There is no credit repair company that is the best for all situations. This article examines a company called Heads Up Financials and decides if, when, and how this company may be a good option for an individual looking to repair their credit.

What kind of service does Heads Up Financials provide?

Heads Up Financials offers credit repair as one element of a financial plan. Other elements of this plan may include debt management and investment services. The cost of these financial plans ranges from $6,000 to $10,000. Heads Up Financials also offers credit repair services for a one-time fee of $500. The credit repair service includes disputing one negative item on each of the three credit bureaus and providing a customized plan to improve the consumer's credit.

In addition, Heads Up Financials provides a service to help businesses gain credit and improve their credit score. Heads Up Financials will also assist businesses in obtaining working capital.

• Personal credit repair — identifying and disputing inaccurate negative items across all three credit bureaus (Equifax, Experian, and TransUnion), paired with a personalized improvement strategy rather than a one-size-fits-all dispute template.

• Business credit and funding — cleaning up a company's credit report, building business credit from the ground up (including vendor accounts and DUNS number setup), and connecting clients with funding options, including revolving capital they can draw on as needed.

The flagship offering: a six-month mentorship program

The main aspect of the service is a six-month individual mentorship. With this, clients get a financial strategist who helps them achieve their financial goals. Unlike other companies, clients do not get routed to the generic dispute resolution queue. The financial strategist helps the client by:

• Reviewing the client’s financial situation and credit

• Implementing and managing credit disputes

• Determining the strategy to assist the client in attaining their financial goals

• And helping the client stay on track to achieve their financial goals.

The financial strategist works with the client over the course of several months. This mentorship is for clients who wish to accomplish a specific financial goal or improve their credit.

Pricing Tiers

The financial mentorship package is not the only package offered. Heads Up Financials offers different packages based on their client’s financial needs and goals. For example, a higher package offers financial and business mentorship to assist the client in starting or improving a business to the tune of 150,000 dollars.

The highest package for 7,500 dollars gives the client financial and business mentorship to assist them in starting or improving 2 to 3 businesses and helps the client stay on track.

Who this is actually a good fit for

Structurally, Heads Up Financials works best for:

• Clients looking to achieve a particular financial goal, i.e., securing a business or mortgage loan, improving credit scores to be eligible for funding, etc.

• Business Owners looking to build credit under their business name.

• Individuals looking for a strategist to work with them on a call center dispute service.

• People who understand they will be paying a higher rate for a strategic and comprehensive service.

This is definitely not a good fit for people looking to dispute a small number of items on their credit report. Heads Up Financials is not priced and does not work to accomplish that goal.

Things to check before giving Heads Up Financials your business

Heads Up Financials' competitors have been around for decades. Because of that, they have tons of credible reviews and a long public record. That isn't the case for Heads Up Financials, and it doesn't mean anything is wrong. It means you'll have to do more research than you normally would. Before paying, make sure you have the answers to the following questions:

• What is the cost, and what do I get at this price?

• Will I be charged before or after the credit repair work is done?

• What are the terms of the agreement, and can I walk away from this contract at any time?

• Do you operate with a state bond or license?

• How long will it take to receive the mentorship?

• What are 'accountability check-ins'?

Frequently asked questions

Are Heads Up Financials' services limited to business owners?

No, their services can be used to repair the credit of individuals and not just business owners.

Can Heads Up Financials increase my credit score?

No credit repair company can increase or change your credit score. Heads Up Financials, like all credit repair companies, can't make this claim. What it can do is dispute errors on your credit report and provide you with an account strategist to help you with the credit repair process.

What is different from other credit repair companies?

Other credit repair companies focus on repairing credit by disputing negative items on a consumer’s credit report. Heads Up Financials focuses on credit repair and other financial services related to building business credit and providing financing. Heads Up Financials caters to clients who wish to utilize credit repair services to attain other financial goals.