Credit restoration is the process of improving a person’s credit profile by addressing negative items on their credit report. This involves identifying errors, disputing inaccuracies, and implementing strategies to rebuild credit and boost credit scores.

▫️Credit Report Review – We analyze your credit report to identify errors and negative items.
▫️Dispute Inaccuracies – We challenge incorrect or unverifiable information with credit bureaus.
▫️Debt Management – Strategies to reduce balances, negotiate settlements, and improve credit utilization.
▫️Credit Building – Guidance on using secured cards, credit-builder loans, and responsible credit habits.
▫️Ongoing Monitoring – We track progress, provide financial education, and help prevent future issues.

▫️Lower Credit Score – Late payments, charge-offs, and collections reduce your score.
▫️Higher Interest Rates – Lenders view you as a higher risk, leading to costly loan terms.
▫️Loan & Credit Denials – Negative accounts can make it harder to qualify for credit.
▫️Long-Term Impact – Most negative items stay on your report for 7 years, except bankruptcies (7–10 years).
▫️Reduced Creditworthiness – Negative marks signal financial instability to lenders.

▫️Minor Issues (Late Payments, High Utilization) – 1 to 3 months with consistent on-time payments and debt reduction.
▫️Moderate Issues (Collections, Charge-offs, High Debt) – 3 to 6 months with disputes, settlements, and credit-building strategies.
Severe Issues (Bankruptcies, ▫️Foreclosures, Repossessions) – 12+ months, as these items remain for 7–10 years, but their impact lessens over time.

With proactive strategies, many clients see improvements within 3–6 months.

It’s best to start restoring your credit at least 6–12 months before purchasing a home.

▫️Initial Business Credit Setup – 30–90 days (Registering your business, getting an EIN, DUNS number, and opening business accounts).
▫️Establishing Trade Lines – 3–6 months (Using net-30 vendor accounts and making timely payments).
▫️Building Strong Business Credit – 6–12 months (Maintaining good payment history and diverse credit lines).
▫️Accessing Funding – Some lenders offer funding within 3–6 months, while larger loans and credit lines may require 12+ months of credit history.

With the right strategy, businesses can access initial funding within a few months and qualify for larger financing within a year.