Track A
Personal Credit & Wealth
Read your file across all three bureaus, correct what is wrong in it, build the score that decides what capital costs you — and then put that capital to work. Track A of the two-track model, kept entirely separate from your business.
Credit Foundation & Accuracy
Everything downstream — a card, a mortgage, a business loan that does not lean on you — is priced off three files you have probably never read end to end. Start by getting them in front of you and getting them right.
Tri-Bureau Report Review
We walk your Experian, Equifax and TransUnion reports with you, line by line, from the free federally authorised source at annualcreditreport.com. Three bureaus rarely hold the same data, and the differences are where the errors hide.
Talk to a specialistDispute Letter Preparation
Documented inaccuracies get a properly evidenced dispute, prepared for you to send directly to the bureau or furnisher under the Fair Credit Reporting Act. You stay the sender of record — that is what keeps the trail clean.
Talk to a specialistCredit Monitoring Setup
A comparison of the monitoring options — Experian, Aura, PrivacyGuard, Credit Karma, IdentityForce, IDShield, myFICO and bank-built tools such as Chase Credit Journey — and help enrolling in the one that matches your budget and your risk.
Talk to a specialistFICO Score Education
What actually moves the number: payment history at 35%, utilisation, age of file, mix and inquiries. We use your own report as the worked example rather than a generic chart.
Talk to a specialistPersonal Banking Separation
One primary personal checking and savings account, opened and kept structurally apart from any business account you hold now or open later. This is the habit the whole two-track model rests on.
Talk to a specialistEmergency Fund Planning
A written path to one month of expenses first, then three to six. An emergency fund is what stops a bad month from becoming a missed payment, and a missed payment from becoming seven years of history.
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Personal Credit Building
A thin file and a damaged file need opposite moves. We work the one you actually have, and we protect the payment history you have already earned while we do it.
Secured Card & Builder Loan Placement
For a thin or damaged file: matching you to a secured credit card or a credit-builder loan that reports to all three bureaus, usually through a local credit union where the terms are best.
Talk to a specialistUtilisation Optimisation
Getting balances under 10% of each limit and under 30% overall — and, more usefully, paying before the statement closes rather than before the due date, since the statement balance is what the bureaus see.
Talk to a specialistPayment History Protection
An audit of every recurring bill with at least the minimum on autopay. Payment history is 35% of your score and the only component you cannot repair quickly once it is damaged.
Talk to a specialistCredit Age & Account Strategy
Which old accounts to keep open and why, before you close the card you no longer use and shorten the average age of your entire file.
Talk to a specialistCredit Mix Planning
Diversifying revolving and installment credit over time — but only where the borrowing makes financial sense on its own terms. Opening debt to chase a score is a trade that rarely pays.
Talk to a specialistSemi-Annual File Review
A standing review of all three reports twice a year, so new errors, new inquiries and identity issues surface in months rather than at the moment you apply for something.
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Wealth Building & Protection
Credit is the cost of capital. Wealth is what you do with it. This is the ongoing side of the personal track — retirement, investing, insurance and the paperwork that decides where it all goes.
Retirement Account Education
The employer match first because it is free money, then the self-employed options — a Solo 401(k) or a SEP-IRA — with the contribution limits and deadlines that apply to each.
Talk to a specialistRoth vs. Traditional IRA Review
How the two are taxed, which one the arithmetic favours at your current and expected income, and the income limits that decide whether the choice is even open to you.
Talk to a specialistTaxable Brokerage Planning
Investing beyond the retirement contribution limits — account types, the index-fund case, and why annual index reconstitution is a feature rather than something to trade around.
Talk to a specialistIncome Protection Review
Whether term life insurance belongs in your plan, and how much, if other people depend on the income you earn.
Talk to a specialistEstate & Beneficiary Basics
A beneficiary audit across every account and a simple will. Beneficiary designations override a will, which is exactly why the stale ones cause the most damage.
Talk to a specialistPersonal Wealth Blueprint
The whole personal track written down in order — foundation, building, wealth — with dates against each step so it is a plan you work rather than a list you read.
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