FIND OUT WHAT'S REALLY HURTING YOUR CREDIT

Your credit score is only the symptom. Your credit report tells the full story.

If you've been watching your score go up and down without understanding why, it's time to stop guessing.

Our credit repair program is designed to help identify areas of your credit profile that may need attention and provide a clear strategy for moving forward.

DOES THIS SOUND FAMILIAR?

You check your credit score...

Then check it again...

And somehow YOU'RE STILL ASKING:

“What am I supposed to fix first?”

MAYBE YOU...

• Have COLLECTIONS you don't know what to do with

• Keep getting DENIED FOR CREDIT

• Have OLD LATE PAYMENTS reporting

• Are carrying HIGHCREDIT CARD BALANCES

• Have CHARGE-OFFS on your reports

• See accounts or information you DON'T RECOGNIZE

• Don't know which accounts are AFFECTINGYOUR CREDIT the most

• Have disputed before WITHOUT GETTING THE RESULTS you expected

• Want to prepare for a HOME, CAR, APARTMENT, or ANOTHER FINANCIAL GOAL

The problem isn't always that you're doing nothing.

Sometimes you simply DON'T HAVE A CLEAR STRATEGY.

A Smarter Approach To Credit

YOUR CREDIT NEEDS A STRATEGY — NOT RANDOM DISPUTES

Sending dispute letters without understanding your full credit profile can leave you frustrated and confused.

Our process starts with the bigger picture. We review your credit profile to help identify the areas that may need attention.

01

CREDIT REPORTING CONCERNS

Information that may appear inaccurate, incomplete, inconsistent, duplicated, or otherwise questionable.

02

HIGH CREDIT UTILIZATION

Balances that may be putting unnecessary pressure on your credit scores.

03

PAYMENT HISTORY

Late payments and other payment-history concerns affecting your overall profile.

04

COLLECTIONS & CHARGE-OFFS

Accounts that may require additional review and a specific strategy.

05

CREDIT MIX & ACCOUNT HISTORY

How the age and types of accounts on your reports may affect your overall credit profile.

06

RECENT CREDIT ACTIVITY

Hard inquiries and newly opened accounts that may influence your scores.

The goal is simple: understand the problem before trying to solve it.

Build My Credit Plan
Credit Repair Programs

CHOOSE THE CREDIT REPAIR PLAN THAT FITS YOU

Your credit journey is personal. Choose the level of support that works best for where you are today.

3 Credit Review & Dispute Rounds

3-ROUND CREDIT REPAIR PROGRAM

$139

A focused option for clients who want professional assistance reviewing and addressing areas of concern on their credit reports.

YOUR PROGRAM INCLUDES:

  • ✓ Personalized Credit Report Review
  • ✓ Up to 3 Credit Review & Dispute Rounds
  • ✓ Personalized Dispute Strategy
  • ✓ Dispute Preparation & Assistance When Appropriate
  • ✓ Credit Education & Guidance
  • ✓ Progress Review
  • ✓ Client Portal Access
  • ✓ Ongoing Client Support During Your Program
Start My 3-Round Program
More Support
6 Credit Review & Dispute Rounds

6-ROUND CREDIT REPAIR PROGRAM

$249

A more comprehensive option for clients who want additional rounds of review, dispute assistance, and ongoing guidance.

YOUR PROGRAM INCLUDES:

  • ✓ Personalized Credit Report Review
  • ✓ Up to 6 Credit Review & Dispute Rounds
  • ✓ Personalized Dispute Strategy
  • ✓ Dispute Preparation & Assistance When Appropriate
  • ✓ Credit Education & Guidance
  • ✓ Credit Utilization Guidance
  • ✓ Progress Tracking
  • ✓ Credit-Building Recommendations
  • ✓ Client Portal Access
  • ✓ Ongoing Client Support During Your Program
Start My 6-Round Program

Individual results vary. Credit repair services do not guarantee deletions, a specific credit score increase, or a specific outcome. Accurate and timely information may remain on a consumer's credit report.

Know What May Need Attention

WHAT MAY BE ELIGIBLE FOR DISPUTE OR REMOVAL?

Not every negative item can or should be removed. However, information that appears inaccurate, incomplete, duplicated, outdated, unverifiable, or reported incorrectly may warrant additional review or dispute.

✓ Collections
✓ Charge-Offs
✓ Late Payments
✓ Repossessions
✓ Foreclosures
✓ Hard Inquiries
✓ Medical Collections
✓ Duplicate Accounts
✓ Incorrect Balances
✓ Accounts That Aren't Yours
✓ Incorrect Account Statuses
✓ Reporting Inconsistencies

EVERY CREDIT REPORT IS DIFFERENT

Our team reviews your individual credit profile to identify information that may require additional investigation, correction, or dispute.

Removal is not guaranteed. Accurate and timely negative information may remain on a consumer's credit report for the applicable reporting period. Individual results vary.

See My Credit Repair Options
Personalized Credit Support

A CREDIT REPAIR PLAN BUILT AROUND YOU

Instead of wondering what to do next, you'll have a strategy based on your individual credit profile.

Your credit situation is unique — and your approach should be too. We focus on helping you understand your profile, identify areas that may need attention, and move forward with a clear plan.

Start My Credit Plan

YOUR CREDIT REPAIR PROGRAM MAY INCLUDE:

  • ✓ Personalized credit report review
  • ✓ Identification of questionable or potentially inaccurate reporting
  • ✓ Personalized dispute strategy
  • ✓ Dispute preparation and assistance when appropriate
  • ✓ Credit utilization guidance
  • ✓ Credit education
  • ✓ Progress tracking
  • ✓ Recommendations based on your credit goals
  • ✓ Client support throughout your service period
  • ✓ Ongoing review as your credit reports change

HOW IT WORKS

A SIMPLE PROCESS. A CLEARER DIRECTION.

Our process is designed to help you understand what comes next and move through your credit repair journey with a clear plan.

01

COMPLETE YOUR ENROLLMENT

Provide the information needed to begin setting up your client profile.

02

COMPLETE YOUR ONBOARDING

Complete required agreements, disclosures, and account setup.

03

CREDIT PROFILE REVIEW

We'll review your credit information and identify areas that may need attention.

04

YOUR STRATEGY

A personalized approach is developed based on your individual credit profile.

05

DISPUTE ASSISTANCE

When appropriate, we assist with disputes involving potentially inaccurate, incomplete, unverifiable, or questionable reporting.

06

PROGRESS REVIEW

We continue reviewing your credit information throughout your service period as appropriate.

A clear process. A personalized strategy. A better way to move forward.

I'm Ready To Move Forward
Frequently Asked Questions

QUESTIONS ABOUT CREDIT REPAIR?

Get answers to some of the most common questions about our credit repair process, dispute assistance, and what you can expect when working with us.

1. What is credit repair?
Credit repair involves reviewing your credit reports for information that may be inaccurate, incomplete, inconsistent, outdated, duplicated, or otherwise questionable. When appropriate, disputes may be submitted to consumer reporting agencies or furnishers requesting that the information be investigated.
2. Can you guarantee that negative accounts will be removed?
No. We cannot guarantee that any specific account or negative item will be removed. Accurate and timely information may remain on your credit reports for the legally permitted reporting period. Individual results vary.
3. Can you guarantee that my credit score will increase?
No. Credit scores are calculated using many different factors, including payment history, balances, utilization, account age, new credit activity, and the information appearing on your credit reports. We do not guarantee a specific score increase or outcome.
4. What types of items may be reviewed or disputed?
Depending on your individual credit profile, we may review items such as collections, charge-offs, late payments, repossessions, foreclosures, hard inquiries, duplicate accounts, incorrect balances, incorrect account statuses, and accounts you do not recognize.
5. How long does the credit repair process take?
There is no single timeline that applies to everyone. Your experience may depend on the number and type of accounts being reviewed, responses from consumer reporting agencies and furnishers, and changes to your credit profile during the program.
6. What is a dispute round?
A dispute round is a stage of the credit repair process in which your current credit information is reviewed and, when appropriate, disputes or other correspondence may be prepared regarding information that appears inaccurate, incomplete, unverifiable, or otherwise questionable.
7. What is the difference between the 3-round and 6-round programs?
The 3-Round Program includes up to three credit review and dispute rounds, while the 6-Round Program includes up to six rounds and provides additional opportunities for ongoing review, progress tracking, and credit guidance.
8. Will I need to do anything during the process?
Yes. You may need to complete onboarding requirements, provide requested documentation, maintain access to your credit information, review correspondence, update our team when you receive responses, and follow recommendations related to your credit profile.
9. Should I continue paying my current accounts?
Credit repair does not replace your responsibility to manage your current financial obligations. Continue handling your accounts according to the agreements you have with your creditors unless you receive different guidance from an appropriate financial or legal professional.
10. What happens after I enroll?
After enrollment, you'll receive instructions for completing your onboarding, required agreements and disclosures, and any additional account setup. Once the required information is received, your credit profile can be reviewed and your personalized strategy can begin.

Ready to stop guessing and start with a clear plan?

Choose My Credit Repair Program

Total Tax Solutions

258 Howard Hill Rd, Howard Hill Road

Macon, MS 39341