Our Services

Everything we do falls under

one goal: putting you in a

stronger financial position.

Credit repair is our primary practice. Once your foundation is solid, we can point

you toward the next step — access to funding through our sister advisory.

01

Three-Bureau Credit Audit

A full line-item review of your Equifax, Experian, and TransUnion reports. We identify inaccurate, unverifiable, outdated, and duplicate items that may be dragging down your score.

  • Complete report pull & review

  • Item-by-item risk classification

  • Written plan you can keep

02

Dispute Cycle Management

We draft, send, and track dispute letters to the credit bureaus and furnishers on your behalf, following FCRA, FDCPA, and FCBA guidelines through each cycle.

  • Bureau and creditor-level disputes

  • Structured 30–45 day cycles

  • Full response tracking

03

Credit Monitoring Setup

We help you set up ongoing monitoring so you can watch progress in real time and catch changes across your reports as they happen.

  • Guided monitoring enrollment

  • Score movement reviews

  • Alert interpretation support

04

Credit Education & Coaching

Repair alone is not enough. We coach you on utilization, mix, aging, inquiries, and the habits that keep your credit strong long after the program ends.

  • Utilization strategy

  • Rebuild tradeline guidance

  • Long-term positioning

What We Work To Remove

Common items we build

cases against.

Not every item can be removed. But every item that is inaccurate, incomplete,

outdated, or unverifiable deserves to be investigated.

Late Payments

Missed or delinquent payments that

continue to weigh down your score.

Collections

Old accounts sold to third-party collectors reporting on your file.

Charge-Offs

Accounts written off by creditors but still

hurting your credit profile.

Repossessions

Vehicle or asset repossessions reported across all three bureaus.

Bankruptcies

Public record filings that suppress your creditworthiness for years.

Hard Inquiries

Excessive credit pulls dragging down your score.

Medical Bills

Medical collections and disputed hospital debts on your report.

Evictions

Housing court records and rental collection items.

Student Loans

Inaccurately reported federal and private student loan tradelines.

Sister Practice · Funding

When your credit is ready, funding

becomes the next conversation.

Through our sister advisory, Talk Credit With Us, clients who have positioned their credit

can explore access to business credit and 0% funding sequences. We treat funding as an

outcome, not a starting point.

Not sure which service you need?

Not sure which service you need?

Book a free consultation and we’ll help you figure it out on the call.

No commitment, no pressure.

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.