Credit Report Repair Services

An Inaccurate Credit Report Follows You Everywhere

There is a good chance you are here because you feel this way:

You've likely come here because of this feeling
You've been denied a loan, card, or apartment because of a section of your report you're certain is incorrect.
Your credit report may include collections, late payments, or accounts you don't recognize or believe have been reported correctly.
Each point that your score loses results in higher interest, larger deposits, or outright denial.
You have attempted to contact the bureaus; however, you were left even more frustrated as disputes yielded no results.
A flawed credit report should not restrict your financial opportunities; however, it is currently doing just that.

What You Can Expect From Our Credit Report Repair Service

What we do for our clients is challenge items that do not belong in our clients’ credit reports.

We examine your credit report from all three credit bureaus and document any inaccuracies, outdated information, or items unverifiable.
We prepare and submit formal disputes for collections, late payments, charge-offs, repossessions, and reporting errors.
We follow up with the bureaus and furnishers and ensure that nothing is left to chance.
We eliminate the frustration for our clients by professionally and timely managing the mail and phone calls on their behalf.
We give you an update on the challenges we’re facing, the progress we’re making, and what comes next.

How Credit Report Repair Works With Heads Up Financials

1

Free Consultation

We take the time to teach you about your credit and the items that you may want to pursue for removal or improvement.

2

Full Report Review

We request and combine all three credit bureaus' reports and provide you with accurate and unverified items for immediate dispute.

3

Custom Plan & Package Match

We formulate and recommend a report repair plan based on the potential items for removal. This may include a targeted removal of items or a comprehensive repair plan.

4

Dispute Filing & Follow-Up

We complete and submit the dispute member by member, and track each of the items to resolution.

5

Results & Ongoing Monitoring

We provide you with the results for the items that have been corrected or removed, and provide you with ongoing support and monitor your report for items that are removed that then reappear with our Client Success Manager on applicable support plans.

Why Clients Choose Heads Up Financials

Personal Guidance

Every plan is built specifically around the items on each client’s credit report.

24/7 Support

Unlike most other Credit Repair firms, we ensure you are never left without support.

Beyond a One-Time Fix

Our goal is to assist clients with obtaining funding between $50,000 and $100,000 or more.

Individual & Couple Plans

We keep prices low for families.

Experienced, Dedicated Team

Our full in-house team of dispute specialists, client success representatives, and a founder-led strategy team works on your case, rather than assigning it to a single overburdened agent.

Built On Integrity, Education, and Real Results

Our Mission

We help clients reduce the complexity of their finances by providing knowledge and helping clients to rectify their credit reports and advance with assurance.

Our Core Values

Education and Real Results serve as the foundation of every client interaction.

Founder-Led Strategy

Heads Up Financials was conceived by a financial educator who focused on clarity and simplicity, as opposed to tired techniques.

Dedicated Specialist Team

Our team includes a dispute team lead, client success reps and report specialists who work on your account daily.

Compliant Process

We base our operations on the Credit Repair Organizations Act (CROA), fully disclosed contracts, your right to cancel within 3 business days, and no false promises.

Find the Plan That Fits Your Credit Report Journey

We have a plan for each level of credit report remediation, from concentrated cleanup to complete report rebuilding and funding support.

Plan	Starting At	Best For
Clean Slate Plan	$550 (Reg. $1,000)	Correcting inaccurate items across all 3 bureaus
Oasis Plan	$1,560	Report repair plus credit-building and 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

See All Packages

Get Your Free Custom Report & Personalized Credit Repair Plan

Book your free consultation to get personal resources to fix your credit report and help you achieve your financial targets.

Credit Repair Frequently Asked Questions

Is credit repair worth it?

If your report has any items listed that are inaccurate, outdated, or unverifiable, then credit repair is worth the investment. It can improve your odds of approval for loans and can even improve the terms of your loans.

How long does credit repair take?

The length of time it takes for your report to be repaired depends on the number of items being disputed and how quickly the bureaus and furnishers respond. Most of our clients see progress during the first couple of billing cycles, with better results in 3 months.

Will this help increase my score by a specific amount?

It is illegal for credit repair companies to guarantee a specific score increase, so you should be leery of any company that does offer this service. What we can guarantee is the best credit disputing services along with our continuous support and service.

What is the difference between credit report repair and credit counseling?

Credit report repair helps clients challenge incorrect credit report items through the dispute process. Credit counseling helps clients focus on developing and managing their budgets and their overall debt load. Several clients come to us needing both services, and we help you determine what your situation calls for.

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Credit Report Repair Services That Correct What's Holding You Back