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Personal Credit Repair
Challenge inaccurate, outdated, or unverifiable items on your personal credit reports across all three bureaus.
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Credit Repair & Financial Services
Take back control of your credit.
Focus Financially helps individuals and businesses dispute inaccurate items, remove collections, and build a stronger credit profile — so you can qualify for the loans, rates, and opportunities you deserve.
✓ Personalized dispute strategy
✓ Personal & business credit
✓ No long-term contracts
10+
Credit solutions
50
States served
1:1
Dedicated support
100%
Transparent process
What we do
Credit solutions for every situation
From a single collection account to a full business credit build, we tailor a plan to your goals.
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Business Credit Repair
Build and repair your company's credit profile, tradelines, and scores to unlock financing under your EIN.
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Collections Removal
Dispute and pursue removal of collection accounts and charge-offs that are dragging your score down.
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Mortgage Credit Repair
Targeted, rapid rescoring strategies to help you meet lender requirements and close on your home.
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Bankruptcy & Tax-Lien Recovery
Rebuild after bankruptcy and dispute the accuracy of public records and tax liens on your reports.
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Identity Theft Repair
Recover from fraud — freeze, dispute, and remove fraudulent accounts and inquiries from your file.
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Business funding
Strong credit is just the start — let's fund your growth
Beyond credit repair, we help businesses secure the capital they need to operate and grow. From a flexible business line of credit to startup & small-business funding, we help everyday entrepreneurs access the money to take their business to the next level.
- ✓ Business lines of credit for day-to-day operations
- ✓ Startup & small-business funding to get going and scale
- ✓ Guidance through the whole application process
Why Focus Financially
A focused, honest approach to your credit
We don't make empty promises. We analyze your reports, identify the items worth challenging, and work the process line by line — keeping you informed at every step.
- ✓ A personalized plan based on your actual credit reports
- ✓ Clear, jargon-free updates so you always know your status
- ✓ Experience across personal, business, and mortgage credit
- ✓ Education so you keep your credit strong long after we're done
How it works
Four simple steps to stronger credit
Free Consultation
We review your goals and pull a clear picture of where your credit stands today.
Audit & Dispute
We identify questionable items and challenge them with the bureaus and creditors.
Monitor & Build
We track results and guide you on building positive, score-boosting credit.
Reach Your Goals
You move forward with a healthier profile and a plan to keep it that way.
Client stories
Results our clients feel
Rated 4.8 from 18 Google reviews
"I thank God for allowing me to find Ebony. I was really down and out and felt stuck. I met her and she has changed my life. I went from a 390 to a 745 within 6 months. It was worth the time."
— Maica Yee · Google review
"My experience working with this company is on another level. I went to so many credit repair places in Brooklyn and online — I thought I'd have to give up on my credit. But Ebony knew exactly what she was doing."
— Bernard Pierre-Paul · Google review
"Ebony is truly God-sent. I have a hard time managing money, but she helped me budget properly and build a guide to go by. Now I'm not living paycheck to paycheck and I have money in my pocket."
— Quiana Satterwhite · Google review
"For all those looking to repair their credit, this is the place. The advice is always in the best interest of the client. I'm so grateful for the help."
— mellsun sykes · Google review
"This company is very professional. They fixed my credit and improved my score. I would definitely recommend this place."
— Jay Rich · Google review
"Very knowledgeable and professional credit repair service — thank you for all of your help."
— Gary Fortune · Google review
Reviews from our verified Google Business profile. Individual results vary and are not guaranteed.
Ready to focus on your financial future?
Book a free, no-obligation consultation and get a clear, honest assessment of your credit and your options.