How It Works

1 

ASSESS

At Credit Consultant Services, our credit restoration journey begins with a personalized credit report review. During this initial step, we thoroughly assess all three of your credit reports to identify negative items, inaccuracies, outdated accounts, and factors that may be affecting your score. We look for late payments, collections, charge-offs, inquiries, and more — while also evaluating your credit utilization, length of credit history, and overall credit mix.

This detailed review allows us to create a customized action plan tailored specifically to your situation.

2

ADVISE

The Credit Consultation serves as the foundational step in your credit renovation process. During this consultation, a dedicated Certified Credit Consultant will offer expert advice on the most effective and realistic approaches to help you achieve your credit goals.

4

AUDIT

Our credit consultants provide a thorough line by line credit report review of your credit reports to detect any inaccuracies or questionable items that should be challenged with the credit reporting agencies. Then, a personalized Plan of Action Report will is created on your behalf to identify what’s weighing your credit report down and hindering you from gaining credit access.

3

ACTION

When you commit to our comprehensive Credit Restoration service package, you empower our dedicated team to thoroughly investigate and challenge any discrepancies present on your credit report. We take on the responsibility of being your advocate, engaging directly with credit bureaus, collection agencies, and creditors to ensure that every aspect of your credit report is not only accurate but also fully compliant the law. Our goal is to support you in achieving a fair and precise representation of your credit history.

5

APPROVE

Once Credit Consulting Services completes your credit restoration, you’ll be in a stronger position to get approved for things that were once out of reach. That includes credit cards with better limits, lower interest rates, and even rewards. You’ll also qualify for auto loans with more affordable payments and mortgage options like FHA, VA, or conventional home loans. Rental approvals become easier, often without needing a co-signer, and you can say goodbye to large deposits on phone plans. With a restored credit profile, you may also gain access to personal or business loans and enjoy lower insurance premiums. Simply put, we help turn your “denied” into “approved.”