Personal Credit Repair
We review your reports from all three major bureaus, identify items that are inaccurate, outdated, or unverifiable, and challenge them on your behalf — while coaching you on the habits that keep your score climbing.
Whether you're recovering from a setback, preparing for a mortgage, or building credit for your business, we build a plan around your specific reports and goals.
We review your reports from all three major bureaus, identify items that are inaccurate, outdated, or unverifiable, and challenge them on your behalf — while coaching you on the habits that keep your score climbing.
Prefer working with someone who understands your area? We offer personalized, locally-minded service with the same rigorous dispute process — available to clients across all 50 states.
Separate your personal and business finances. We help you establish and strengthen your company's credit profile and tradelines so you can pursue financing and better terms under your EIN.
We help businesses get funding and lines of credit to operate and grow — including business lines of credit and startup / small-business funding. Learn more about funding →
Working with a lender on a tight timeline? We focus on the specific items and rapid-rescore strategies that can help you meet loan requirements and move toward closing.
Collection accounts and charge-offs can weigh heavily on your score. We dispute their accuracy and pursue removal of items that can't be properly validated.
A bankruptcy isn't the end of your credit story. We help you rebuild a positive profile and dispute any inaccurate post-bankruptcy reporting.
Public records like tax liens can affect your standing. We review how they're reported and challenge inaccuracies through the proper channels.
Overwhelmed by multiple balances? We help you understand consolidation and debt-resolution options so you can choose a path that fits your budget. [[ Note: educational guidance / referral — confirm scope. ]]
Beyond disputes, we give you a clear, practical roadmap — utilization, payment history, credit mix, and more — to build lasting credit strength.
If fraud has damaged your credit, we help you freeze, dispute, and remove fraudulent accounts and inquiries, and put protections in place going forward.
Start with a free consultation. We'll review your situation and recommend the right plan — no pressure, no obligation.
Important: Focus Financially does not guarantee any specific results, score increases, or that any particular item can or will be removed from a credit report. Results vary based on each client's individual situation. [[ Confirm final disclaimer language with legal counsel. ]]
You have the right to dispute inaccurate information on your own credit reports for free by contacting the credit bureaus directly, and to cancel your service agreement in accordance with the federal Credit Repair Organizations Act (CROA) and applicable state law.