Your credit score is a three digit number that is calculated based on your credit history such as credit cards, loans, and mortgage history that is used to predict the likelihood that you will default on a debt.

You control 550 points out of 850.  Your credit score is calculated by the following breakdown:

• 35%- On time payments (192.5 points)
• 30% Credit Utilization (155 points)
• 15% Credit Age (82.5 points)
• 10% Credit Mix (55 points)
• 10% Inquiries ( 55 points)

This means to improve you score, you should pay all your bills on time, pay down credit cards to know more than 1-9% reporting, keep positive statuses on all your current accounts, have a good mixture of credit account types and not apply for new credit that you do not need.

The answer is, it depends.  Each person’s credit profile and situation is different.  There is not a one size fits all approach and we do a great job tailoring a plan specific to you.  You should steer clear of advertisements from companies that suggest they have “guaranteed” results in 30 days.  Those claims are actually a direct violation of the laws that govern Credit Repair Organizations and call to question what else the company may be doing that is unlawful and could harm you as a consumer. The average time for our clients range from 4-9 months but your time could be less or more, depending on your credit profile and goals.

No.  It is impossible to know how each of your creditors and the creditors will respond to challenges on your particular report.  What we can guarantee is that all negative, incorrect, inconsistent and/or incomplete accounts on your credit report will be challenged based on compliance to all Federal and States laws that protect you as a consumer.  On average, most clients see a 50-100 point increase across the bureaus but this number could be more or less, depending on your credit profile.

Personal credit is tied to your Social Security number and reflects your individual financial behavior, while business credit is linked to your company’s EIN and tracks your business’s financial reliability. Keeping them separate allows your business to build its own financial profile, which can open up more funding opportunities without relying on your personal credit. Both types of credit play important roles depending on your goals. If you're building a business, establishing business credit early can help protect your personal finances. Our credit and fundability services help guide this distinction clearly.

Many programs focus only on sending disputes, but we take a more holistic and strategic approach. We educate you on the "why" behind your credit issues, help you understand your full credit profile, and support you in building healthy long-term habits. Our guidance is transparent, paced to your goals, and rooted in real-life scenarios. This isn’t about quick fixes—it’s about sustainable change. If you're ready to move beyond surface-level results, request credit support services to get started.

A Fractional Director of Operations brings executive-level operational strategy to your business without the cost of hiring full-time. This role supports everything from systems planning and workflow optimization to team management and strategic alignment. You get the benefit of high-level leadership on a part-time basis, allowing your business to run smoother and scale more efficiently. It's especially valuable for overwhelmed founders or small teams needing support to grow. If your operations are keeping you stuck, request operations partnership service for clarity and structure.