Full credit audit
Line-by-line review of all three bureau reports to find every inaccurate, unverifiable or outdated item dragging your score down.
Immokalee, Florida · Nationwide clients
We clean credit.
You win.
Fresh Credit Consulting challenges the inaccurate collections, late payments and charge-offs holding your score down — and rebuilds your profile so lenders say yes.
- +87 pts
- Average score lift
- 4,100+
- Items challenged
- 30 days
- To first deletions
Collection deleted
Experian · Round 2
What we do
Everything your file needs, handled in one place
Dispute & challenge work
Bureau and furnisher challenges on collections, charge-offs, late payments, repossessions and identity errors — documented and tracked.
Score optimization
Utilization strategy, account mix and payment sequencing so your score climbs while the deletions process runs.
Credit coaching
One-on-one sessions on how scoring really works, so the results you get with us stay after the program ends.
The process
Four steps from stuck to approved
- 01
Free consultation
A 20-minute call to hear your goal and pull the picture together. No cost, no credit pull.
- 02
Audit & game plan
We map every negative item, flag what's challengeable, and give you a written plan with a realistic timeline.
- 03
We go to work
Challenges go out in rounds. You get status updates and a client portal you can check anytime.
- 04
Fresh start
Deletions land, your score climbs, and you walk into your lender with a clean file.
Client results
Real files, real approvals
"Nine items gone in four months and my score went from 561 to 688. We closed on our first house in August."
"They explained every round before it went out. No guessing, no dodging calls. That alone was worth it."
"Got my business file to where two lenders competed for my equipment loan. Completely different position now."
Questions
Before you call
Free consultation
Let's see what's actually on your report
Most people are carrying items that don't belong to them, are past reporting age, or were never properly verified. We'll show you exactly what we find and what it takes to clear it.
- Same-week appointments
- Plain-English explanation of every item
- Written plan you keep either way
Prefer to talk now? (239) 357-0966
Book your free credit audit
Tell us where you're at. We'll review your report and map out the fastest route to a clean file.
Get my free auditNo credit pull. No obligation. Your info stays private.