It varies significantly by person, since it depends on your credit history, the specific items in question, and how lenders and bureaus respond over time. We don't provide a fixed timeline, but we'll walk you through realistic expectations during your session.
No. We do not guarantee any specific credit score increase. Credit scores are calculated by third parties based on many factors outside our control, and no legitimate consultant can promise a specific result.
No. We help you identify information that may be inaccurate, outdated, incomplete, or unverifiable, and support you in preparing documentation to address it. We do not remove information that is accurate — no one legitimately can.
No. Loan approval decisions are made solely by lenders, based on their own underwriting criteria. Our consulting is meant to help you understand and prepare for that process — it is not a guarantee of any financing outcome.
This depends on the service, but commonly includes a recent copy of your credit report(s), recent pay stubs or income documentation, and any lender correspondence relevant to your situation. We'll confirm exactly what's helpful when you book.
Yes. Our Mortgage Readiness Consulting service is designed for prospective homebuyers, including first-time buyers, who want to understand where they stand before applying.
Yes. We work with real estate investors on credit and financing readiness as they grow their portfolios, through our Business & Real Estate Loan Consulting service.
Yes. We help small-business owners organize financial information and understand what lenders typically expect in a business loan request.
Yes. Sessions and any documents you share are treated as confidential and are only used to provide your consultation.
Every service is billed at the same flat rate: $150 per hour. There are no bundled packages, upsells, or hidden fees, and all sessions are by appointment only.
Still Have Questions?
Consultations are $150 per hour and available by appointment only.