Our team of credit specialists will provide you with a strategy tailored to Bay Area life and challenge inaccurate items with all 3 credit bureaus. Serving San Francisco, the Peninsula, the East Bay and clients nationwide.
Get StartedIf you are reading this, it’s probably because you feel this way:
You were laid off, or your startup ran out of runway, and you had missed payments that never reflected your real track record.
Landlords all over the city want strong credit on top of proof of income, and your report is costing you apartments.
You're putting business expenses on personal cards while building something of your own, and now the balances and late marks are limiting your choices.
Collections, charge-offs, repossessions or medical bills on your report look wrong, are duplicated or are too old to still be on there.
You disputed yourself, but got vague replies, and nothing changed on your report.
If there’s something on your credit report that shouldn’t be there, our specialists will review each item and dispute it with both the bureaus and the original creditors.
We review your reports from all three bureaus line by line, searching for inaccuracies, duplicates and entries outside their reporting window.
We dispute delinquent accounts, medical collections, repossessions and charge-offs via formal disputes.
We handle the back-and-forth so you can concentrate on your job, your company or your family.
We break down your report in plain English, so you know what items matter most, and why.
Whether it’s qualifying for a lease, financing a car or getting capital for your next venture, we keep your goals in view.
Let us know where you are and where you want to be. We’ll give you an honest read on what’s dragging your score down.
We pull your reports from Equifax, Experian and TransUnion and flag anything that looks wrong, old or unverifiable.
Based on your actual report, you get a recommendation ranging from a targeted cleanup to a complete rebuild with funding assistance.
We file disputes, track responses, and pursue each until resolved.
We help you add positive history and stay in touch with your Client Success Manager (on applicable support plans).
Whether you get paid a salary, equity, contract work, or founder pay, lenders see these all differently, and we customize your plan accordingly.
Expect regular progress reports and real answers from a real person.
We’re also into credit building, and for qualifying clients, we help you pursue $50K+ in personal funding or $100K+ in business funding. It’s great for founders and independent professionals.
Planning to rent, buy or start a business with a partner? Our couple plans allow you to work on your credit for less than two separate plans.
Dispute specialists, client success reps, and a founder-led strategy group – not a single stretched-thin agent.
We want San Francisco clients to feel confident about their finances, understanding them well enough to make good choices with clear guidance instead of jargon and stress.
Real results, integrity, and education are the foundation of every client conversation.
Heads Up Financials was founded by a financial educator who believes credit help should be clear, simple, and honest.
Dispute leads, client success reps, and dedicated disputers work every day on files like yours.
We follow the Credit Repair Organisations Act (CROA), which means written contracts, a 3-business-day right to cancel and no promises we can’t legally make.
Every plan below is designed for a different stage, from straightforward cleanup to a funding-focused strategy.
|
Plan |
Starting At |
Best For |
|
Golden Gate 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 walk away with a customized plan and clear next steps towards your financial objectives.
Accurate reporting of late payments generally cannot be removed just because of the circumstances. But many reports also have errors, duplicates, or unverifiable information, and these are worth challenging. We review your report and identify what is realistically contestable and tell you straight up what’s not.
It can help correct any incorrect or outdated personal information on your report. Our Empire Plan includes business credit for founders as well, so your company can qualify for financing on its own down the road.
No, and no reputable company can. Federal law prohibits credit repair companies from promising results. We guarantee a full dispute process and continuous support.
Not at all. Everything is done over the phone, email or video, anywhere you are in the Bay Area.