We will remove negative items across all three credit bureaus and offer a plan designed specifically for NYC residents. Take advantage of a team that understands the challenges of the city. Trusted by clients across all five boroughs and the rest of the country.
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Our credit disputes specialists remove negative items that are unfair, inaccurate, or unsubstantiated from your report.
We evaluate your current credit and what you aim to accomplish in your credit goals, no matter what district you reside in.
We obtain your credit report from all three credit bureaus and flag all items that we consider to be inaccurate, out-of-date, or unverifiable.
According to your report, we create your plan, which could range from a credit report cleanup to full credit report support and credit funding assistance.
We take care of this process for you by addressing all flagged items and negotiating with bureaus and creditors.
We continue to work with you to build your credit until we re-establish positive credit history. This is done through our client success team support.
We understand what lenders and landlords in NYC are looking for and create a plan with this bar set for you.
We guarantee consistent contact with you and timely updates.
We create a plan that exceeds standard credit repair to include rebuilding credit and funding a personal $50K loan or a business loan of $100K for qualifying clients.
Rebuilding credit together? We offer couple packages to save money and time since our individual plans are more expensive. These packages are designed for couples who want to apply for a lease or mortgage application together.
Your case will not be handled by a single agent. Our in-house team consists of client success reps, a strategy team, and a team of dispute specialists.
We offer services so our clients can easily improve their financial circumstances using our tools while eliminating any financial stress.
Simplifying the complex nature of finances is what we do. Real results, Integrity, and Education are the foundational elements of every client interaction.
Heads Up Financials was built using a financial education foundation focused on clarity and simplicity.
We have a team of client success reps and lead disputers.
We operate in accordance with the CROA and the transparency provided by our contracts and your right to cancel within 3 business days.
Plans for Your NYC Credit Journey: There is a plan for every step, from your credit repair to support for your funding needs.
|
Plan |
Starting At |
Best For |
|
Empire State Plan |
$550 (Reg. $1,000) |
Removing negative items across all 3 bureaus |
|
Oasis Plan |
$1,560 |
Credit repair + credit-building + funding guidance up to $50K |
|
Empire Plan |
$2,560 |
Personal + business credit, LLC setup, funding up to $100K |
|
Guardian Sweep |
$3,000 |
Aggressive dispute campaigns for severe derogatory items |
|
Ascend Mentorship |
$5,000 |
1-on-1 mentorship, credit + business strategy, funding up to $150K |
|
Dynasty VIP |
$7,500 |
White-glove service for entrepreneurs scaling wealth |
Meet one-on-one with our NYC specialists at our location or yours to continually develop strategies designed to help you achieve your financial objectives.
If there are negative items on your credit report that are inaccurate, old, or lack any proof supporting them, repair can make a difference. In a competitive city like New York, credit repair can make the difference in whether you get approved for an apartment lease, mortgage, or loan.
Negative items reported by credit bureaus and responses from creditors impact the time it takes to complete a dispute. The result is typically seen in a few billing cycles with more substantial results in about a month.
It's illegal for credit repair companies to guarantee an improvement in a client's credit score. What we guarantee for all our clients are the results of a full and thorough dispute process and our support and assistance throughout the entire process.
No. Our process is flexible enough to be used remotely. You can get support through phone, email, and/or video calls no matter what borough you’re in, or if you are outside the city.