Most Indianapolis clients see measurable score improvements within 45 to 60 days of starting. Full repair timelines depend on the number and severity of negative items. Collections, late payments, and medical debt from Indianapolis-area providers typically take two to four months to work through. We give you a realistic estimate at your free consultation.

Yes. Many of our clients come to us specifically to qualify for home purchases in Indianapolis, Meridian Hills, Pike Township, and surrounding areas. Whether you are targeting a $150K home in Lawrence or a $400K home near Geist, we build your credit profile backward from the lender requirement you need to hit.

Absolutely. Medical debt from providers like IU Health, Community Health Network, and Eskenazi Hospital is one of the most common credit issues we see in Indianapolis. Recent FCRA rule changes also provide extra protections for medical debt. We dispute inaccurate medical collections aggressively and look for every reporting error and legal angle available.

Most companies send the same letter to every client and count on volume. We write every dispute from scratch based on what is specifically wrong with your account and which law the bureau or creditor is failing to meet. You work directly with Josh. No handoffs. No call centers. Every update is custom-written for your goals.

Most conventional loans require a 620 to 640 minimum, but to get the best rates in Indianapolis's housing market you will want 720 or higher. FHA loans are available at 580 with a larger down payment. We work backward from your target score and build a 90 to 180 day roadmap to get you there.

We meet with every client in person before starting any service. After that initial consultation, we work with clients remotely across all of Indiana. Everything after the first meeting is handled via phone, email, and your monthly updates. You do not have to travel to every appointment.