Fix. Build. Fund.
Get your credit and funding back in shape.
Done-for-you credit repair and business funding guidance for people who'd rather have it handled.
Find your starting pointTakes 30 seconds. Or go straight to onboarding.
No upfront fees for credit repair. Cancel within 3 business days.Where to start
Repair first, or ready for funding?
Answer 5 quick questions and we'll point you to the right starting point.
What we do
Two ways we help.
Credit repair
We review your reports from all three bureaus and dispute items you believe are inaccurate, incomplete, or unverifiable.
- Three-bureau report review
- Disputes sent and tracked in rounds
- Coaching to build positive credit
Accurate information can't be removed, and results vary. We don't promise specific deletions or score increases.
Start with credit repair →Business funding
We look at your personal and business credit together and help you get ready to apply for the right funding.
- Fundability review
- Business credit setup
- Funding strategy and application prep
CrediCoach is not a lender. Approvals and terms are decided by lenders and are not guaranteed.
Start with funding →
Meet the founder
Hi, I'm Southern.
Before CrediCoach, I spent years in life insurance and Medicare sales, working one-on-one with families. Over and over, I saw credit hold good people back.
I started CrediCoach to fix that with done-for-you service and straight answers. Today I run it while traveling full-time with my wife and kids, and every client still gets real attention from our team.
Southern · Founder, CrediCoach
For credit repair, you're billed only after the work is performed.
Services, total cost, and timeline are spelled out before we start.
Cancel for any reason within 3 business days of signing, no penalty.
Referral partners
Send us your declined clients.
Lenders, realtors, and dealers: we work their credit and send them back ready to apply.
FAQ
Straight answers.
Do I pay anything upfront?
Not for credit repair. Signing up is free, and you're billed only after the work for each period is done, as stated in your written agreement.
How long does it take?
It depends on your reports. Bureaus generally have 30 days to investigate each dispute, so most files take a few rounds over several months.
Can I do this myself?
Yes. You can dispute inaccurate information with the credit bureaus directly, for free. We're here for people who'd rather have it done for them.
How much does it cost?
Pricing is based on your situation, so every plan is custom. You'll see the full cost in your written agreement before any work starts, and for credit repair you're only billed after the work is performed.
Will this hurt my credit score?
No. Disputing items on your reports doesn't lower your score. If you apply for funding later, lenders may run hard inquiries, which is why we help you plan when and where to apply.
What do I need to get started?
Just fill out the onboarding form. You'll connect a credit monitoring account so we can see all three of your reports, and we'll take it from there.
How will I know what's happening?
We'll text you when your disputes go out and keep you updated as the bureaus respond.
Do you guarantee results?
No, and no one legally can. Results depend on what's on your reports and how the bureaus and creditors respond. What we can promise is that we'll do the work and keep you informed.
Can I cancel?
Yes. You can cancel your agreement for any reason within 3 business days of signing it, with no penalty. Your agreement also explains how to cancel after that.
Your credit file rights (federal disclosure)
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference BranchFederal Trade Commission
Washington, D.C. 20580
Ready to get started?
The onboarding form is free and takes about 10 minutes.