Free evaluation
We review your report from all three bureaus with you and explain, in simple terms, what is affecting your credit.
No cost, no obligation
FREE Credit evaluation
Your credit, reviewed by experts. FREE evaluation.
Leave your details and we'll message you on WhatsApp or by text. No cost, no obligation.
We review your report with you, explain in plain language how lenders read your report, and give you a clear plan to clean up and build your credit. No cost, no obligation.
- We review your report with youExperian, Equifax, and TransUnion, item by item.
- A clear plan for your goalHome, car, business, or starting from scratch.
- With an SSN or an ITINBilingual service: English and Spanish.
From debt to income
- English & Spanish service
- We work in compliance with CROA, FCRA, and Florida law
- No upfront fees: $150 per account deleted or corrected
- Orlando, Florida company
Our founder
Our founder's credit
Founder's personal credit. Not a client result.
TransUnion 721 · Equifax 715
TransUnion 701 · Credit Karma
Experian 724 · Equifax 766 · TransUnion 746
TransUnion 730 · Equifax 731
Founder's personal credit. Not a client result. It does not represent what you can expect and is not guaranteed. Credit Karma scores are VantageScore 3.0 and may differ from the FICO scores many lenders use. Insight Credit Consultants does not make loans or issue cards: each bank decides on approval and its terms. The brands shown belong to their owners; there is no affiliation or sponsorship.
How it works
Three steps, no runaround
You always know what we're doing and why.
A clear plan and contract
If you decide to move forward, you sign a written contract. We charge nothing upfront: $150 per account deleted or corrected, regardless of how many bureaus, only after the result. You pay only once the change appears on your report. Your contract states the maximum total. You may cancel within 5 business days after signing, at no cost.
No upfront feesDisputes and credit building
We prepare disputes for anything that is inaccurate or cannot be verified, and we guide you in adding positive credit. We keep you informed of every response.
From debt to income
Digital guides
Learn at your own pace with our guides
Step-by-step educational material to help you understand and take care of your credit.
Guide 01
Build your credit from scratch
FROM DEBT TO INCOME
Build your credit from scratch
How to start your credit history and which products help you build positive credit.
- Secured cards and credit builder products
- How to keep your utilization low
Guide 02
Credit with an ITIN
FROM DEBT TO INCOME
Credit with an ITIN
Options to open and build your credit history if you use an ITIN. Information current as of [MM/YYYY]; each bank decides whether to approve you.
- How to check which banks and issuers accept an ITIN
- Common mistakes to avoid
Guide 03
Credit for your business
FROM DEBT TO INCOME
Credit for your business
The steps for your LLC to have its own business credit profile.
- EIN, DUNS, and Net 30 accounts
- What Paydex is and how to protect it
The guides are educational products. They are not a credit repair service or legal or financial advice, and they do not guarantee approvals or score increases.
Frequently asked questions
What people ask us most
Is the evaluation really free?
Yes. We review your situation with you at no cost and with no obligation. If you later decide to hire a service, we explain everything in writing before you sign.
Do you guarantee results?
No. No one can legally guarantee that information will be removed from your report, that your score will go up by a specific amount, or that a bank will approve you for a loan or a card. Negative information that is accurate and verifiable may remain on your report. What we do give you is honest, transparent work that follows the law.
When do I pay, and can I cancel?
The evaluation is free. If you hire the service, we charge nothing upfront: $150 per account deleted or corrected, regardless of how many bureaus, only after the result. You pay only once the change appears on your report. Your contract lists the accounts and the maximum total. We do not guarantee results. You may cancel within 5 business days after signing, at no cost. There is no penalty. The details are in your contract and in our Terms.
Do you work with ITIN holders?
Yes. Many people with an ITIN have a credit history or can start building one. We review your case and guide you on the options available to you, including business credit for your company.
How long does the process take?
It depends on each case. Generally, the bureaus have 30 days to investigate a dispute (up to 45 in some cases). In the evaluation, we give you a plan with the expected timelines for your situation.
Can I dispute on my own?
Yes. You have the right to dispute inaccurate or incomplete information directly with Equifax, Experian, and TransUnion, and with the company that reports the account, at no cost. You can also file a free complaint with the CFPB at consumerfinance.gov. Everything we do, you can do yourself; our job is to save you time, organize the process, and support you every step of the way.
Take the first step today
Your home, car, or business goal starts with a free evaluation
We reply on WhatsApp or by text, in English or Spanish.