Credit Analysis • Dispute Support • Credit Building Strategy
Program Overview
The Personal Credit Optimization Program is designed to help individuals understand, improve, and strengthen their credit profile. The program focuses on identifying inaccurate or outdated reporting, improving credit utilization, and providing clear guidance on the steps needed to build a healthier credit profile over time.
Services are delivered through professional credit consulting, education, and dispute support, helping clients better understand their credit reports and make informed decisions about managing their credit moving forward.
Identify Inaccuracies
Uncover errors, outdated accounts, and duplicate entries across all three credit bureau reports.
Optimize Utilization
Improve how balances and limits are reported to maximize credit score potential.
Build Long-Term Strength
Implement sustainable credit management practices that support lasting financial health.
Program Services & Pricing
The following services are available as standalone engagements or as part of the 90-Day Personal Credit Optimization Program.
*The Credit Diagnostic & Strategy Session fee will be applied toward the 90-Day Personal Credit Optimization Program if you enroll within 30 days of completing the diagnostic.
90-Day Personal Credit Optimization Program
Investment: $1,950 — Includes $495 in standalone services.
A structured 90-day engagement designed to analyze, correct, and strengthen your personal credit profile through strategic credit analysis, dispute support, and credit-building guidance. This program focuses on identifying reporting issues, optimizing credit utilization, and implementing strategies that support long-term credit health.
Program Includes
Credit Diagnostic & Strategy Session (Included)
Personalized credit improvement roadmap
Preparation of dispute letters for inaccurate or unverifiable credit reporting
Credit utilization optimization strategy
Account management and reporting guidance
Credit-building recommendations
One progress review consultation
Optional Add-On: Tradeline Placement
Authorized user tradelines may be available to help strengthen credit profiles through association with established credit accounts. Depending on your individual profile, tradelines can help improve credit utilization ratios and average account age — two key scoring factors.
How Tradeline Pricing Is Determined
Account Age
Older accounts carry more weight and are priced accordingly.
Credit Limit
Higher-limit accounts provide greater utilization benefit.
Reporting Bureau
Coverage across one or more of the three major bureaus.
Duration of Reporting
The length of time the tradeline appears on your report.
Pricing & Participation
Tradeline placement is priced individually based on the account characteristics above. Typical pricing ranges from $500 to $2,000 per tradeline,depending on the account selected.
Tradeline placement is optional and not required for participation in any program tier. Your advisor will discuss whether tradelines may be appropriate for your specific credit profile.
How the Program Works
The 90-Day Personal Credit Optimization Program follows a structured five-step process — moving from diagnosis to action to ongoing improvement in a clear, coordinated sequence.
01
Credit Diagnostic & Strategy Session
We begin with a detailed review of your credit reports to understand what is currently affecting your credit profile. During this session, we identify inaccurate or outdated reporting, review key factors that impact your score, and outline a clear strategy for improving your credit.
02
Personalized Credit Improvement Plan
Based on the diagnostic, we develop a personalized roadmap that outlines practical steps you can take to strengthen your credit profile, including utilization guidance and recommendations for managing your accounts more effectively.
03
Dispute Support
When inaccurate or unverifiable items are identified, we assist with preparing dispute letters and provide guidance on how to submit them to the credit bureaus.
04
Credit Optimization Guidance
We provide recommendations to help improve important credit factors such as utilization, payment patterns, and account management to support long-term credit health.
05
Progress Review
During the program, we conduct a progress review to evaluate improvements, answer questions, and discuss any additional steps that may help strengthen your credit profile.
Typical Client Engagement
Most clients choose the 90-Day Personal Credit Optimization Program paired with three months of ongoing Monthly Credit Advisory support — providing both a structured starting point and continued guidance as their credit profile improves.
This structure provides a complete engagement — from initial audit through three months of post-program monitoring and advisory support. The 90-day programestablishes the foundation; the follow-on advisory months allow time for bureau responses, score updates, and continued refinement.
Important Disclosures
The following disclosures are provided in the interest of full transparency. Please review prior to enrolling in any service.
1. Scope of Services
This program provides credit consulting, education, and dispute support. Services are advisory in nature and do not constitute legal or financial advice.
2. Client Submission of Disputes
Dispute letters prepared as part of the program are submitted directly by the client to the credit bureaus and creditors. This ensures full transparency and keeps clients in control of their own credit repair process.
3. No Guaranteed Outcomes
No specific credit score increases can be guaranteed. Credit scoring is governed by complex, proprietary algorithms and depends on many external factors, including how bureaus and creditors respond to disputes and updates.
4. Results Vary by Profile
Outcomes depend on each client's unique credit profile, the nature of reported items, and the accuracy of existing data. Clients with more inaccuracies or correctable items may see more significant improvements.
Ready to Take Control of Your Credit?
Your credit profile is one of the most powerful financial tools you have. Whether you're preparing to apply for a mortgage, improve your financial standing, or simply take control of your credit health — this program provides a structured, professional path to get there.
To get started or schedule a consultation, please reach out to discuss which service tier is right for your situation.
To move forward with the Personal Credit Optimization Program, please select the service tier that best fits your needs and reach out to schedule your initial consultation.
All engagements begin with a brief intake conversation to confirm program fit and answer any questions prior to enrollment.
Schedule your consultation or request additional information.
All services are subject to the disclosures outlined in this proposal. Pricing is valid for 30 days from the date of this document.
AspireWise Credit Advisory maintains professional membership with the Credit Consultants Association and follows industry best practices for responsible credit consulting and client support.