Credit Repair Program
Business credit repair services to help fix both personal and business credit. Our Second Chance Credit Program helps businesses re-establish their credit history.
Rebuild Your Business Credit
SpotOn Financial offers a Business Credit Repair service that specifically helps business owners-not just individuals-fix both personal (if the owner is impacted) and business credit.
We also run a "Second Chance Credit Program" to help businesses with less-than-perfect credit re-establish a credit history. Our services are fee-based and paid monthly.
We work directly with clients using a network of commercial attorneys and debt settlement professionals. The process starts with a meeting to identify what the problems are and how they developed, then builds a strategy to fix them-and to prevent the same issues in the future.
Our Credit Repair Services
Business Credit Repair
We help business owners fix both personal (if impacted) and business credit to improve funding options.
Second Chance Credit Program
A program specifically designed to help businesses with less-than-perfect credit re-establish a credit history.
Credit Strategy Development
We identify what the problems are, how they developed, and build a strategy to fix them-and prevent the same issues in the future.
Ongoing Credit Management
Beyond just disputing bad items, we cover payment habits, cash flow management, and establishing strong ongoing behaviors.
More Than Just Disputes
We view credit repair as more than just disputing bad items. Our comprehensive approach covers:
- Disputing inaccurate or outdated items on credit reports
- Payment habits and timing optimization
- Cash flow management strategies
- Setting proper payment terms with vendors
- Establishing strong, ongoing credit behaviors
- Reestablishing positive tradelines
What to Expect
Credit repair is a process, not a quick fix. Here's what you can expect:
Typical Timeline
Credit repair isn't a quick fix-it's a process that tends to take 3–6 months on average.
Extended Cases
Some clients take up to a year depending on the complexity of their credit situation.
Ongoing Work
Many clients continue with ongoing credit management to maintain and build their improved credit profile.
Important Information
- For business owners: Our credit repair services are designed for business owners, not for regular consumer credit situations alone.
- Monthly fees: Services are fee-based with monthly payments. A minimum commitment may be required.
- Results depend on you: Progress depends heavily on how well you follow the plan we develop together.
Start Improving Your Credit
Contact us to discuss your credit situation and learn how we can help rebuild your business credit profile.