Credit Score Repair Services

A Low Score is a Costly Problem

You may have landed here because, like most people, you see a low credit score as a major personal cost.

Your credit score is likely higher than you had hoped, but you are not sure why.
You've watched your score drop because of a collection account, a high credit balance, or maybe you were just late.
Every point below where you need to be means a higher interest rate, a bigger deposit, or a denial.
You’ve settled collections or tried to fix it yourself, but your score hasn’t moved.
You have a deadline to obtain a mortgage or auto loan, or you require your score at a certain level, and you have no time.

What You Can Expect From Our Credit Score Repair Service

Our credit repair specialists build a score improvement plan and address the negative score factors when your score is being held down by inaccurate items, poor factors, or reporting issues.

We assess the payment history, Collection accounts, account age, utilization, hard inquiries, and negative items to determine your score.
We dispute old, unverifiable, and inaccurate items that are unfairly holding your score down.
We will provide you with a prioritized action plan that targets those changes that will most impact your score, and not just the easiest changes to implement.
We will act as your advocate with the credit bureaus and creditors, so you won't have to deal with the back and forth.
We will actively monitor your score and change our strategy as your credit report changes.

How Credit Score Repair Works With Heads Up Financials

1

Free Consultation

This is where we review your score and what's impacting it, as well as where we aim for your score to be.

2

Score Factor Analysis

We pull your credit reports from all three of the credit bureaus and tell you what's negatively impacting your credit score.

3

Custom Plan & Package Match

Here we build a plan tailored to the highest impact items for your credit score.

4

Active Disputes & Score Strategy

During this stage of your credit repair plan, we will actively dispute items that negatively impact your score. Additionally, we will provide you with instructions on how to manage your score through utilization, payment, and account moves.

5

Track & Adjust

During this stage, we monitor your score and adjust your plan as we come into contact with you, your Client Success Manager.

Why Clients Choose Heads Up Financials

Personal Guidance

We create a plan that is the highest impact for your credit score in particular, and not a generic plan.

Real Support, Every Step

We provide you with your score updates and contact you throughout the plan.

Beyond the Dispute

We go past removing negative items. Our plans include ongoing score-growth strategy, and for qualifying clients, support toward personal funding of $50K+ or business funding of $100K+.

Individual & Couple Plans

Was Heads Up Financial designed to work on your scores as a couple? Our couple's packages help you and your partner save money as you both work towards better scores.

Experienced, Dedicated Team

A full in-house team of dispute specialists, client success reps, and a founder-led strategy team works your case, not a single overloaded agent.

Built On Integrity, Education, and Real Results

Our Mission

We ease the strain of financial complexity for our clients with the tools and know-how to improve their credit scores.

Our Core Values

Our best practices for each of our clients are based on Real Results, Integrity, and Education.

Founder-Led Approach

Heads Up Financials is a financial education company committed to clarity and simplicity versus unoriginal methods.

Dedicated Specialist Team

We have an entire unit devoted to our client case studies, which includes a dedicated client success team and a dispute team lead.

Compliant Process

We have built our operations within the Credit Repair Organizations Act (CROA), explicit contracts, a right to cancellation within 3 business days and no misleading claims.

Find the Plan That Fits Your Credit Score Journey

We offer multiple plans for various credit score goals, including a boost, complete repair and restoration, and even funding if needed.

Plan	Starting At	Best For
Score Boost Plan	$550 (Reg. $1,000)	Targeting negative items dragging your score down across all 3 bureaus
Oasis Plan	$1,560	Score repair plus credit-building and 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 impacting your score
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

See All Packages

Get Your Free Credit Score Repair Custom Report & Plan

Book your free consultation to learn how to improve your credit score and reach your financial goals.

Credit Score Repair FAQ's

Is credit repair worth the cost?

If your credit score is negatively impacted by items such as inaccurate, obsolete, or unconfirmed items, then absolutely.

How long is the credit repair process?

Typically, it takes 6 to 8 weeks or two to three billing cycles to see results.

Will my score go up by a certain number of points?

No legitimate credit repair service will guarantee a specific number increase; don't believe anyone who does. What we can guarantee is a methodical, deliberate strategy that we will continually adjust based on the results we are seeing.

What is the difference between credit score repair and credit report repair?

Credit score repair is the process of removing issues on your credit report to potentially improve your credit score. To improve your credit score, we look at all of your credit reports to resolve negative items in your accounts.

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Credit Score Repair Services That Get Your Credit Moving in the Right Direction