Our credit experts are ready to assist you with Tampa Bay's competitive and fast-paced housing market. We help residents of Hillsborough, Pinellas, Pasco, Manatee counties, and other states.
Get StartedTampa's Boom Rewards Strong Credit and Leaves Everyone Else Behind
Maybe you recently moved to Tampa Bay because of the job opportunities and more affordable cost of living, but found the cost of living was higher than expected because of higher home prices, rents and insurance.
Perhaps you are a first-time home buyer and/or are trying to compete against cash offers, out-of-town buyers, and people moving in. Your credit report is your last remaining opportunity to make a difference and improve your odds.
You or your spouse is on active duty and/or recently was, and the military moves left behind collections or old unpaid accounts.
You or a family member made payments, but the collections remain. Or perhaps there are collections for an account you never opened and/or errors on your credit report.
If you have collections, charge-offs and/or repossessions that do not belong on your credit report and/or other items that have no business being on your credit report, we can address each one with the credit bureaus and the creditors to have them removed.
We thoroughly examine each of your Equifax, Experian and TransUnion credit reports to locate duplicate or mixed files and accounts that ought to have been removed per the credit grantors' obligations.
We remove errors from medical collections, charge-offs, and repossessions.
We handle the letters and deadlines, so you don't have to. You can spend time on more important things, like work, family, and looking for a new home.
We’ll break down your report and show you what is important to the lenders.
You pick the goal, and we’ll help you reach it, whether that is a mortgage pre-approval, a new lease, or a car loan.
Reach out for your free consultation to let us know where you are and where you want to go. We will review your credit and let you know if there are items that can't be fixed or if we think credit repair is your best option.
Once you decide to work with us, we get your reports from all three bureaus and note everything that looks wrong or is beyond the reporting period.
Based on your report, we come up with a plan of what steps to take to get you the credit you need.
We challenge bad credit items and keep pushing until the item is removed or settled. We teach you to improve your credit and stay in touch as your Client Success Manager (on applicable plans).
We continue to help you add and strengthen your positive credit history and stay in touch as your Client Success Manager (on applicable plans).
Your goals have deadlines too. We create a plan around your deadlines, whether that is closing on a mortgage or leasing a new apartment.
You’ll get regular updates and talk to a real person, not be treated like a ticket number.
Plans include building credit, and eligible clients can have us help them with money requests of up to $50K or more and/or business money requests of up to $100K, which aligns with Tampa’s growing consultants, builders and small business owners.
Buying a home or signing a lease together? With our couple plans, you can work on your credit together as a team, instead of as individuals like with other plans.
Dispute experts, client success and a leader-led team work on your file.
We want Tampa Bay clients to feel in control of their money with direction instead of confusion and worry.
Above all else, we value, and take a teacher’s approach to, our results, integrity and education.
A teacher started Heads Up Financials and still leads the charge, as he believes credit repair should be done with integrity and transparency.
Dispute leads, client success reps and experts work on your files daily.
We stick to CROA by doing a written contract, a 3-business-day right to cancel and not making promises we can’t legally keep.
Serving clients in the Tampa Bay Area (St. Petersburg, Clearwater, Brandon, Riverview, Wesley Chapel, Lakeland, Largo and Sarasota) as well as clients around the USA.
Each plan below is tailored to a different starting point, from basic cleanup to funding-centric strategies.
|
Plan |
Starting At |
Best For |
|
Bay Area 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 a free meeting and leave with a plan made just for you, plus next steps to achieve it.
Removing bad items can improve a mortgage application, however the final decision is up to the lender, your income and all your money. Working on your application early gives disputes time to work before you submit.
We can address wrong items, repeated or cannot be verified. Inaccurate late payments cannot be disputed due to the circumstances, and we will be honest with you about what can and cannot be disputed. There may be additional rules for service members and active duty personnel that are protected by federal law, which you may also want to look into with credit repair.
No legitimate company can. The law stops credit repair companies from guaranteeing results. We guarantee the dispute process and our assistance throughout that process.
No. We will assist you over the phone, email or video, no matter where you are in the Tampa Bay area.