very simple
STEP
01
CREDIT ANALYSIS
STEP
02
DISPUTE & CONFIRMATION
03
STEP
PAYDOWN DEBT
04
STEP
BUILD POSITIVE HISTORY
We help and advise you on how to restore, manage, and retain control of your Financial Health through smart decision-making on any spending impulse that can potentially lead to bad debt
Credit Health Restoration-Advise
CreditHealth Analysis Advise
TM
Nearly 98% of credit repair companies take a shortcut approach. They skim your report, target two or three major items, and offer a quick fix to bump your score. That might be enough for some—but not for Us!. Credit Health Consultants, go deeper. We examine everything on your credit report—not just the obvious issues.
Clear and Transparent Prices
RoadMap
All with a simple proven plan that Works! and give Results!!
You work too hard to be held back by bad credit. Whether you’re trying to recover from past mistakes or improve your credit score, our step-by-step approach will help you take control of your financial future—one move at a time.
Credit Report Analyzation
Step-1
We start by reviewing your credit reports from all three major bureaus Experian, TransUnion, and Equifax. During this process, we look for errors, outdated accounts, or unfamiliar activity that could be hurting your score.
🔹 Tip: You can get a free report at | AnnualCreditReport.com
Disputing Inaccurate Information
Step-2
It’s important to dispute mistakes on your credit report as soon as possible. Under the Fair Credit Reporting Act (FCRA), credit bureaus are legally required to investigate your dispute within 30 days.
Disputing inaccuracies is a key step in protecting and improving your credit health. Errors like incorrect balances, accounts that don’t belong to you, or outdated negative items can appear and unfairly lower your credit score.
Pay Down Debt & Make Payments on Time
Step-3
We then create a plan that will help you Focus on paying off credit cards and loans, starting with high-interest accounts. Most importantly, pay all bills on time—payment history is the biggest factor in your credit score.
After identifying any errors or outdated information, we create a personalized plan to help you focus on paying off credit cards and loans, starting with high-interest accounts first.
Most importantly, we emphasize the power of on-time payments, since payment history is the single biggest factor in your credit score. Consistent, timely payments help build trust with lenders and steadily raise your credit standing over time.
Avoid New Debt & Build Positive History
Step-4
Don’t open any new credit accounts, stay away from consumer credit cards, or store cards. they are deadly, and avoid maxing out your current credit cards.
As your credit improves, it’s important to protect your progress by making smart financial choices. Avoid opening new credit accounts—especially consumer or store cards. They often come with high interest rates and can easily lead to unnecessary debt.
Never max out your existing credit cards. Keep your balances low—ideally below 20% of your credit limit—to maintain a strong credit utilization ratio.
Staying disciplined with your spending habits will help you preserve your gains and continue building a healthy, stable credit profile.