Credit Improvement Consultation

WE ARE:

• An educational consultation service
• Here to guide and advise you
• Providing you with strategies and tools

WE ARE NOT:

• A credit repair company
• Filing disputes on your behalf
• Promising to remove items from your credit report
• Providing legal advice
• Liable for credit score changes

FREE Initial Assessment: 15-30 minutes

• We discuss your situation
• You tell us what you need
• We explain what documents to gather
• No obligation to continue

Full Consultation: $100-$125 (up to 2 hours)

• Complete credit report review
• Personalized improvement plan
• Dispute letter templates
• Detailed instructions and timeline
• Additional time: $50/hour

Follow-Up Consultations: $50-$75 (30 minutes)

• Progress check-in
• Strategy adjustments
• Answer your questions
• Additional time: $50/hour

Dispute Letter Drafts: $35-$50 each

• Custom letter template
• Instructions on where/how to mail
• You print and mail yourself

3-Consultation Package: $250

• 1 full consultation + 2 follow-ups
• Save $50

5-Consultation Package: $400

• 1 full consultation + 4 follow-ups
• Save $100

1. Free Assessment: Contact us for a free 15-30 min call
2. Decide: You decide if you want to proceed
3. Full Consultation: Schedule your paid consultation
4. Get Your Plan: Receive analysis + dispute letters + instructions
5. Take Action: YOU implement the strategies (we guide you)
6. Follow-Up: Check in with us as needed

• Phone/Video: Standard pricing
• In-Person (North Jersey): Standard pricing + travel fee ($25-$50 if needed)

• Your credit report (we can guide you on getting one free)
• List of accounts in dispute
• Any collection notices or creditor letters
• Financial goals/information

Important Disclaimers:

We provide EDUCATIONAL CONSULTATION ONLY. You are responsible for all actions taken. We do not:

• Dispute items on your behalf
• Guarantee credit score improvements
• Promise removal of accurate negative information
• Mail documents for you
• Provide legal advice

Your Credit Rights:

• You can get a FREE credit report annually from each major bureau at AnnualCreditReport.com
• You can dispute inaccurate items yourself for FREE
• Credit bureaus have 30 days to investigate disputes
• Only accurate information stays on your report
• Negative items can stay 7 years (accurate items cannot be removed)
• Credit improvement takes 3-6 months minimum

About Our Service:

• All information is confidential
• We won't share your information without your permission
• Consultations are educational - not legal advice
• You can cancel anytime

Payment:

• Due at time of service
• We accept cash, card, and electronic payment
• 24-hour cancellation notice for free cancellation

What To Do If You Need Help: For legal questions about debt or credit, consult a licensed attorney. For government resources, visit:

• FTC.gov (Federal Trade Commission)
• ConsumerFinance.gov (Consumer Financial Protection Bureau)
• Your state's Attorney General office