Personal
Personal Credit
Understand your reports. Address inaccuracies. Build better habits.
- Credit report review
- Factual dispute support
- Personal action plan
Two Paths. One Standard.
Personal credit and business credit are different — and both matter.
The assessment starts by asking what you are working on. Your answers shape which questions we ask, which reports we review, and which next steps we recommend. If your situation touches both, we help you see where they connect.
Personal
Personal Credit & Funding
Understand your credit reports, identify specific inaccurate or incomplete items, build stronger credit habits, and prepare to explore personal funding options with a documented picture of where you stand.
Review consumer credit report(s)
Identify specific inaccurate or incomplete items
Build a factual dispute where one exists
Track each dispute from submission to response
Establish stronger credit habits over time
Prepare a documented picture before applying for personal credit
Business
Business Credit & Funding
Organize your business profile, establish and build business credit, and prepare to explore business funding options. We keep business credit separate from personal credit — distinct files, distinct strategies, distinct next steps.
Review business credit file and structure
Assess business revenue and trade lines
Identify gaps in business credit profile
Build a funding-readiness strategy
Coordinate with funding partners where appropriate
Prepare documentation for business credit applications
Personal credit can affect some business financing applications, including those that require a personal guarantee. When both paths apply, we help you see how they connect before you apply anywhere.
How It Works
Clarity. Then action.
A simple, guided process to help you understand your finances, build a plan, and make progress toward your next opportunity.
01
Assess
Understand your financial picture and identify what matters most right now.
What this step includes
We collect your financial data through a secure intake — credit reports, documents, questions about your goals — and build one profile. You choose personal, business, or both.
02
Plan
Create a personalized action plan with practical steps and clear timelines.
What this step includes
You receive a written plan: what is strong, what needs work, which services fit, and the specific next steps with timelines. No templates. Your facts, your plan.
03
Progress
Take consistent steps, track results, and build momentum toward your next opportunity.
What this step includes
Through your portal you track progress, receive status updates, and always know the next step — with copies of everything you signed. Consistency is what moves the picture.
Visuals shown are illustrative. Your actual profile will look different.
CREDESSES servicesBuild stronger credit.
Build stronger credit.
Prepare for what’s next.
Personal credit, business credit, and a clearer path toward funding readiness.
Business
Business Credit & Funding Readiness
Organize your business profile and prepare for financing opportunities.
- Business credit review
- Documentation checklist
- Funding readiness plan
Financial Profile Analysis
See where you stand and what to work on first.
No chargeStart assessment →
Credit Education
Understand your reports, rights, and next steps.
No chargeExplore guides →
Paid services are unavailable pending attorney review. No credit score, approval, or funding guarantees. Read disclosures →
Demo Preview
See Your Profile at a Glance
Every CREDESSES client gets a dashboard that brings their financial profile together: readiness scores by category, priority actions, documents, and a clear next step. Your data. Your plan. Your progress.
Readiness Categories
Scores across the categories that matter for your profile.
Priority Actions
Specific next steps ranked by importance, with timelines.
Documents & Records
Every letter, response, and disclosure stored and accessible.
Client Portal
Sign in anytime to track progress and communicate with your team.
credesses.com/dashboard
62
Readiness
Profile strengthModerate
Priority gaps3
62% structured
Priority Actions3 items
Address high utilization
Bring reported balances below 30% of limits on key accounts
Review recent inquiries
Check for inquiries you did not authorize or no longer need
Document business revenue
Gather 6 months of statements to support business credit file
Recent Documents
Financial Profile Summary
Mar 28, 2026
Dispute Letter Draft — Ch 1
Mar 25, 2026
Credit Report — Equifax
Mar 20, 2026
Active Disputes
Equifax — Account #8842
Equifax · Authorized
Experian — Inquiry #3319
Experian · Under Review
Sample scores and data shown for demonstration only. Your actual profile will look different.
Demo preview — not a live dashboard.
Demo preview — not a live dashboard.
Pricing
Service Catalog & Pricing
Service scope, deliverables, and legal treatment are described below. Services marked Pending Review are not yet available for charge. Regulated charges are disabled until Washington attorney approval.
Business Capital Readiness
Plan, then progress.
Two parts, one plan. The one-time blueprint gives you the written picture and the 90-day path. The monthly membership keeps the plan current and gives you portal access with one documented progress review each month.
$249one-time
Proposal for Counsel ReviewBusiness Blueprint
A review of the business information you provide, a written list of funding gaps, and a prioritized 90-day action plan to address them.
- Review of business credit file, structure, and revenue history
- Written list of specific funding gaps and readiness weaknesses
- Prioritized 90-day plan with specific actions and order of operations
- Documentation checklist for what to gather before applying
Does not include application preparation, lender introductions, guarantee of funding, or ongoing coaching. One written deliverable per engagement.
$59.99/month
Proposal for Counsel ReviewProgress Membership
Portal access, an updated action checklist, one documented progress review each month, and messaging for questions about the plan you already have.
- Client portal access to track your action plan and documents
- Updated monthly action checklist based on your progress
- One documented progress review each month (written summary)
- Messaging for questions about the plan — not a live adviser
Support limit: This tier does not include unlimited calls, application preparation, lender negotiation, or a dedicated adviser. It supports the plan you already have — it does not replace building a new one.
Separate from personal credit services. The $249 blueprint and $59.99/month membership are proposed business-only offerings. Personal credit repair services are priced and contracted separately and remain subject to the Credit Repair Organizations Act (15 USC 1679b) and Washington law (RCW 19.134). None of the above is available for charge until a Washington attorney reviews the scope, pricing, and billing model and the two-gate enablement process is completed.
Before you enroll
Start with a free assessment. Paid enrollment is not currently available online. Before any paid engagement, you receive the service scope, written terms, cancellation rights and applicable payment timing. Read your rights and disclosures.
Questions
Frequently Asked Questions
Plain answers to the questions we hear most. If yours is not here, reach out — we would rather explain than assume.
CREDESSES builds a personalized financial profile and capital readiness plan. We help you understand what is holding you back, follow a documented action plan, and provide lawful assistance with inaccurate credit information where one exists. We do not guarantee outcomes.
No. We do not guarantee credit score increases, approvals, funding, or the removal of accurate information. Any improvement depends on the specific data, applicable law, and what the consumer reporting agencies or furnishers determine.
No. Accurate, current, and verifiable information does not have to be removed. We only assist with information you believe is inaccurate or incomplete, and we do so based on the facts you provide.
For credit repair services, federal law (the Credit Repair Organizations Act, 15 USC 1679b) prohibits charging before the service is fully performed. Required disclosures are provided regardless of payment. Payment timing depends on the specific service and applicable law, which we review with counsel before implementing any billing model.
Yes. You have the right to dispute inaccurate or incomplete information yourself, for free, with the consumer reporting agencies and furnishers. We explain your options and can assist where you choose to engage us.
It is an internal planning indicator we use to organize your financial profile. It is not a credit score, a lender decision, or a guaranteed outcome. It helps us see what is strong and what needs work.
Yes. We have a separate business credit pathway. Business credit files, business structure, and business funding readiness are distinct from personal credit. We keep those tracks separate.
We do not publish licensing or compliance badges we cannot substantiate. Our legal obligations, filings, and compliance status are reviewed with a Washington attorney. This site does not claim a status that has not been verified.
Get Started
Build the Profile Before You Apply for the Capital
Start with a free financial profile assessment. No charge. No obligation. You will see your starting point and what a real plan would look like — before you apply for anything or commit to anything.
By signing up you agree to our terms and privacy policy. Required disclosures are provided before any payment or contract.
Choosing both personal and business paths helps us see how they connect — including where personal credit may affect business financing applications that require a personal guarantee.