Professional credit repair strategies designed to help remove inaccurate negative items, rebuild your credit profile, and put you on the path toward financial freedom.
Credit Profile
Illustrative example only
100+ Clients Served
Nationwide since 2019
100+
Clients Served
300+
Negative Items Disputed
50–150*
Avg. Point Improvement
*Results vary by client. Past results do not guarantee future outcomes. Every credit profile is unique.
We work with data from the three major credit bureaus
Bureau names are used for descriptive purposes only. Capital Service Consulting is not affiliated with or endorsed by Experian, Equifax, or TransUnion.
We combine credit expertise with genuine, personal service — so you always know exactly where you stand.
Our team focuses exclusively on credit — staying current on consumer credit law and dispute best practices so your case is handled with real expertise.
No two credit profiles are alike. We build a custom strategy around your specific report, goals, and timeline — not a one-size-fits-all template.
You'll always have a clear line to your consultant — questions answered quickly, so you're never left wondering about the status of your case.
Ongoing coaching calls to help you understand your credit report, build healthy habits, and stay on track between dispute rounds.
Looking to build credit for your company? We offer dedicated business credit-building guidance alongside personal credit services.
Based in Philadelphia and proudly serving clients in all 50 states, entirely by phone, video, and secure online client portal.
From dispute strategy to business credit, every service is designed around transparency and education.
We help identify and challenge inaccurate, outdated, or unverifiable items on your credit reports through formal dispute correspondence.
Get StartedA full breakdown of your current credit report and score factors, so you understand exactly what's helping and hurting your profile.
Get StartedOne-on-one education on how credit works, how to manage utilization, and how to build habits that support long-term progress.
Get StartedGuidance on establishing and building a business credit profile that's separate from your personal credit history.
Get StartedWe help you choose and interpret credit monitoring tools so you can track changes to your reports in real time.
Get StartedA free, no-pressure call to review your goals, answer questions, and determine which plan fits your situation best.
Get StartedOur most intensive dispute package, built for clients who want to move quickly. A single one-time payment covers a minimum of four months of service with at least four rounds of disputes, plus one-on-one credit coaching throughout.
Package Includes
Item Types We Address
No hidden fees. Cancel anytime on the monthly plan. Every plan includes full access to our dispute and coaching process.
Pricing reflects service fees for our consulting work. Results vary and are not guaranteed. See our full disclaimer below.
A clear, guided path from your first call to ongoing progress updates.
Select the one-time or monthly plan that best fits your budget and goals.
Securely share your information through our client portal so we can review your credit profile.
We review your full report with you and build a personalized dispute and coaching strategy.
We prepare and send dispute correspondence on your behalf and track responses from the bureaus.
Ongoing check-ins to review results, answer questions, and adjust strategy as your case progresses.
A stronger credit profile can open doors across nearly every part of your financial life.
A stronger profile may help you qualify for more competitive mortgage terms.
Lenders often extend larger limits to applicants with well-established credit histories.
Improved credit standing can translate to lower rates across loans and credit lines.
Landlords frequently review credit history as part of the rental application process.
Personal and business credit history can factor into small business financing decisions.
Credit health is a key factor lenders weigh when determining auto loan terms.
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Clients Served
0
Negative Items Disputed
0–0*
Avg. Point Improvement
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Years Experience
*Individual results vary. Not a guarantee of any specific outcome.
Every credit journey is different. Here's what a few of our clients experienced — individual results vary.
Darnell H.
Philadelphia, PA
"I'll be honest, I was skeptical at first — figured it was one of those services that just takes your money. But they actually broke my report down line by line and told me straight up what could realistically be disputed. Took a few months, but I started seeing changes on my TransUnion report before the other two caught up."
Reported change: +91 pts*
Jasmine T.
Philadelphia, PA
"I called around to like four different places before I picked them. Honestly what sold me was that the monthly calls actually happen. I've paid other people before who just went quiet on me after the first payment."
Reported change: +58 pts*
Andre W.
Newark, NJ
"My credit got messy after a divorce, collections popping up all over the place. Nobody promised me it would all disappear, they just said we'd chip away at it a little at a time. That's pretty much exactly what happened over about five months."
Reported change: +132 pts*
Keisha B.
Jersey City, NJ
"Needed my score up before applying for a new apartment out here and rent in JC does not play. They got back to me quick every single time I texted or emailed, which honestly is rare these days."
Reported change: +47 pts*
Terrence M.
Brooklyn, NY
"Did the business credit coaching too since I've got an LLC. Learned more about tradelines in two calls than I picked up on my own after three years of just winging it."
Reported change: +103 pts*
Nia R.
Baltimore, MD
"Between some old medical bills and a repo from years back, my report was a wreck. Not everything came off, they were upfront about that from the start, but a good chunk did. Bigger thing is I actually understand what's on there now instead of being scared to look."
Reported change: +76 pts*
*Testimonials reflect individual client experiences and reported outcomes. Results vary and are not guaranteed. Names may be abbreviated to protect client privacy.
Don't see your question? Reach out — we're happy to help.
Timelines vary based on your credit profile and the number of items being addressed. Many clients begin seeing report updates within a few billing cycles, though every case is unique and there is no fixed timeline we can promise.
No. By law and by principle, we cannot and do not guarantee specific score increases, item removals, or approval odds for any credit product. What we guarantee is a diligent, transparent process and honest communication throughout.
After your free consultation, you'll choose a plan, complete onboarding, and go through a full credit review with your consultant. From there, we develop a dispute strategy, begin submitting disputes, and meet monthly to review progress.
We focus on items that appear to be inaccurate, outdated, incomplete, or unverifiable. This can include things like collections, hard inquiries, charge-offs, delinquent accounts, late payments, repossessions, evictions, and ChexSystems entries. Accurate items generally cannot be removed simply because they are negative.
Yes. Our monthly plan can be cancelled at any time with no long-term contract. Details on cancellation are outlined in your client agreement provided at onboarding.
You'll have monthly strategy calls as part of every plan, plus email and phone support in between for questions. We aim to respond to client inquiries promptly during business hours.
Yes. Consumers have the legal right under the Fair Credit Reporting Act (FCRA) to dispute inaccurate or unverifiable information on their credit reports. We operate in compliance with the Credit Repair Organizations Act (CROA).
Yes. While our office is based in Philadelphia, we serve clients in all 50 states entirely by phone, video call, and our secure online client portal.
Submitting a dispute itself does not lower your score. Scores can fluctuate for many reasons during the process, including normal reporting activity unrelated to our work.
It's guidance on establishing your business as its own credit entity — covering topics like EIN registration, business credit bureaus, and vendor tradelines. It does not guarantee approval for any specific funding or credit line.
Simply book your free 20-minute consultation using the form below, or call us directly at (267) 945-6969. We'll walk you through your options with no obligation.
Tell us a bit about your situation and a credit consultant will reach out to schedule your free 20-minute call.