Create a Houston life plan with the help of our team of credit experts. Remove negative items from all 3 credit bureaus. Trusted by clients in Harris County, Fort Bend County, and across the nation.
Get StartedIf you’re reading this, you probably feel this way:
You recently moved to Houston for work, school or family, and a landlord or lender is questioning your credit history.
If you're a first-time homebuyer, every point of your score can count in a qualifying market.
You work in healthcare, logistics, construction, or the gig economy, and an irregular income stretch has taken a toll on your report.
You have collections, charge-offs, repossessions or medical bills on your report that you believe are inaccurate or should not be there anymore.
You have tried to dispute items yourself, but the letters and phone calls were unproductive.
If you have negative items on your credit report, our experts will find items that are unfair, inaccurate or unverifiable and challenge them with the credit bureaus and the creditor on your behalf.
We pull your full credit file from each of the three bureaus, looking for errors, duplicate information and stale data.
We dispute past-due debts, medical collections, repossessions and charge-offs.
We work on your behalf so you don't have to deal with the paperwork, deadlines and phone calls yourself.
We break down your report in plain English so you understand what each item means and why it matters.
We help you work towards your goals, whether that’s a first apartment, a first house, a car or a business.
We review your situation and goals by phone, email or video, and identify what’s holding your score back.
We pull your reports from all three bureaus and highlight each item that is inaccurate, outdated, or unverifiable.
We develop a plan based on your report, whether it’s a targeted cleanup or full credit building and funding support.
We challenge the flagged items with the bureaus and creditors, and follow through on each case.
We help you build a positive credit history, and we’re with you as your Client Success Manager (on select support plans).
A new arrival with a thin file needs a different strategy than a longtime resident with old collections, and we build yours around your report.
You get regular updates and direct contact, not silence until the end of the process.
We don’t just remove negative items. We offer credit-building support and can help you qualify for $50K+ in personal funding or $100K+ in business funding.
Are you buying a house or signing a lease together? Our couples plans allow you and your partner to recover together at a better overall price than if you had separate plans.
You’re not just assigned to one overwhelmed agent, but an entire in-house team of dispute specialists, client success reps, and a founder-led strategy team.
We help Houston clients simplify their finances with tools & knowledge to access money and build strong financial habits without stress or confusion.
Every client interaction is guided by real results, integrity and education.
Heads Up Financials was founded by a financial educator who wanted to provide clarity and simplicity, not the same old tactics.
We have a dispute team lead, client success reps and dedicated disputers that work on your case every day.
We work under the Credit Repair Organisations Act (CROA), with clear contracts, your right to cancel within 3 business days, and no false promises.
There’s a plan for every step, from targeted credit repair to support for personal and business funding.
|
Plan |
Starting At |
Best For |
|
Lone Star 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 today and get real steps that you can take to fix your credit report and reach your financial targets.
Yes. Your credit report is national, so anything negative on it will follow you across state lines. Moving doesn’t clean them up, but a repair plan can fix any inaccuracy or out-of-dateness, regardless of how it got there.
It might help. While you can help your mortgage application by removing false negative items and improving your report, it is ultimately the lender and your overall financial situation that will decide if you are approved.
If any credit repair company promises you a score, that’s illegal, and you should stay away. What we can promise is a thorough dispute process and ongoing support.”
No, our process is 100% remote, so you’ll receive the same support by phone, email or video, regardless of where you are in the Houston area.