Credit Guidance Services Built for Long-Term Financial Wellness
From reviewing potentially inaccurate reporting to building business credit knowledge, FixoCredit offers comprehensive financial education and credit consulting services backed by FCRA expertise and compliant dispute preparation.
Results vary. Our services are intended for educational and informational purposes. We do not guarantee specific score increases or the removal of any credit items.
Review potentially inaccurate reporting. Understand your options.
Credit Profile Review & Dispute Preparation
Our core credit guidance service uses FCRA-informed dispute preparation to help address potentially inaccurate, incomplete, or unverifiable items across Equifax, Experian, and TransUnion. We do not guarantee the removal of any items.
What We Address
- Late payment review
- Collection account guidance
- Charge-off assessment
- Inquiry review
- Outdated item identification
Our Process
Full Bureau Review
We obtain all three credit reports and conduct a detailed educational review.
Item Assessment
Potentially inaccurate items are identified by type, age, and disputable status under FCRA.
Dispute Letter Preparation
FCRA-compliant dispute letters tailored to each potentially inaccurate item and bureau.
Follow-Up Guidance
We track responses and provide guidance on next steps based on bureau outcomes.
Understand your rights. Know your options.
Collection Account Guidance
Collections can significantly impact a credit profile. We help you understand debt validation rights, statute of limitations, and your options under the FCRA. We do not guarantee removal of any collection accounts.
What We Address
- Medical collection review
- Credit card charge-off guidance
- Utility collection assessment
- Payday loan collection review
Our Process
Debt Validation Review
We help you understand your right to request proof the debt is yours and accurate.
Statute Assessment
We review statute of limitations to help you understand enforceability.
Options Education
We educate you on goodwill deletion requests and pay-for-delete options.
Bureau Monitoring
We help verify any changes across all three bureaus.
Stay informed. Protect your credit profile.
Credit Health Monitoring & Education
Ongoing credit monitoring across all three credit bureaus with alerts for new inquiries, accounts, or score changes — helping you stay informed and protect your credit profile over time.
What We Address
- 3-bureau monitoring
- Identity theft alerts
- Credit trend tracking
- New account detection
Our Process
Setup
We enroll you in our 3-bureau monitoring platform.
Alerts
Notifications for any credit profile changes.
Score Tracking
Monthly credit snapshots with trend analysis for educational purposes.
ID Protection
Dark web scanning and identity theft awareness.
Build business credit knowledge. Access more opportunities.
Business Credit Education & Setup
Learn how to establish a strong business credit profile completely separate from your personal credit — understanding the steps toward higher funding limits, better interest rates, and business card access.
What We Address
- EIN & DUNS guidance
- Net-30 vendor education
- Business credit card guidance
- SBA loan preparation
Our Process
Entity Education
EIN registration guidance, DUNS number setup, and business address requirements.
Vendor Account Guidance
Understanding Net-30 accounts with Dun & Bradstreet reporting vendors.
Business Card Education
Guidance on business credit card applications with reporting issuers.
Funding Readiness
Educational preparation for SBA loan and business line of credit applications.
Important Disclosure: Results vary. Accurate and current negative information cannot be legally removed from a credit report. FixoCredit is a credit education and dispute preparation service, not a law firm. We do not guarantee specific score increases or the removal of any credit items. Consumers may dispute inaccurate information directly with credit bureaus at no cost.
Not sure which service fits your situation?
Book a free consultation and our credit education specialists will review your reports and recommend the right educational plan for your credit goals. No obligations, no upfront fees.
Book Free ConsultationOur services are intended for educational and informational purposes. Results vary by individual.