Done-for-you credit repair
Repair your credit.
Build wealth.
Get approved.
Without the guesswork. RSC Credit Freedom Solutions audits your report, challenges what cannot be verified, and puts every round in writing.
A free 30 minute call. No cost, no card, no obligation.
Not sure where you actually stand?
Book the free report review. We pull your report up together, go through what is on it line by line, and you get a straight read on what is holding you back. You decide what to do with that.
- ✓ About 30 minutes
- ✓ No cost, no card
- ✓ No obligation to enroll
- ✓ A straight answer either way
What are you working toward?
Nobody wants a credit score for its own sake. They want the thing on the other side of it. Pick the one that is yours.
A home of your own
Lenders read the report before they read you. The work starts there.
Business funding
Personal credit is the first thing an underwriter pulls, even for a business file.
Rates that stop costing you
The same loan is priced differently depending on what your report says.
A car without a co-signer
Financing that is not built around somebody else's signature.
An application that clears
Rentals, utilities, and insurance all read the same file a lender does.
Knowing where you stand
An accurate report, and a plain answer about what is on it.
RSC Credit Freedom Solutions
Take control of your credit,
and what it unlocks.
RSC is a done-for-you credit repair practice. The disputes, the tracking, and the follow-up are handled for you. You are not mailing letters, sitting on hold with a bureau, or guessing what to send next month.
Every file runs the same way. Your report gets read line by line. Anything that cannot be verified gets challenged under the Fair Credit Reporting Act. At the end of each round you get a written summary of what moved and what did not.
- ✓One operator on your file, start to finish. You are never handed off, and you always know who you are talking to.
- ✓Written results every round. Not a monthly email that says things are progressing.
- ✓A straight answer, including when it is no. Some files do not need this service, and you will be told so.
Four moves, in this order.
The order is the job. Disputing everything at once is what gets a file stalled.
Initial investigation
Your report gets pulled apart line by line. Errors, outdated accounts, and items with no proof behind them get flagged, and the first round goes out.
The bureaus answer
They have 30 to 45 days to respond. Every answer gets logged against what was actually sent, so nothing quietly disappears.
Escalation
Anything returned as verified without real proof gets escalated, to the bureau and to the creditor directly, and to the regulators where that is warranted.
You get it in writing
A plain summary of what moved, what did not, and what happens next. No jargon, and no need to ask.
This is the board your file sits on.
Every item, every bureau, every round, with its current status. You see it at each update rather than hearing that things are moving along.
Illustration of the tracking format. Whether any item is removed is decided by the bureau and the furnisher under the FCRA. Individual results vary.
See the full processWhat gets challenged.
If it is on your report and it cannot be verified the way the law requires, it gets disputed. Here is what that usually covers.
Late payments
Reported lates that the furnisher cannot substantiate with an accurate payment record.
Collections
Third-party collection accounts, including ones sold on repeatedly with no clean chain behind them.
Charge-offs
Accounts written off by the original creditor and still reporting with inconsistent balances or dates.
Hard inquiries
Pulls with no permissible purpose behind them, or ones you never authorized in the first place.
Repossessions
Voluntary and involuntary repossessions carrying deficiency balances that do not reconcile.
Student loans
Defaulted and transferred loans reporting duplicate balances or the wrong status after rehabilitation.
Public records
Bankruptcies, judgments, and liens reported without the verification the bureaus are required to hold.
Accounts that are not yours
Mixed files, identity errors, and accounts attached to a name or address that never belonged to you.
Disputing an item is not the same as removing it. Whether anything comes off is decided by the credit bureau and the furnisher under the Fair Credit Reporting Act, not by RSC. Accurate, current, verifiable information is not disputed and is not removed. Individual results vary. You have the right to dispute your own report directly with the bureaus, for free.
The receipts
Actual files. Actual movement.
Client credit-monitoring summaries, three bureaus, exactly as they came back. Shared with permission.
These are real client credit-monitoring summaries shared with permission. Individual results vary and are not typical or guaranteed. Whether an item comes off is decided by the bureau and the furnisher under the FCRA, not by us, and we do not remove accurate, current, verifiable information.
Three programs.
One standard of work.
The dispute work is identical in all three. Same review, same sequence, same letters, same FCRA basis. What changes is how long the engagement runs, how much of me you get, and what happens once the file is clean.
For a lighter file with no deadline pressing on it. The full work, at a self-serve pace.
- ✓ Full three-bureau report review
- ✓ Custom dispute sequence for your file
- ✓ Every valid inaccuracy challenged under the FCRA
- ✓ Bureau and furnisher correspondence handled
- ✓ Written progress report every month
- ✓ Credit Freedom Academy, free
For a real deadline. A mortgage window, a funding goal, or a file that already stalled once.
Everything in Core, plus
- ✓ The full 6-month term, not 90 days
- ✓ My direct line, the whole way through
- ✓ Priority handling on every round
- ✓ A strategy call after every round
- ✓ Funding-readiness coaching and the Blueprint
- ✓ Warm referral-partner introduction
For business owners going after capital, who want the repair and the funding handled as one project.
Everything in Direct, plus
- ✓ The funding build-out at the end
- ✓ Dedicated support on your day to day
- ✓ Lender-order planning session
- ✓ Mortgage-readiness review
- ✓ Expedited document handling
Payment plans are available on every program. Working with a spouse or partner on the same goal? There is a couples rate on Direct and Complete. Ask on the review call.
You will never wonder
what is happening.
I work your file every single round and dispute every valid inaccuracy under the FCRA until our process is complete. You get a real update from me every round, and you can reach me directly the whole way.
If I ever go dark on you for more than 10 business days during an active round, your next round is on me.
This is a promise about the work and the communication, not about your score. Whether an item comes off is decided by the bureau and the furnisher under the FCRA, not by us. We do not remove accurate, current, verifiable information. Core runs on a monthly reporting cadence and carries a monthly version of the same promise.
Nobody can guarantee a credit score. That includes us.
Anyone promising a number, a deletion, or an approval is either guessing or lying. What can be promised is the work: a full review, a real dispute sequence, and a written result at the end of every round.
You also have the right to dispute inaccurate information on your report yourself, for free, directly with the bureaus. RSC is the option for people who would rather have it handled properly than handle it themselves.
Who you are working with
The person reading your report
is the person you spoke to.
Michael Charles runs RSC Credit Freedom Solutions. He does the report review, builds the dispute sequence, sends each round, and writes the update you get at the end of it.
That is on purpose. Passing a file down a chain is how items get missed, and how people end up explaining their own report to somebody who has never opened it.
- ✓Works every file personally, from the first review to the last round
- ✓Disputes built on the Fair Credit Reporting Act, not letter templates
- ✓Credit repair and business funding consulting, run as one practice
- ✓Based in St. Petersburg, Florida, working with clients nationwide
Before you decide anything,
let me read your file with you.
30 minutes, no cost, no card. We open your actual credit report on a screen share and I go through it with you item by item. What each one is, what it is doing to you, and whether it is even reporting correctly.
By the end you know what is on your file and what the honest next step is. If that step is working with me, I will say so. If it is doing part of this yourself, I will say that instead, and I will tell you where to start.
Not ready to get on a call? Start with the 5-Letter Dispute Sequence. It is the order I actually send letters in, written out, free.
What to bring
- ✓A recent copy of your credit report, if you have one. If not, I will walk you through pulling it on the call.
- ✓The goal behind this. The house, the refi, the funding, the car, the denial you want reversed.
- ✓Your timeline, if there is one. A closing date changes the sequence.
- ✓Whatever you have already tried, including what did not work.
- ✓30 quiet minutes and somewhere to look at a screen.
Your report is not going to correct itself.
Start with the free review. Worst case you walk away knowing exactly what is on your file and what it would take to move it.
30 minutes. No cost, no card. I will tell you honestly if I do not think I can help.