Your Credit Shouldn’t Bethe Reason You Hear No.
Denied, stuck with high rates, or getting ready to fund a business? We help entrepreneurs restore personal credit, build business credit, and follow a plan that lasts.
You’re Here Because
Credit Is Holding You Back.
Most people find us at one of these moments.
You were denied.
For a loan, a card, or financing you were counting on.
Your rates are too high.
You qualify, but the terms cost you more every month.
You found errors.
Accounts or late payments on your reports don't look right.
You're ready to fund a business.
And your personal credit needs to be in shape first.
A big purchase is coming.
A home, a car, or an office lease is on the horizon.
You're rebuilding.
After a hardship, and you want a plan that sticks.
If any of these sound familiar, you’re in the right place.
Start Your Credit AnalysisNo Gimmicks.
No Promises We Can’t Keep.
Here’s exactly what we do for you, and what we will never do.
What we do
- Review your credit reports line by line
- Dispute items that are inaccurate or unverifiable
- Build a rebuilding plan around your goals
- Help you budget so progress lasts
- Put every service and fee in writing
What we never do
- Promise a specific score or result
- Try to remove accurate, timely information
- Suggest a “new credit identity” or CPN
- Charge for credit repair work before it is performed
- Pressure you into services you don't need
Credit isn’t a judgment.It’s a starting point.
Wherever your reports stand today, the next step is the same: find out exactly what’s there.
Start Your Credit AnalysisYour Credit Shapes
Your Options.
For entrepreneurs, personal and business credit are connected. Strengthening one makes the other easier to build.
Funding
When a business is new, lenders often look at the owner's personal credit before approving business financing.
Terms
Stronger credit can mean lower interest rates and better terms on the financing you do qualify for.
Everyday Approvals
Credit affects more than loans, from leases and insurance to the accounts your business depends on.
A Clear Process,
In Writing From the Start.
Every step is explained up front, so you know what we're doing and why.
We go through your credit reports with you and identify what needs attention.
Your plan and services are put in a written agreement before any work begins.
We challenge items that are inaccurate, incomplete, or can't be verified.
Guidance on payment history, utilization, and budgeting to strengthen your profile.
When you're ready, we help you build a business credit profile of its own.
Then Build Credit
in Your Business’s Name.
Once your personal profile is on solid ground, we help you build a business credit profile and get ready for financing opportunities.
Business Credit Profile
Setting up and building credit tied to your business, separate from your personal file.
Funding Readiness
Reviewing what lenders will look for, so you apply when you're truly ready.
Financing Preparation
Organizing the documents and financials that support a stronger application.
The
Budgeting Guide
Your personal money plan and your business money plan, connected through owner pay, so your credit plan has a budget behind it.
Get the Budgeting GuideBefore You
Get Started.
How long does credit restoration take?
It depends on what's on your reports and how the credit bureaus and creditors respond. We'll walk you through realistic expectations during your review, without promising a timeline or result.
Can you remove negative items that are accurate?
No. Accurate, timely information can legally stay on your report. Our work focuses on items that are inaccurate, incomplete, or can't be verified, plus a plan to rebuild.
Can I dispute items on my own?
Yes. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. We help when you want guidance, organization, and a full rebuilding plan.
Do I need to own a business?
No. Many clients start with personal credit while they plan or grow a business, then move into business credit when they're ready.
Ready to see
where you stand?
Start with a credit review and leave with a clear picture of what needs attention first.
Start Your Credit AnalysisResults vary. The Authentic Financial Group cannot guarantee any specific outcome or remove accurate, timely information from your credit reports. You have the right to dispute inaccurate information with the credit bureaus directly at no cost.