Credit Repair Services | Heads Up Financials

Bad Credit Blocks More Than It Follows You

If you're here reading this, it's probably because you feel this way:

You've had credit applications denied.
You have collections, charge-offs, repossessions and medical bills that you believe should not be on your credit report, and possibly not accurate as well.
Each decrease in your credit score means putting more money down or not getting approved at all.
You tried doing disputes, but the process was a nightmare, and the outcome was always the same - denied.
Bad credit affects more than just approval; it costs you in interest and deposits.

What You Can Expect From Our Credit Repair

When your credit report has negative items, our credit experts identify negative, unverifiable items as unfair on your credit report and send dispute letters to the credit bureaus to investigate on your behalf and to your creditors.

We analyze your full credit report to negotiate against negative items and locate errors.
We dispute items such as delinquent debts, derogatory medical collection items, and collections, repossessions, and charge-offs.
We act as your representative and contact the bureaus and the creditors dealing with you, so you don't have to deal with the lengthy paperwork and calling them yourself.
We educate you on how to improve your credit scoring habits so you are prepared for the future.
We help you achieve your goals, whether that is purchasing a home or a car or starting your own business.

How Credit Repair Works With Heads Up Enterprises

1

Free Consultation

We perform a free review of your current situation and goals and identify the issues holding your credit score back.

2

Credit Report Audit

We perform a credit report audit where we pull your reports from all three credit bureaus, and we note any negative items on your report that are inaccurate, outdated, or unverified.

3

Custom Plan & Package Match

We provide you with a custom plan based on your report. This may be to clean a credit report or to assist you in complete credit building and funding support.

4

Active Disputes & Negotiation

Our staff takes on the negotiations for you and actively disputes all items with the credit bureaus and creditors.

5

Rebuild & Monitor

We assist you with building and maintaining your credit by establishing positive credit history and remain in contact as your Client Success Manager (on applicable support plans).

Why Clients Choose Heads Up Enterprises

Personal Guidance

We provide personalized service. We create a unique plan custom to you and your goals.

Real Support, Every Step

You get significant updates and direct contact, not silence before you achieve results.

Beyond Repair Rebuilding

We go beyond eliminating negative items. Our plans include helping you build your credit, and for qualifying clients, we help you obtain personal funding of $50K+ or business funding of $100K+.

Individual & Couple Plans

Repairing credit as a team? We offer packages for couples to help you and your partner rebuild your credit as a team at a better overall price than individual rebuilds.

Experienced, Dedicated Team

A full in-house team of dispute specialists, client success reps, and a founder-led strategy team works your case, NOT a single overloaded agent.

Built On Integrity, Education, and Real Results

Our Mission

We are focused on helping clients simplify their finances, providing essential tips and tools to access money and develop good financial habits.

Our Core Values

Real results, Integrity, and Education guide every client interaction.

Founder-Led Approach

Heads Up Financials was founded by a financial educator, focused on clarity and simplicity, not the same old tactics.

Dedicated Specialist Team

Our team includes a dispute team lead, client success reps, and dedicated disputers who work on your case daily.

Compliant Process

We operate within the Credit Repair Organizations Act (CROA) — transparent contracts, your right to cancel within 3 business days, and no false guarantees.

Location

Based in Atlanta, GA, serving clients nationwide.

Find the Plan That Fits Your Credit Journey

Recommended Plan

Phoenix Plan

550.00

There's a plan for every step of your credit journey, from targeted credit repair to support for personal and business funding.

Plan	Starting At	Best For
Phoenix Plan	$550 (Reg. $1,000)	Removing negative items across all 3 bureaus
Oasis Plan	$1,560	Credit repair + credit-building + funding guidance up to $50K
Empire Plan	$2,560	Personal + business credit, LLC setup, funding up to $100K
Guardian Sweep	$3,000	Aggressive dispute campaigns for severe derogatory items
Ascend Mentorship	$5,000	1-on-1 mentorship, credit + business strategy, funding up to $150K
Dynasty VIP	$7,500	White-glove service for entrepreneurs scaling wealth

Couple packages are offered for the joint Credit repair and rebuilding of partners.

Get Your Free Credit Repair Custom Report & Plan

Book your free consultation to gain clear, actionable steps to repair your credit report and meet your financial goals.

See All Packages

Credit Repair FAQ's

Is credit repair worth it?

If your credit report contains inaccurate items that are either outdated, unverifiable, or invalid, then credit repair can be extremely valuable for you. It saves you the time and headache of individual disputes and can help you qualify for various loans, gain approval for housing, and receive better terms on your loans due to improved interest rates.

How long does credit repair take?

Negative items on your report determine the timeline of the repair and, equally so, the responsiveness of the bureaus/creditors when addressing disputes. The majority of clients see progress within the first few billing cycles, with more noticeable results after a few months.

Will this increase my score by that much?

It's illegal for credit repair companies to give score guarantees. You should probably avoid companies that do. What we can guarantee is a complete dispute process and our continued support.

What's the difference between credit repair and credit counselling?

Credit repair is about the removal of inaccurate items from your credit report through the dispute process. Credit counselling is about your budget and managing your debt. Many need both, and we can assess your case to see which is best for you.

Book Your Free Consultation

Credit Repair Services That Actually Rebuild Your Future