Credit Counseling & Credit Restoration
Rebuild Your Credit. Regain Control. Move Forward With Confidence. Your credit affects more than your ability to obtain a credit card. It can influence housing, transportation, insurance costs, interest rates, business opportunities and your overall financial confidence. At REBORN Financial & Business Services, we provide personalized credit counseling, debt-management guidance and credit-repair assistance designed to help you understand your credit, address legitimate reporting concerns and build healthier financial habits. We do not offer empty promises or overnight fixes. We provide education, organization, strategic support and a clear action plan based on your individual credit profile. Your past does not have to control your financial future. Let’s build your comeback.
More Than Credit Repair
Credit repair focuses on identifying and addressing information that may be inaccurate, incomplete, outdated or unverifiable. Credit counseling looks at the bigger financial picture—including your budget, payment history,
debt balances, credit utilization and financial habits.
REBORN combines both services to help you:
- Understand what appears on your credit reports
- Identify potential reporting errors
- Organize supporting documentation
- Prepare appropriate credit disputes
- Build a realistic monthly budget
- Develop a personalized debt-payoff strategy
- Improve payment and utilization habits
- Communicate more effectively with creditors
- Establish goals for rebuilding and maintaining credit
- Make informed financial decisions moving forward
Our purpose is not simply to send letters. We want you to understand your credit and develop a
stronger foundation for long-term financial success. ⸻
Budget Counseling
Credit improvement is difficult without a realistic spending plan.
We help you examine:
* Monthly income
* Essential household expenses
* Minimum debt payments
* Past-due obligations
* Discretionary spending
* Emergency-savings goals
* Upcoming financial obligations
* Areas where spending may be adjusted
Your budget should be realistic, sustainable and designed around your actual life—not an impossible plan that you cannot maintain.
Debt-Payoff Planning
Not every debt should be handled the same way. We help you organize your obligations and evaluate possible payoff strategies.
Your personalized plan may consider:
* Account balances
* Interest rates
* Minimum payments
* Delinquency status
* Collection activity
* Available monthly income
* Secured versus unsecured debt
* Snowball and avalanche payoff methods
* Accounts that may require immediate attention
* The potential effect of different actions on your financial goals
We provide education and strategic guidance. Results depend on your financial circumstances,
creditor policies and consistent participation.
Creditor Communication Support
Communicating with creditors can be intimidating, especially when accounts are past due or in
collections.
Our Credit Repair Services
Credit-Report Analysis
We carefully review available credit reports to identify items that may require additional
investigation.
Potential concerns may include:
* Accounts that do not belong to you
* Incorrect names, addresses or personal information
* Duplicate accounts
* Incorrect account balances
* Incorrect payment histories
* Accounts reported with the wrong status
* Closed accounts reported as open
* Payments incorrectly reported as late
* Reinserted information
* Outdated information
* Mixed-file information belonging to another consumer
* Accounts potentially connected to identity theft
* Information that may be incomplete or unverifiable
PACKAGES & PRICING
ESSENTIAL
For clients needing a focused review and limited authorized service scope.
$299
- Client intake and file setup
- Credit-file review within the selected scope
- Identification of documented items for review
- Preparation of authorized dispute work supported by client information
- Case-status tracking
- Results review and client summary
- 1 Round of Dispute
PLUS
For clients needing a broader review and additional documented account work.
$499
- Everything in ESSENTIAL
- Expanded credit-file review
- Review of additional documented accounts/items within the authorized scope
- Supporting-document review
- Additional case tracking and status updates
- Results review and completion summary
- 3 Rounds of Dispute
ONE-TIME PAYMENT STRUCTURE
A package may be sold as a one-time fee only when the payment timing and collection method comply
with the applicable credit-repair laws. Under CROA, a credit repair organization generally may not
demand or receive payment for covered services before those promised services are fully performed.
Therefore, & one-time payment does not mean & collect the entire fee upfront & The approved contract and
payment workflow must specify when the fee becomes due.
PACKAGE COMPARISON
$299 | PLUS: $499
Final package scope should be stated in the signed written contract, including the detailed services,
payment terms, total amount, and estimated completion period. CROA requires these contract elements
for covered credit-repair services.
IMPORTANT CLIENT-FACING LANGUAGE
REBORN does not guarantee a specific credit-score increase, removal of accurate/current information,
approval for credit, or any other particular financial result. Services are limited to the scope stated in the
client's written agreement.
Frequently Asked Questions
Can you guarantee that my credit score will increase?
No. Credit scores are calculated using information in your credit files and proprietary scoring
models. No ethical company can guarantee a particular score increase.
Can you remove all negative information?
No. Accurate, current and verifiable negative information generally cannot legally be removed
simply because it is unfavorable. Credit repair addresses information believed to be inaccurate,
incomplete, outdated or unverifiable.
Can I dispute credit-report errors myself?
Yes. Consumers have the right to dispute inaccurate credit-report information directly and free of
charge. Professional assistance is optional.
How long does credit repair take?
There is no universal timeline. The process depends on the number and type of concerns,
documentation, response times and whether follow-up is appropriate. Credit improvement can
also depend on payment history, balances, utilization and other ongoing activity.
When do consumer reporting companies respond?
Qualifying credit-report disputes are generally investigated within approximately 30 days,
although some circumstances may permit up to 45 days. Processing and report updates may
take additional time.
Do you guarantee deletions?
No. REBORN does not control investigation results and cannot guarantee that an account or
item will be deleted, modified or suppressed.
Will paying a collection automatically remove it?
Not necessarily. Paying a collection may change its balance or status, but it does not
automatically guarantee deletion. Before paying, review the account details and request written
information concerning any proposed arrangement.
Do you negotiate settlements?
Credit counseling and communication assistance do not automatically include debt-settlement
negotiations or legal representation. Any additional service must be specifically offered and
described in a separate written agreement.
Will checking my credit hurt my score?
Reviewing your own credit report is generally considered a soft inquiry and does not typically
affect your credit score.
