Services
Five connected service areas covering credit, funding and the preparation that sits between them.
Service 01
Credit Consulting & Profile Improvement
We begin with a comprehensive review of your credit reports and overall financial profile. We identify inaccurate, incomplete or unverifiable information and develop a structured strategy addressing disputes, utilization, account mix, reporting history and funding readiness.
- Full three-bureau report review
- Identification of inaccurate, incomplete or unverifiable items
- Structured dispute process, managed on your behalf
- Utilization, account mix and reporting-history strategy
- Progress updates as items are resolved
Where it is relevant to your situation, the review also extends beyond the three main bureaus:
- Secondary consumer-reporting agencies
- Banking-history consulting
- ChexSystems and Early Warning Services review
- Personal-information and employment-history review
- Funding readiness and application sequencing
Accurate, current and verifiable information cannot be removed from a credit report, and you are entitled to dispute inaccurate information yourself at no cost. We will tell you plainly which items fall into which category.
Service 02
Business & personal funding
Funding guidance for entrepreneurs, small-business owners, startups and individuals. We look at what your profile supports today, which funding routes fit, and what needs to be in place before you apply.
- Business and startup funding options
- Personal funding solutions
- Strategic funding planning for growth and expansion
- Guidance on sequencing applications
Service 03
Authorized tradelines
Access to authorized user tradelines, with a clear explanation of how they report, what effect they can have on a profile, and the situations where they are and are not the right tool.
- Authorized user tradeline access
- Plain explanation of how tradelines report
- Honest assessment of fit for your profile
Service 04
Credit profile optimization
Disputes are only part of the picture. Optimization looks at the factors that shape how a lender reads your profile: utilization, the mix and age of accounts, and how balances and limits are reporting.
- Utilization review and guidance
- Account mix and profile structure
- Reporting detail and timing considerations
Service 05
Financial guidance & funding readiness
Preparation before you apply. We work through documentation, business structure and timing so that when you do approach a lender, you are doing it from the strongest position available to you.
- Funding readiness assessment
- Documentation and structure guidance
- Credit education and financial literacy support
- Timing and sequencing advice
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Not sure which service you need?
That is what the consultation is for. We will look at your profile and tell you which of these actually applies to your situation.