EXPERIENCE
FINANCIAL
TRANQUILITY
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Never again will you be limited by your financial position. We help manage, educate & guide you to financial enlightenment.
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Track Your Progress
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You're not your past
We partner with you to explore financial fundamentals and develop the skills to manage your money effectively while challenging any negative reports.
Enjoy the process
Easy access to your account 24/7 for live status updates on improvements on your scores.
Change your future
Most clients receive results in 30-45 days! We’ll help maximize your score so you can achieve your goals and learn to adopt good financial decision making skills.
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How it works!
Signup
Simply schedule your FREE consultation.
Relax
Start applying your personalized financial strategy plan while we use the law to challenge
negative items on your report.
negative items on your report.
See Results
Log in to see real time progress every
step of the way
step of the way
Frequently Asked Questions
Is Credit advisory legal?
- Yes, credit advisory is legal and our credit education and document processing services will help you to use the law in your favor. That law is called "The Fair Credit Reporting Act." The FCRA gives you the right to dispute any item on your credit report. If that item cannot be verified within a reasonable time (usually 30 days) it must be removed. Studies have shown that 79% of all credit reports contain errors. This is nearly 8 out of 10 reports. Therefore most credit reports improve immediately. For items that are disputed that are not errors, a creditor or furnisher is often unable to find the records or signed documents within the allotted time and the item gets removed. Sometimes the furnisher will say it has been verified by not offering proof. It is our job to prepare documents that challenge this and we are very skilled at that.
IS CREDIT advisory AND financial Coaching WORTH MY TIME AND MONEY?
- Contrary to what credit bureaus want you to believe, credit training does work in most circumstances. But it only works if you are getting the best advice from an experienced professional. Anyone with a credit score below 720 can benefit long-term from the advice and information provided through credit education. However, there are limiting factors that will prevent us from helping you. Two main factors are: (1) your financial situation and/or (2) the time frame in which you need to reach your results. It is possible to remove anything from a credit report, even accurate items. For instance, if the creditor makes mistakes or does not adhere to the specific time frame, the negative item may be removed.
How long will it take to raise my score?
- Through our services, 93% of our clients see their credit score increase within the first 30 days. The average client sees a 100 point increase after about 120 days. In some cases however, a client may receive a 100 point increase in 30 days.
Will the removed items come back?
- Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.
What can I expect when I get a Finanicial Coaching?
- We will guide you through the process from start to finish and prepare all your documents for you. We have a superb knowledge of credit scoring and experience working with creditors and credit bureaus. It may be difficult for an individual to communicate with creditors and bureaus without an adept understanding of their techniques and regulations in place for credit reporting. We have spent a great deal of time learning the laws that will help you to remove negative information on your report, which enables us to offer you a flawless, money back guarantee system.
Is there a Guarantee?
Although it is illegal to guarantee any financial coaching serves, you are entitled to a 100% refund on all monthly payments if:
- You do not receive at least a 1 point increase in scores (any bureau) or had at least 1 item updated/deleted from you credit reports.
- You have not used a credit-consulting agency nor attempted to repair your credit two years previous to signing up for our services.
- You agree to send updated reports from the three credit bureaus to us within 5 days of receipt.
Why are your results different?
- There are two sides to the credit score battle. Sometimes, the creditors and the credit bureaus have done absolutely everything right and we have no case against them. On average, clients are able to remove 70% of the negative items from a credit report.
How many items are typically removed?
- In most cases, 6 out of 10 items are removed from a clients credit report within the first 60 days.
Financial Coaching
&
Life Coaching
couldn’t be more simple with Capitalizm.
Testimonals
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" During the pandemic, my business struggled so much until I came across Capitalizm, which helped me raise my credit."
Callum R. |
"My credit was always a sensitive topic for me, but ever since i came across Capitalizm they educated me while repairing my credit."
David I. |
“I wanted to open a new business but unfortunately with Bad Credit, I couldn’t until I came across Capitalizm.”
Tracey G. |