Independent credit consulting
Good credit isn’t luck.
It’s structure.
Most people are paying for money they could have had cheaper — through the wrong accounts, the wrong order of operations, and a credit file nobody ever taught them to read. We sit down, look at the actual numbers, and fix the structure.
Remote, one-on-one. No course to buy, no lender to sell you.
- Credit building
- Bank churn
- Points & miles
- Cashback
- Auto financing
- Tracking
- Money placement
- Cheaper capital
The work
Eleven things most people are
getting wrong — quietly.
Everything below is legal, ordinary financial behaviour that simply isn’t taught. We pick the three or four that matter for your situation and go deep on those.
-
01
Credit consulting
A line-by-line read of all three reports: what’s hurting you, what’s noise, and what order to fix it in.
-
02
The fine print
The terms, timelines, and account rules that quietly cost people money — and how to work within them instead of against them.
-
03
Lower-cost money
How to structure borrowing so the interest rate you’re offered reflects your actual risk, not your worst year.
-
04
Bank churn
Account bonuses and relationship perks, sequenced properly so you collect the payout without tripping the fine print or your file.
-
05
Points & miles
Which cards to hold, which to churn, and how to transfer so the points are worth more than the annual fees.
-
06
Cashback
Stacks: card categories, shopping portals, and offers — mapped to how you actually spend each month.
-
07
Auto setup
Pre-approval, down payment, term length, and dealer add-ons. Done before you sit at the desk, not after.
-
08
Tracking
One place for balances, due dates, utilisation, and inquiries — so nothing sneaks up and no month is a surprise.
-
09
Building credit
Thin file, no file, or a rebuild after damage: the shortest honest path from where you are to a real score.
-
10
Money placement
Where cash should actually sit — liquidity, yield, and access — before it goes anywhere near an investment.
-
11
The full picture
Credit, cash flow, and goals on one page. Most wins come from the sequencing between them.
The process
Four steps, in this order.
-
1
The call
Twenty minutes, free. You describe the situation; we tell you honestly whether consulting is the right spend.
-
2
The audit
Reports, statements, accounts, and goals. We build the picture you’ve never seen in one place.
-
3
The plan
A short, dated plan: what to do this month, next month, and what to leave alone.
-
4
The execution
We work the plan together — applications, calls, sequencing, tracking — and adjust as the file moves.
“Banks price you on what they can measure. Most people never learn what’s being measured — so they optimise the wrong thing for years.”
— The Credit Mann
Questions
Before you book.
Still unsure? Ask on the call — the first one costs nothing.
Will you guarantee my score goes up?
No, and you should be sceptical of anyone who does. Scores respond to file behaviour, and nobody controls the bureaus or the lenders. What we control is the plan: fewer errors, better utilisation, the right accounts in the right order.
How is this different from a credit repair company?
Repair shops mostly fire disputes and charge monthly. We work the whole picture — credit, borrowing structure, cards, cash placement — and teach you to run it yourself. Some disputes may be part of it; they’re not the product.
Do you need my Social Security number?
Not for the first call. For the audit we look at reports and statements, which you pull and share yourself. Never send sensitive documents over email or text.
Is “bank churn” and card churning bad for my credit?
Done carelessly, yes — inquiries and short account history add up. Done in sequence with the right spacing and the right cards, the effect is small and manageable. That sequencing is most of the value.
What does it cost?
Pricing depends on scope and is discussed on the free call, before anything is agreed. No retainers started without a written scope.
Book
Twenty minutes.
No cost, no pitch.
Bring your situation, not your paperwork. If consulting isn’t the right call for you, you’ll hear that on the same call.
Scheduling
Pick a time that works
The live calendar connects here. Until then, request a slot and you’ll get times back within one business day.
Request a time