Whether you're recovering from past challenges or building from scratch, we give you the tools and expert support to take control of your credit profile.
Take Your Credit Assessment →We walk you through a proven process — whether you do it yourself or let us handle it for you.
We pull and analyze your full credit reports from all three bureaus — Equifax, TransUnion, and Experian — to identify inaccurate, outdated, or unverifiable negative items.
We draft and send professional dispute letters to the credit bureaus and creditors on your behalf. We follow up and track every response until items are resolved.
We coach you on building positive credit history through the right accounts, payment habits, and utilization strategies. Most clients see real results in 3-6 months.
Pick the level of support that fits your situation and budget.
Disclaimer: Results are not guaranteed. Outcomes vary by individual based on the specific items on your credit report. Saint Thomas Business Services is not a law firm and does not provide legal advice. We provide education, guidance, and administrative support for the dispute process. Clients should consult a licensed attorney for legal matters.
Most clients see meaningful improvements within 3-6 months. Some items resolve faster; complex cases may take longer. We'll give you a realistic timeline after reviewing your reports.
It depends on what's on your report. Clients who successfully remove inaccurate negative items and build positive history regularly see 50-150+ point improvements over 6-12 months.
Only inaccurate, outdated, or unverifiable items can be legally disputed and removed. Accurate negative information that's within the reporting period cannot be removed. We will tell you honestly what we can and cannot help with.
Your most recent credit reports from all three bureaus if you have them (we can help you pull them), and a list of accounts you're concerned about. The initial consultation is no-obligation — we'll give you an honest assessment before you commit to anything.
Book a no-obligation consultation. We'll review your situation and build a personalized plan.
Let's Build Your Future →