Repair Your Credit Yourself with Higher Up Financial Solutions

Before you spend hundreds—or even thousands—of dollars on credit repair, make sure you actually need it.

I created Higher Up Financial Solutions, a do-it-yourself credit dispute software that helps you review your credit reports, identify questionable negative information, and prepare your own dispute letters without paying expensive credit-repair fees.

Do You Need Credit Repair or Credit Maintenance?

Not everyone with a low credit score needs credit repair.

If you do not have inaccurate collections, charge-offs, late payments, medical debt, or accounts that do not belong to you, you may simply need credit maintenance.

Your score could be affected by:

  • High credit-card balances
  • High credit utilization
  • Maxed-out cards
  • Accurate late payments
  • Too many recent credit applications
  • Newly opened accounts
  • A short or limited credit history

Disputing accounts will not fix high utilization or excessive debt. In those situations, lowering your balances, paying on time, and avoiding unnecessary applications may help more than credit repair.

When the DIY Software May Help

Higher Up Financial Solutions may help if your Equifax, Experian, or TransUnion reports contain information that is:

  • Inaccurate or incomplete
  • Duplicated or outdated
  • Reporting an incorrect balance or status
  • Connected to identity theft
  • Not yours
  • Unable to be verified

The software automatically identifies negative accounts and provides recommended dispute options based on the information appearing on your reports. You review the information and select the accounts you genuinely believe should be investigated.

How Higher Up Financial Solutions Works

  1. Create your account. Enroll and purchase the three-bureau credit-report subscription. The current price is $39.99 per month.
  2. Review your reports. Access information reported by Equifax, Experian, and TransUnion.
  3. Select questionable information. Choose the accounts you believe are inaccurate, incomplete, duplicated, outdated, or unverifiable.
  4. Create your letters. The software helps you prepare dispute letters in just a few minutes.
  5. Send your letters. Download, email, print, and mail the letters yourself. You may also pay an additional fee for a third-party company to print and mail them for you.
  6. Review your results. Credit bureaus generally investigate disputes within 30 days, although certain investigations may take up to 45 days. The software allows you to update your reports and prepare another appropriate round of letters every 30 days.

The program is available in all 50 states.

Please Run From False Promises

If someone promises to remove everything from your credit report, please run! We are not making those kinds of promises over here.

No credit-repair specialist has a magic button that allows them to personally delete accounts from your reports. Only the credit bureaus and companies furnishing the information can correct or remove it after an investigation.

Accurate, current, and verifiable negative information generally cannot be legally removed simply because it is hurting your score. Anyone guaranteeing the removal of every collection, charge-off, late payment, or bankruptcy may be trying to take your money—or using questionable and possibly illegal methods.

What Happens After You Dispute an Account?

Filing a dispute does not automatically or permanently erase an account.

The account may remain visible with a notation showing that it is being disputed. Some credit-scoring models may temporarily exclude certain disputed information during the investigation, which can sometimes cause a temporary score change.

If the information is inaccurate or cannot be verified, it may be corrected or removed. If the company verifies it as accurate, it may remain on—or return to—your report.

Do not let anyone show you a temporary score increase and claim that everything was permanently deleted. Always wait for the final investigation results.

Use My Credit Guide Alongside the Software

For additional guidance, look for my e-book in the Digital Shop:

Credit, Leverage & Financial Power: A Strategic Guide to Repair, Rebuild & Expand
By Shon Laquan

The book provides additional information about reviewing your credit, rebuilding your profile, understanding the dispute process, avoiding common mistakes, recognizing misleading promises, and using credit more strategically.

Use the e-book as your guide while working through the Higher Up Financial Solutions DIY software.

Take Control of Your Credit

The goal is not to sell you a dream or promise overnight results. The goal is to give you practical tools that help you understand your reports and take action for yourself.

Click the button below to get started with Higher Up Financial Solutions.

READY TO WORK ON YOUR CREDIT? CLICK HERE TO START YOUR DIY CREDIT DISPUTE
The Resource Plug avatar points to a button that says, “Click here to purchase the credit guide.” The featured e-book is Credit, Leverage & Financial Power by Shon Laquan.
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Higher Up Financial Solutions does not guarantee deletions, credit-score increases, financing approvals, or any particular result. You have the right to dispute credit-reporting errors directly with the credit bureaus for free. This optional software provides three-bureau credit reports, account-review tools, recommended dispute options, and assistance creating dispute letters.