Transparent monthly pricing
Choose your Pricing subscription
Start with a low one-time enrollment and a flat monthly subscription. No long-term contracts. Cancel anytime.
Standard
Ideal if you have a few late payments or collections and want guided cleanup.
Unlimited disputes to the 3 Credit Bureaus
Creditor/Collection agency disputes
24/7 Client Portal
Credit Coaching and Education
File complaints on your behalf (If needed)
Dispute Comments Removal
No contracts
$99/ month
$199 Enrollment Fee
Couple's Plan
For couples or co-signers
working together toward
big purchases
Unlimited disputes to the 3 Credit Bureaus
Creditor/Collection agency disputes
24/7 Client Portal
Credit Coaching and Education
File complaints on your behalf (If needed)
Dispute Comments Removal
No contracts
$199/ month
$300 Enrollment Fee
One- Time Payment
Ideal if you have a few late payments or collections and want guided cleanup.
Unlimited disputes to the 3 Credit Bureaus
Creditor/Collection agency disputes
24/7 Client Portal
Credit Coaching and Education
File complaints on your behalf (If needed)
Dispute Comments Removal
No contracts
$499/ one-time
$0 Enrollment Fee
Identify the top score‑boosting opportunities on your current report
Walk away with a written, easy to follow action plan
See what may be challenged, corrected, or negotiated under federal credit laws
See what may be challenged, corrected, or negotiated under federal credit laws
FCRA-compliant credit consulting
No impact on your score. Secure & confidential review.
Average client sees measurable improvements in as little as 45–90 days.
Simple, Transparent Process
What happens on your free consultation?
We walk through your current credit situation, spot the fast wins, and outline a realistic path to your goals—whether that's a new home, car, or just peace of mind.
STEP 1
Review Your Credit Together
We pull or review your existing reports, explain what's hurting your score, and answer every question in plain language.
STEP 2
Identify Opportunities
We outline what can be challenged, corrected, or negotiated, and map out a timeline based on your goals and budget.
STEP 3
Outline Your Next Steps
If you decide to move forward, we handle the heavy lifting and keep you updated on any changes we see first.
Real Client Outcomes
From denied to approved—without guessing what to do next.
Every credit situation is unique, but the right strategy can turn things around faster than you think. Here are a few examples of what our clients have seen after following their customized plans.
Late payment removals that have contributed to meaningful score improvements for some clients
Collections and charge-offs challenged or updated when supported by credit reporting laws
Student Loans, Child Support and other accounts that shouldn't be on your credit report
"I saw a meaningful improvement in my credit profile within a few months and finally felt confident applying for a reliable car."
"They didn't just fire off disputes—they educated me on how to build credit the right way. Now I'm preparing to apply for my first home loan with confidence.""
Results vary and are not guaranteed. Credit outcomes depend on individual credit history, accuracy of reporting, and client participation
Why A State Credit Consulting
Not a "credit repair factory." A partner with a plan.
We combine consumer‑friendly education with compliant dispute strategies where appropriate —so you understand what's happening and how to keep your scores strong long after we're done.
Tailored to your goals
Whether you're preparing for a mortgage, rebuilding after hardship, or just cleaning up old reports, your plan is built around your timeline and priorities.
Education first, pressure never
We explain your options and answer your questions. If we're not the right fit, you still leave with clarity and next steps you can use on your own.
Compliance‑minded approach
We work within your rights under the FCRA and related laws, focusing on accuracy
and fairness—not loopholes that can backfire later.
Who We Work With
Is a free credit consultation right for you?
If you see yourself in any of these situations, a short call can help you avoid unnecessary trial and error.
Preparing for a major
purchase
You want the best possible rate on a mortgage, auto loan, or refinance in the next 3–12 months.
Denied or stuck in the 500s/low 600s
You're tired of getting turned down or paying high deposits and want a clearer understanding of your options.
Recovering from
life events
Job loss, medical bills, divorce, or other hardships hit your credit—and you're ready to rebuild with guidance.
Questions, Answered
Credit consultation FAQ
Have more questions? You can ask anything during your free consultation—no commitment required.
Is the Consultation really free
Yes. Your consultation is 100% free and there is no obligation to sign up for any service. We review your current situation, explain your options, and if we're a good fit we'll share how we can help. If not, you'll still walk away with guidance you can use.
Will this hurt my credit score
No. The consultation itself does not impact your credit score. If we need to look at your credit reports, we use soft‑pull or existing reports you already have to avoid unnecessary inquiries.
how long does it take to see results
Every situation is different, but some clients begin seeing movement within the first few months as disputes are processed and positive actions are added. Timelines vary based on your credit history, bureau response times, and your participation in the plan.
Can you remove any negative item from my report
No one can legally guarantee the removal of accurate, verifiable information. Our focus is on identifying items that are inaccurate, incomplete, outdated, or unverifiable and challenging them using your rights under the law. We'll be transparent about what's realistic for your situation.
Why should I have ready for the call?
If possible, have recent copies of your credit reports, a list of your top goals (home, car, refinance, etc.), and any letters you've received from creditors or collectors. If you don't have everything, that's okay—we'll walk you through what we need.
Helping individuals and families rebuild, protect, and understand their credit—one plan at a time.
Legal Disclaimer
We are not a law firm and do not provide legal advice. Results are not guaranteed and will vary based on your credit history and participation.
© 2026 A State Credit Consulting. All rights reserved.