Remove negative items from all 3 credit bureaus with a plan built for life in Chicago, with the help of our team of credit experts. Serving clients throughout Cook County, the Collar Counties and nationwide.
Get StartedIf you are reading this, it is probably because you have this feeling:
You’re looking to buy your first condo or two-flat in a Chicago neighbourhood, and your credit report is the barrier standing between you and a mortgage approval.
You’ve been asked for a larger deposit or a co-signer on an apartment because of what’s showing on your report.
You have collections, charge-offs, repossessions or medical bills on your report that you believe are inaccurate or shouldn’t still be there.
A layoff, a seasonal slowdown or a hard winter of unexpected bills left marks on your credit that don’t reflect who you are today.
You’ve attempted to challenge things yourself, but the letters and phone calls have been leading nowhere.
With negative items on your credit report, our experts identify unfair, inaccurate or unverifiable entries and dispute them on your behalf with the credit bureaus and creditors.
We pull your entire credit report from all three bureaus and look for errors, duplicate accounts and stale items.
We challenge items like delinquent debts, medical collections, repossessions and charge-offs.
You don't have to spend your lunch break or your commute on hold with a collection agency, because we represent you.
We translate your report into plain English so you understand what each item means and what you need to do next.
Whether that’s finding a lease in the Loop, a home in the suburbs, a reliable vehicle, or funding your own business, we help you work towards your goals.
We discuss your situation and goals via phone, email or video and determine what is holding your score back.
We pull your reports from the three major credit bureaus and highlight any items that are inaccurate, outdated or unverified.
We put together a plan for you based on your report, whether that’s a specific cleanup or full credit building and funding support.
Our team disputes flagged items with the bureaus and creditors and monitors each case to resolution.
We assist you in building a positive credit history and keep you updated as your Client Success Manager (on applicable support plans).
Whether it’s a first home, a better lease or starting a business, your strategy is built around what you are actually working towards.
You receive regular updates and direct contact- no silence until the process ends.
We move beyond the deletion of negative items. We offer credit-building assistance and, for eligible clients, assistance in obtaining personal funding of $50K+ or business funding of $100K+.
Planning to buy or rent together? Our couple plans allow you and your partner to rebuild as a team for a better total price than individual plans.
Your case is handled by a full in-house team of dispute specialists, client success reps and a strategy team led by the founder, not some overworked agent.
We equip our Chicago clients with tools and knowledge to access money and build healthy financial habits without stress or confusion, so their money works for them.
Real results, Integrity and Education drive every client interaction.
Financials was founded by a financial educator who’s all about clarity and simplicity, not the same old tactics.
Our team includes a dispute team lead, client success reps and dedicated disputers who work on your case every day.
We are compliant with the Credit Repair Organisations Act (CROA), which means we have transparent contracts, your right to cancel within 3 business days, and we do not make false guarantees.
There’s a plan for every step, from targeted credit repair to support for personal and business funding.
|
Plan |
Starting At |
Best For |
|
Windy City 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 |
Book your free consultation and get clear, actionable steps on how to repair your credit report and achieve your financial objectives.
Could help. Getting rid of wrong negative items can help strengthen your mortgage application, but whether you are approved or not depends on the lender, your income, and your overall financial picture.
Often, yes. A cleaner report can improve your odds of approval and may reduce deposit requirements or the need for a co-signer, though landlords also look at income and rental history.
If any credit repair company promises you a score, that’s illegal, and you should stay away. What we can promise is a rigorous dispute process and ongoing support.”
No, we are a fully remote process, so you get the same support by phone, email, or video, no matter where you are in Chicagoland.