Why Choose A State Consulting
Real Credit Repair, Rooted in Consumer Law
A State Consulting is a team of knowledgeable consumer law–focused credit professionals dedicated to helping individuals clean up their credit the right way. Our approach is grounded in federal consumer protection laws, including the FCRA and FDCPA, to responsibly challenge inaccurate, unfair, and outdated collection accounts.
No pressure consultation to review your credit and options.
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 scare tactics. No shortcuts. Just straight answers and a custom plan for your credit.
You Don’t Have to Face Collectors Alone
If collection accounts, late payments, or charge‑offs are holding you back, A State Consulting is here to walk you through the process step‑by‑step—using proven strategies backed by over 5 years of experience and real consumer law.
5+ Years of Credit Repair Experience
From charge‑offs and late payments to aggressive collections, Anthony has seen—and solved—hundreds of real‑world credit situations just like yours.
-Anthony Speed, Owner of A State Consulting
“Most people think they’re powerless against collectors. Once you understand your rights, the whole game changes.”
Meet Your Credit Advocate
Meet CEO Anthony Speed
For the past 5+ years, Anthony has been helping everyday people fight back against unfair credit reporting and aggressive collection tactics. A State Consulting was built so you don’t have to figure out consumer law on your own, or feel talked down to by big agencies.
Anthony is not just familiar with credit repair templates—he is well‑versed in consumer protection laws that give you real leverage, including the Fair Debt Collection Practices Act (FDCPA) and key federal reporting standards.
When you work with A State Consulting, you’re working directly with the owner—someone who actually reads the laws, responds to you personally, and treats your credit like it’s his own.
Beyond Dispute Letters
We Use Consumer Law & FDCPA To Fight Collections
Most credit repair companies send the same generic disputes to the bureaus. A State Consulting takes a law‑first approach—holding collectors and bureaus accountable to the rules they often ignore.
FDCPA Knowledge
We use the Fair Debt Collection Practices Act (FDCPA) to challenge collectors when they misreport, harass, or fail to validate your debt properly.
Consumer Rights Focused
We lean on federal consumer law so you’re not begging for favors—you’re simply demanding that your legal rights be respected.
Collections Strategy
We help you respond the right way to collection accounts—whether that means disputing, requesting validation, or negotiating from a position of strength.
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.