Personal credit coaching is a regulated service under the federal Credit Repair Organizations Act (CROA) and Massachusetts c. 93 §68A. We are scaffolding the service with consumer-finance counsel and will launch in 2026 with full compliance — proper disclosures, written contracts, in-arrears billing, and CROA-compliant marketing. Tiers below are target pricing.
Best for individuals starting their credit journey or with one specific bureau issue to focus on.
Our anchor tier. Best for clients with multiple items across bureaus and an active credit-building goal.
Best for serious cases — recent collections, mortgage-prep timelines, or coordinated personal+business credit work.
All tiers will be billed strictly in arrears for services already rendered each month — no setup fees, no first-work fees, no deposits. 3-business-day cancellation right per CROA §1679e and M.G.L. c. 93 §68D. Coaching is template-based and educational; clients exercise their own FCRA/FDCPA rights under their own name. Results vary; we make no guarantees of specific score outcomes. Anything we coach you to do, you can also do yourself for free under federal law.
We walk you through your TransUnion, Experian, and Equifax reports together — every account, every inquiry, every status code, in plain Spanish or English.
Your FCRA dispute rights, your FDCPA debt-collector defenses, your CFPB complaint pathway — we teach you exactly how and when to use them.
Ready-to-use templates (initial dispute, mixed-file, method-of-verification, debt validation, identity-theft block) — you fill them in and mail them under your own name.
What to pay first, what NOT to do, when to wait, and which moves give the biggest score lift for your specific file.
Strategies to build BUSINESS credit (see our Business Credit Blueprint service) in parallel — separating personal credit risk from business financing capacity.
The FDCPA §809 validation pipeline is the most underused tool in consumer credit law. We coach you to use it correctly.
Six months of strategic moves before a major application changes the rate you qualify for. We help you sequence them.
Sharing a name with a relative (Jr/Sr), an SSN typo, accounts that aren't yours — mixed-file disputes have a clear FCRA pathway and we coach you through it.
We meet (Zoom or in person) and walk you through your reports — identifying which items are disputable under FCRA §611 and which are simply accurate (and how to wait those out).
We build a personalized action plan — payments to make, items to dispute, mistakes to avoid. You leave with a clear written roadmap.
Disputes go out on YOUR letterhead, signed by YOU, mailed by YOU using our templates and addresses. This is what makes it work — and what keeps it legal.
Monthly check-ins to review responses, escalate where needed (CFPB complaint pathway), and adjust strategy. Most files improve materially in 60–90 days.
“Excelente servicio, buena comunicación, resuelve tus dudas al instante. Recomendados.”
“Bradley was very knowledgeable and helped meet all my needs. 10/10 service — highly recommend!”
“Bradley was amazing — he helped me with everything and was extremely professional throughout the entire process. He also took the time to give me helpful tips, which I really appreciated. I highly recommend him!”
Federal law (CROA, 15 U.S.C. §1679) and Massachusetts c. 93 §68A heavily regulate any company that submits dispute letters on a consumer's behalf for a fee. We chose to launch with the COACHING model because it's the only compliant path that puts more capability in your hands long-term — and because anything we coach you to do, you can also do yourself for free under federal law.
Realistic timing: 30–90 days for most disputable items to resolve, with score impact compounding over the following 60 days as utilization and aging adjust. Some files (mixed-file disputes, identity-theft blocks) resolve in days. We never guarantee specific score outcomes.
Any item that is inaccurate, unverifiable, or obsolete (older than 7 years for most items, 10 years for bankruptcy). We do NOT coach you to dispute accurate negative information — that's the line every credit-repair scam crosses, and it's specifically prohibited by CROA §1679b.
No — and we're explicit about that boundary. We are not attorneys. We provide financial education and template resources. For actual legal advice (FCRA litigation, identity theft litigation, debt-collection lawsuits, bankruptcy), we refer you to licensed Massachusetts consumer-protection attorneys.
Full launch in 2026, once our Massachusetts consumer-finance counsel signs off on every required disclosure and form (§1679c disclosure, §1679d engagement letter, MA c. 93 §68C statement, and the Notice of Cancellation). Get on the waitlist below — we'll email you the moment it opens.
Bring your Experian or Credit Karma report. We'll walk through inaccurate items, realistic disputes, and a 90-day plan.
Live availability from Bradley's calendar. In person, Google Meet, or phone.
Calendar invite lands in your email the moment you book.
A real conversation about your situation, in English or Spanish.
60 Island Street, Suite 214 · Lawrence, MA · Hablamos español