Try to fix information on all three credit bureaus and get a plan that matches the way people live near the beach from our group of credit experts. We help people in Huntington Beach, the Orange County area and clients all across the country.
Get StartedIf you’re here reading this, it’s probably because you feel this way:
You were turned down for a place to live near the beach. You were told you need a bigger deposit or a co-signer because of what is on your credit report.
You work in hotels, tourism, shops or a business that only works part of the year and a slow time of year left payments or collections behind.
You. Manage a small business like a surf shop, a coffee shop or a service company and your personal credit is holding back your business financing.
Collections, bills, things that were taken back or medical bills show up on your report that look wrong, repeated or too old to be there.
You tried to challenge the items yourself. The answers were not clear and your credit report changed very little.
If your credit report includes entries that don’t belong, our specialists review each one and challenge it with the bureaus and the original creditors.
We read your reports from all three credit bureaus looking for mistakes, repeats and things that should not be there anymore.
We challenge accounts that are not paid, collections, things that were taken back and unpaid bills through official challenges.
We handle all the letters, deadlines and check-ins so you can focus on work, family or being outside.
We explain your report using words so you know which parts are important and why.
We keep your goals in focus whether that is getting approved for a place to live getting money for a car or preparing to buy a home in Orange County.
Tell us where you are and what you want to achieve. We will give you a look at what is lowering your score.
We get your reports from Equifax, Experian and TransUnion. Mark everything that looks wrong, too old or not real.
You get a recommendation based on your report from a simple cleanup to a full rebuild with help to get money.
We send challenges, track every response and keep working on each case until it is fixed.
We help you add information and stay in touch as your Client Success Manager (on plans that include this help).
If your income goes up and down with the seasons we create habits and a plan that work even when times are slow.
You get reports on progress and real answers from a real person.
Our plans include building credit and eligible clients can get help to get money of $50K or more or business money of $100K or more which is good for local business owners.
If you are renting, buying or starting a business with a partner our plans let you work on credit together for two separate plans.
Dispute experts, customer service staff and a group of leaders, not one person who is overworked.
We want people in Huntington Beach to understand their money enough to make smart choices with clear help instead of jargon and stress.
Results, honesty and learning shape every conversation we have with a client.
Heads Up Enterprises was started by a person who helps others with money and believes credit help should be clear, simple and honest.
Dispute leaders, customer service staff and people who focus on fighting credit issues work on reports like yours every day.
We follow the Credit Repair Organizations Act (CROA) which means written contracts, a 3-business-day right to cancel and no promises we can't legally make.
Serving clients across Orange County, including Fountain Valley, Costa Mesa, Newport Beach, Seal Beach, Irvine, and Long Beach, as well as clients nationwide.
Every plan below is designed for a different stage, from straightforward cleanup to funding-focused strategy.
|
Plan |
Starting At |
Best For |
|
Surf 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 |
Schedule a free consultation and leave with a personalized plan and clear next steps toward your financial goals.
Late payments that are correct can't be removed because of the situation.. Many reports also have mistakes, repeats or things that can't be confirmed and those are worth fighting. We check your report to see what can be challenged and tell you honestly what can't.
It can help with any old personal items on your report. Our Empire Plan also deals with business credit so your company can qualify for money on its own.
No. No real company can. Federal law stops credit repair companies from promising results. We promise a challenge process and regular help.
Not at all. Everything is handled by phone, email, or video, wherever you are in Orange County.