top of page
FAQ
Frequently Asked Questions
Straight answers to the questions we hear most often. If you don't find yours here, email us at support@bybcreditconsultants.com
Credit Consulting
"Still have questions?"
Start with the $39, 15-minute Initial Credit Consultation to discuss your current concerns, goals, and next steps.
Working With Us
Signing Up & Getting Started
Start with the $39 Initial Credit Audit, including a 15-minute call to review your credit reports, identify priorities, and discuss next steps. Obtain and provide your reports from AnnualCreditReport.com before your appointment. If you want a personalized written action plan, choose the $197 one-time Credit Strategy Session. Ongoing Monthly Credit Consulting is $89/month. IdentityIQ and paid credit monitoring are not required.
Monthly Credit Consulting is $89/month and includes one scheduled 30-minute strategy call per month, plus guidance between sessions. Clients obtain and provide their own credit reports from AnnualCreditReport.com. Monthly clients provide updated reports each month. IdentityIQ and other paid credit monitoring are not included or required.
Yes — always. There are no contracts, no lock-ins, and no cancellation fees. You stay enrolled because the service is helping you. Cancel anytime prior to your next billing cycle.
The Credit Strategy Session is $197 one-time and includes a 75-minute session and personalized written action plan. Monthly Credit Consulting is $89/month and includes one 30-minute strategy call each month, credit report review, and guidance between sessions. Clients obtain and provide their own credit reports from AnnualCreditReport.com. Monthly clients provide updated reports each month. IdentityIQ and other paid credit monitoring are not included or required.
Results & Expectations
Timelines & Outcomes
No — and we're upfront about that. Credit improvement depends on your individual profile, your behavior, and how credit bureaus respond. Anyone who promises you specific outcomes is not being straight with you. What we offer is clear guidance, honest expectations, and work that's genuinely worth the investment.
Every credit situation is different. Many clients begin to see movement within 45–60 days of implementing their strategy. Meaningful, lasting improvement typically develops over 6–9 months of consistent effort. We recommend committing to that timeline to see significant changes.
Initial Credit Audit: $39 one-time. Credit Strategy Session with a personalized action plan: $197 one-time. Monthly Credit Consulting: $89/month with no setup or enrollment fee. Clients obtain and provide their own credit reports from AnnualCreditReport.com. Monthly clients provide updated reports each month. IdentityIQ and other paid credit monitoring are not included or required.
Products & Privacy
Digital Products & Policies
We offer educational e-books and practical templates designed to support credit understanding at your own pace. These complement consulting — they don't replace it. Visit the DIY & Resources page to browse what's available.
After purchase, you'll receive instant access instructions via email. Resources can be accessed and used across multiple devices at your own pace.
Digital product sales are final and non-refundable due to the nature of the product. Consulting services are month-to-month — you may cancel prior to your next billing cycle. Payments already processed for completed services are not refundable.
Yes. We use standard encryption and security measures to protect your information. We do not sell, rent, or share personal information with third parties for marketing purposes. All client information is handled confidentially in accordance with applicable privacy standards.
Digital Products & Policies
We offer educational e-books and practical templates designed to support credit understanding at your own pace. These complement consulting — they don't replace it. Visit the DIY & Resources page to browse what's available.
After purchase, you'll receive instant access instructions via email. Resources can be accessed and used across multiple devices at your own pace.
Digital product sales are final and non-refundable due to the nature of the product. Consulting services are month-to-month — you may cancel prior to your next billing cycle. Payments already processed for completed services are not refundable.
Yes. We use standard encryption and security measures to protect your information. We do not sell, rent, or share personal information with third parties for marketing purposes. All client information is handled confidentially in accordance with applicable privacy standards.
About Credit Consulting
A credit consultant helps you understand your credit report, identify opportunities for improvement, and make intentional decisions that strengthen your credit positioning over time. At BYB, we focus on education, analysis, and strategy — not just dispute-filing.
We assess your credit profile, provide education on how credit is evaluated, and offer ongoing guidance so you make informed decisions. Our support focuses on strategy rather than quick fixes or automated processes.
No. Our services are designed for anyone who wants clarity and strategy — whether you're building credit from scratch, recovering from past issues, or maintaining a good profile and want to optimize it further.
Traditional credit repair focuses heavily on disputing items and hoping things disappear. We focus on education, strategy, and intentional decision-making so you understand what's happening and why. Disputes are used when they make strategic sense — not as an automatic first step.
Yes. All sessions are conducted online so we work with clients nationwide. Our address in Coral Springs, FL is our registered business location — you don't need to be local.
bottom of page