a focused payoff plan would. We would rather tell you that than write a loan that does not actually improve your position.
If you are under $20,000, talk to us anyway. There is almost always a better move and it costs nothing to hear it.
A consolidation loan is ordinary credit. You take a hard inquiry at funding and a new account appears, which can dip your score briefly. But paying off revolving balances usually drops your utilization sharply, and utilization carries real weight. Most people see the dip recover and then improve.
This is the opposite of debt settlement, where accounts go delinquent and settled marks sit on your report for seven years.
No. We do not offer debt settlement, debt negotiation, or debt relief, and we do not refer clients to companies that do. Settlement solves a payment problem by creating a seven-year access problem, which runs against everything else we do here. We either consolidate you now or we fix your file so you can be consolidated.
No. We are a marketplace with a specialist attached. A bank offers you one or two products and either you fit or you do not. We work across a wide lender network covering all types of credit and income profiles, so instead of a decline you get a redirect to the program that actually fits.
Not to see your options. We operate on a soft pull system so your file is not getting damaged while we shop. You only receive a hard pull at funding, when a specific lender is issuing a specific approval.
Nothing upfront. No application fee, no consulting fee. Our startup, debt consolidation, personal loan, and credit card programs carry a back-end fee that is only due after you are fully funded. If you do not get funded, you do not pay us.
This is the most misunderstood idea in business credit. Yes, you can obtain business credit cards using an EIN, but your SSN is almost always reviewed as well and a personal guarantee is usually required. Anyone promising true no-PG, EIN-only funding at scale is selling you something.
Program dependent. Revenue-based advances can fund in two to three days. Startup loans, lines of credit, and card programs typically run one to three weeks. Your specialist gives you a real timeline on the processing call, not a marketing number.
It is used to place your file and nothing else. We do not resell, rent, or recycle your data into a lead list. That is a firm policy, not a preference.
Free audit. No hard pull. No upfront fee. You either walk away with an approval path or a written plan to build one.