Rise to the life you deserve!

Our purpose is not just success, but about being a vessel for transformation in the lives of others through credit restoration so that they may achieve home ownership and other financial goals.


May each person we help feel valued, supported, and empowered to take control of their future”

What Exactly Is Credit Repair?

Credit repair is the process of improving a person’s creditworthiness by identifying, disputing, and addressing negative or inaccurate items on their credit reports. It’s designed to help individuals raise their credit scores so they can qualify for better financial opportunities, like buying a home, getting approved for loans, or securing lower interest rates.

STEP 1: SIGN UP FOR CREDIT MONITORING

Sign up for credit monitoring through smart credit using the button below. This is a MUST not an option. The monthly cost is $29. When negative items are disputed or removed, credit monitoring shows the updates on the credit report. You can see your scores improve in real time as changes happen.

STEP 2: CREDIT ANALYSIS

Once you sign up for credit monitoring, you will share your login credentials with your credit specialist so that an analysis can be performed. This analysis will help us to not only determine if you truly need credit repair, but help us create an action plan tailored just for you.

STEP 3: ONBOARDING

Once your credit analysis is complete and you have decided to move forward with our services, you will receive a free copy of your analysis and the onboarding link. Part of the onboarding process is paying your invoice and creating your 24/7 client portal.

STEP 4: WATCH YOUR SCORE SOAR!

Once onboarding is complete and all requested documents have been uploaded, we will begin preparing your first round of dispute letters. PLEASE NOTE: Updates are every 35 to 45 days. You will receive a detailed progress report each month!
Sign Up For Self Credit Monitoring >

All Credit Repair Packages

All Credit Plans Include:

✔ 24/7 client portal access
✔ Monthly credit updates
✔ Credit card statement audit
✔ Credit building education
✔ Unlimited disputes

Disclaimer: Rise Financial works diligently to assist clients with improving their credit; however, we cannot guarantee the removal of any specific items from your credit report. Results will vary based on each individual's credit history and circumstances.

The 5 Factors of Credit

35%: Payment History- Make consistent on-time payments to build a strong and positive payment history. This is the largest factor.
30%: Credit Utilization- Keep your credit card balance low. You should aim for a utilization rate below 10%
15%: Length of Credit- Maintain long-standing accounts to demonstrate stability and reliability 
10%: Inquiries- Be aware of hard credit inquiries, they can temporarily lower your score. Mainly for credit cards.
10%: Credit Mix- Diversify your credit portfolio. It is important to have different types of credit accounts such as credit cards, loans, and installments).
Having Trouble Getting Approved For A Credit Card?

Sign up for our credit builder card!

• Safe and Secure
• Reports to all 3 Bureaus
• No Credit Check

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Frequently Asked Credit Questions:
How long does the process take?

By law, the credit bureaus have 30-45 days to investigate your disputes and an additional 7 days to mail you the results of the investigation. Typically, clients see inaccuracies corrected and/or removed within 35-45 days of starting our program. The recommended time frame for completion of credit restoration is 18-24 months. At Rise Financial, it can take less time. We challenge EVERY negative item every month. Please understand that every person’s credit report is different. Time can also vary based on the number of items and the type of negative items on your report.
Who will I talk to if I have questions?

You can email our CEO at risingscores@riseconsulting.
What is the money back guarantee?

Legally we cannot guarantee score increase or specific account deletions. HOWEVER, if you are a client for 3 consistent months and have not disputed any accounts 6 months prior to signing up for our service, you qualify for a full refund.
Do I still owe the debt even if it is removed from my report?

Removing negative items from your credit report DOES NOT remove your obligation to that debt. You are still legally liable for the debt and need to settle it if it is within the statute of limitations in your state. The only legal way to remove yourself from any debt liability is to file bankruptcy. Being told that you are no longer liable for a debt simply because it was deleted from your report is extremely misleading. We do not mislead our clients here at Rise Financial Consulting.
Can I cancel my service at any time? 

Definitely! You can cancel your service at any time. If you happen to reach your credit goals sooner than you anticipated, you can cancel your service. There are no cancellation fees.