Our focus is helping businesses build credit under their EIN and secure the loans and lines of credit to grow — and we offer personal credit repair too. Every plan is built around your specific goals.
We help you separate your business from your personal finances, build a fundable profile under your EIN, and put that credit to work — with the loans and lines of credit to operate and scale.
Separate your personal and business finances and build a fundable profile under your EIN. We help you establish business tradelines and net-30 vendor accounts, strengthen your business credit scores, and repair inaccurate business credit reporting — so you can qualify for financing and better terms.
We help businesses secure business loans, an unsecured business line of credit, and working capital — plus startup and small-business funding to launch and scale. Explore business loans →
Personal credit help for you and your family, alongside our business focus.
We review your reports from all three major bureaus, identify items that are inaccurate, outdated, or unverifiable, and challenge them on your behalf — while coaching you on the habits that keep your score climbing.
Prefer working with someone who understands your area? We offer personalized, locally-minded service with the same rigorous dispute process — available to clients across all 50 states.
Working with a lender on a tight timeline? We focus on the specific items and rapid-rescore strategies that can help you meet loan requirements and move toward closing.
Collection accounts and charge-offs can weigh heavily on your score. We dispute their accuracy and pursue removal of items that can't be properly validated.
A bankruptcy isn't the end of your credit story. We help you rebuild a positive profile and dispute any inaccurate post-bankruptcy reporting.
Public records like tax liens can affect your standing. We review how they're reported and challenge inaccuracies through the proper channels.
Overwhelmed by multiple balances? We help you understand consolidation and debt-resolution options so you can choose a path that fits your budget. [[ Note: educational guidance / referral — confirm scope. ]]
Beyond disputes, we give you a clear, practical roadmap — utilization, payment history, credit mix, and more — to build lasting credit strength.
If fraud has damaged your credit, we help you freeze, dispute, and remove fraudulent accounts and inquiries, and put protections in place going forward.
Start with a free consultation. We'll review your situation and recommend the right plan — no pressure, no obligation.
Important: Focus Financially does not guarantee any specific results, score increases, or that any particular item can or will be removed from a credit report. Results vary based on each client's individual situation. [[ Confirm final disclaimer language with legal counsel. ]]
You have the right to dispute inaccurate information on your own credit reports for free by contacting the credit bureaus directly, and to cancel your service agreement in accordance with the federal Credit Repair Organizations Act (CROA) and applicable state law.