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
Not sure which is right for you? Start with the $39 strategy review - it's a 15-minute call designed to answer exactly that question.
🎯
Monthly Consulting
$197 / month · Cancel Anytime
One 30-minute strategy call per month plus ongoing support as your credit profile changes and evolves. This is where real, lasting progress happens.
-
Monthly 30-min strategy call
-
Credit report analysis & monitoring
-
Utilization, timing & account guidance
-
Dispute strategy when appropriate
-
Guidance between sessions
-
No contracts — cancel anytime
What's Included
What Monthly Consulting Actually Looks Like
Here's what you get every month when you're enrolled in the $197/month consulting program.
📞
Monthly Strategy Call
One scheduled 30-minute strategy call every month. We review your credit profile, talk through what changed, and adjust the plan based on where you are now — not where you were 3 months ago.
📊
Credit Monitoring & Analysis
We track your credit report activity and flag anything that needs attention. Score changes, new accounts, utilization shifts — nothing important slips through between sessions.
📝
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.
💬
Guidance Between Sessions
Credit decisions don't wait for your next monthly call. You get support between sessions when time-sensitive decisions come up — like whether to open a new card or pay down a specific account.
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