Are you a hard-working resident of Orlando or Central Florida trying to improve your credit? Do you feel stuck? We are here to help.
Get StartedOrlando actually earns and spends from our credit specialist team. We cover all of Orlando, including Orange, Seminole, Osceola and Lake counties, and beyond.
If you are reading this, it is because you feel one or more of the following:
You work at a resort or restaurant, an attraction or a convention venue, and during the off-season, a couple of missed payments ended up on your report.
You moved to Central Florida for a job or a fresh start, and your credit history carries things you left behind.
You can't find an affordable place to rent. Your credit report determines if you get to see the inside of an apartment.
You have collections, charge-offs and repossessions on your report that are not yours and look wrong.
You have attempted to make changes to your credit report on your own. Nothing changed because the bureaus sent you form letters.
When your report contains entries that do not belong we examine each one. Press the bureaus and original creditors for proof.
We examine every questionable item on your report. We pressure the bureaus and the original creditors for proof.
We look for mistakes, duplicates, and mixed-up personal info on your Equifax, Experian and TransUnion reports. We find accounts that should not be reported.
We file disputes for debts, medical collections and charge-offs.
We take care of the follow-ups and paperwork, so you don't have to write letters after work.
We decode credit jargon so you know what factors impact your score.
We keep the end goal in mind: an apartment, a reliable car, a first home in the suburbs or startup capital.
Tell us your circumstances and goals. We will be honest about what is negatively impacting your score and if it is worth repairing.
We obtain all three of your credit reports and mark entries that are inaccurate, outdated or unverifiable.
Based on your credit report, we make a recommendation for a focused cleanup or complete rebuild and offer funding if necessary.
We challenge outdated or inaccurate credit report entries and monitor responses to push for a positive outcome continually.
We help you build and/or add positive credit history and serve as your Client Success Manager to help you stay on track (on select support plans).
We provide tips to help you establish even payment habits when your paycheck amount is not even.
You will get progress updates and be able to talk to a real person, not be reduced to a ticket number.
Additionally, clients may qualify for credit building, funding of $50,000 or more, or business funding of $100,000 or more, all of which suit Orlando’s side-business owners, vacation rental hosts, and independent contractors.
Moving in together? Buying a house? Starting a business together? Our couple’s packages let you work on your credit, side by side, for more than two individual plans.
Dispute specialists and client success reps work your file, along with a founder who strategically leads the group.
Help Orlando clients take control of their money. Forge clarity and confidence in their place of credit and finance chaos and worry.
We believe education, integrity and results fuel our work for every client. Founder-Led: Heads Up Financials was founded by an educator. He believes credit education should be straightforward, simple and honest.
A team of dispute leaders, client success reps, and dedicated disputers fuel our work.
We work within the Credit Repair Organizations Act (CROA). This means we provide clients a 3-day right to cancel, written contracts and promises regarding results. We can not, however, guarantee results.
Serving clients across Central Florida and beyond, as well as nationwide.
Each plan is individually crafted to meet different needs, from a simple cleanup to a more comprehensive strategic funding-focused plan.
|
Plan |
Starting At |
Best For |
|
City Beautiful 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 |
Get a personalized plan, goals, and action steps at your free consultation.
Accurately reported late payments cannot be removed. Reports contain numerous errors, duplicates, and items that cannot be verified, and those items are worth challenging. We review your report and will give you an honest opinion regarding what is and is not disputable.
It can help eliminate any outdated personal items on your report. Our Empire Plan also covers business credit, so side businesses and rental ventures can be financed on their own.
No. No legitimate company can. Federal law prohibits credit repair companies from guaranteeing results. We guarantee a dispute process and consistent support.
No. Everything is done remotely. Our team handles everything over the phone, email, or video, and is located throughout Central Florida.