OUR SERVICES
Credit Optimization & Strategy Consulting
Ongoing credit consulting for individuals who want to understand, improve, and correctly position their credit — no quick fixes, no promises we can't keep.
How We Work Together
Choose Your Starting Point
Start with the $39 Initial Credit Consultation: a 15-minute discovery conversation about your concerns, goals, and next steps.
What's Included
What Monthly Consulting Actually Looks Like
$89/month for consulting performed during the preceding month, after approved enrollment.
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Report Reviews & Progress
We review client-provided credit reports and relevant correspondence, discuss changes, and help identify practical next steps for your priorities.
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Your Enrollment Path
Successfully complete the $39 consultation, receive BYB approval, then review and sign the required documents before enrollment proceeds.
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Dispute Strategy When Appropriate
Disputes are used intentionally — not automatically. When a dispute makes sense within your broader credit strategy, we handle the correspondence and guide the process.
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Setup & Monthly Billing
The separate $199 fee is requested only after agreed setup work is fully performed and legally payable. $89 billing begins the following month, on your authorized 1st or 15th, for prior-month services.
No Surprises
What We Don't Promise
We don't guarantee specific score increases or timelines. Credit improvement depends on your individual profile, your behavior, and how credit bureaus respond. Anyone who promises you a specific outcome is not being straight with you.
What we do promise: clear guidance, honest expectations, and someone in your corner who actually knows what they're talking about. You stay enrolled because it's working — not because you're locked in.
"We focus on education, thoughtful decision-making, and ongoing support — so clients can avoid costly mistakes and use credit as a tool for long-term opportunity."
— BYB Credit Consultants Mission