Serving Clients Nationwide
Rebuild Your Credit. Reclaim Your Legacy.
Talk Credit With Us is a credit repair advisory that helps clients remove inaccurate, unverifiable, and outdated items from their credit reports — and position themselves for real financial opportunity.
3
Bureau Coverage
FCRA
Compliant Process
1:1
Advisory Model
Credit Report · 3 Bureau
Client Profile · Active
Score Progression
↗ +222 ptsFCRA Compliant
Line-Item Audits
Founder-Led Advisory
Long-Term Rebuilding
founder
Ty & Keisha Barnette
Nationwide Credit Advisory
About Talk Credit With Us
A credit advisory built by people who lived the process.
We didn’t learn this in a classroom. Ty and Keisha rebuilt their own credit files out of necessity, then used what they learned to build a business, a portfolio, and a family legacy. Talk Credit With Us exists so our clients can do the same — the right way, with the right guidance.
Line-by-line audit of all three credit bureau reports
Education on credit utilization, mix, and rebuilding
Dispute cycles that follow FCRA, FDCPA & FCBA guidelines
Long-term positioning for future funding and lending
What We Work To Remove
Items commonly disputed
on credit reports.
Every credit file is different. When items are inaccurate, incomplete, outdated, or
unverifiable, we build the case to have them investigated and corrected.
Late Payments
01
Missed or delinquent payments that
continue to weigh down your score.
Collections
02
Old accounts sold to third-party collectors reporting on your file.
Charge-Offs
03
Accounts written off by creditors but still
hurting your credit profile.
Repossessions
04
Vehicle or asset repossessions reported across all three bureaus.
Bankruptcies
05
Public record filings that suppress your creditworthiness for years.
Hard Inquiries
06
Excessive credit pulls dragging down your score.
Medical Bills
07
Medical collections and disputed hospital debts on your report.
Evictions
08
Housing court records and rental collection items.
Student Loans
09
Inaccurately reported federal and private student loan tradelines.
How It Works
A structured, four-phase
process.
No black-box promises. We walk you through each phase and update you as the
work happens.
01
Consultation
We review all three bureau reports on a free 20-minute call and map out your realistic path forward.
02
Audit & Strategy
Every account is analyzed for inaccuracies, unverifiable items, and violations of consumer protection laws.
03
Dispute Rounds
We draft and send dispute cycles to bureaus and furnishers, tracking responses across each cycle.
04
Rebuild & Educate
As items are removed, we guide you through healthy credit habits, tradelines, and long-term positioning.
Primary Service
Personal Credit Repair
Full three-bureau credit audits, structured dispute cycles, and ongoing education to help you understand and protect your credit long-term.
Sister Service
Business Funding Advisory
Once your personal credit is positioned, we walk clients through the business credit and funding process through our sister brand.
Real Results From Real Clients
See Why Clients Trust
Our Credit Solutions
Our clients' results speak for themselves. See how we've helped people improve their credit,
secure funding, and achieve their financial goals.
Frequently Asked
Answers to what most
clients ask before enrolling.
If your question isn’t here, use the support page or book a free consultation and we’ll walk you through it in person.
How long does the credit repair process take?
Every credit profile is different. Most clients see meaningful movement within the first 45–90 days as our first dispute cycles conclude. Complex files may take longer. We keep you informed at every step and never guarantee specific score outcomes.
What kinds of items can actually be removed?
We focus on items that are inaccurate, incomplete, outdated, or unverifiable, including late payments, collections, charge-offs, repossessions, bankruptcies, hard inquiries, medical bills, evictions, and student loan tradelines that are being misreported.
Do you guarantee a specific score increase?
No reputable credit repair company can legally guarantee a score increase. What we can promise is a documented process, transparent communication, and consistent work on your behalf under the guidelines of the FCRA and FDCPA.
Is credit repair legal?
Yes. You have the right under the Fair Credit Reporting Act (FCRA) to dispute any item on your credit report that you believe is inaccurate. We simply do that work for you, professionally and thoroughly.
Do you also help with business funding?
Yes. Once your personal credit is in a strong position, our sister brand can walk you through accessing business credit and 0% funding. We view repair as the foundation and funding as the outcome.
How is Talk Credit With Us different from other credit repair companies?
We were built by clients-turned-founders. Ty and Keisha lived the process before they taught it. We focus on education, not just disputes, so you leave the program with the knowledge to protect your credit for life.
What do I need to get started?
Just a free consultation with our team. On the call, we review your credit reports together and lay out a realistic plan. There is no obligation to enroll.
Do I have to be in a specific state to work with you?
No. We serve clients nationwide via secure phone and video consultations. Everything can be handled remotely from wherever you are.
Take the next step
Ready to see where you actually
stand?
Book a free consultation. We’ll review your credit profile together and give
you an honest, no-pressure assessment of your options.
A credit repair and funding advisory practice founded by Ty & Keisha Barnette. We help clients nationwide restore their credit files and position themselves for real financial opportunity.
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Credit repair services rendered under the FCRA. Results vary; no specific outcomes are guaranteed.