Customized Credit Restoration
Customized credit repair strategies, addressing specific issues, ensuring efficiency, and long-term financial health for your unique situation
Proven Expertise & Support
Experienced professionals provide committed counsel, guaranteeing open assistance for a successful credit restoration and confidence in your financial path
Financial Empowerment
Striving for a secure financial future, we provide education, lifelong impact, and a vision beyond immediate fixes, ensuring lasting credit enhancement
Credit Restoration Experts
At HDJ Consulting, we understand that financial challenges can cast a shadow on life's opportunities. Founded with a commitment to empower individuals on their credit journeys, we bring a wealth of experience and expertise to guide you towards a brighter financial future.
Our founder, Harley, A Native American and with a degree in Business Management draws his extensive background as a Consumer Lending Officer to lead a team dedicated to reshaping credit narratives. Having witnessed the impact of credit obstacles, he established HDJ Consulting as a beacon of hope for those navigating the complexities of credit repair. We are not just a credit repair service; we are your allies in the journey towards financial well-being. Committed to transparency, professionalism, and your best interests, our mission is to provide personalized solutions that go beyond fixing credit scores. We strive to empower you with the knowledge and tools needed for lasting financial resilience.
Our Process
Start by signing up for your free consultation with our credit expert! Click Here
Sign up for credit monitoring so we can provide you with guidance on your credit report. Click Here
Once you have ordered your credit report, a credit expert a credit expert will contact you for your free consultation and to get started with a credit restoration plan. Time to boost your credit!
What We help with
Credit Restoration Services
Thorough credit report evaluation identifies errors. Receive expert guidance on budgeting, financial planning, and cultivating healthy credit habits for a stronger financial future.
Public Notary
We offer certified notary services for all your document notarization needs.
Vehicle Purchase - Negotiation Assistance
Let us help you secure the best deal on your next vehicle purchase. Our experts will negotiate on your behalf to ensure you get the car you want at the price you deserve.
Services include, but are not limited to...
Medical Collections
We specialize in resolving medical collection issues, offering effective solutions to clear medical debts from your credit report, providing relief and financial stability.
Late Payments
Late payments impacting your credit score? Our strategies aim to address and rectify late payment entries, restoring your credit health and financial standing.
Charge-offs
Struggling with charge-offs on your credit report? Our solutions focus on negotiating and rectifying charge-off accounts, resolving financial burdens and enhancing your creditworthiness.
Repossession
We offer guidance to resolve vehicle and property repossession concerns, assisting in negotiations for repayment or settlements to reinstate your financial status.
Foreclosures
Our expertise lies in resolving foreclosure matters, exploring various alternatives and strategies to safeguard your property and overall financial stability.
Bankruptcy
Our services are dedicated to navigating through bankruptcy complexities, providing guidance and seeking resolutions for a renewed financial beginning.
Rental Agreement Late Payments
We assist in handling delayed payments within rental agreements, striving to find solutions that prevent potential eviction or tenancy-related challenges.
Late Child Support Payments
We support in managing late child support payments, aiding in arrangements to address overdue obligations effectively.
Inaccurate Personal Items
We address discrepancies in personal records, striving to rectify errors on your credit report to ensure a precise reflection of your financial background.
Evictions
Facing eviction records on your credit report? Our services focus on mitigating and rectifying eviction entries, ensuring your housing history reflects positively
Credit Inquiry Removal
Helping individuals with their credit profiles by eliminating or disputing certain credit inquiries on their credit reports.
Testimonials
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Pricing
Signup Fee
Upon the onboarding process, clients will receive their login and password to their own client portal! Here, clients will have convenient access to review and sign their service agreement, upload their identity documents (State ID card or Driver’s License and even see the files that are prepared specifically for the client, to attack the negative items!
$175.00 USD
Signup Fee
Recurring
Up to 1 month after signing up, begins a monthly recurring service fee of $149.00. This service fee can be paid once-monthly, bi-monthly and even weekly! Pricing made affordable, life-changing results through credit made possible!
*Couples pricing discussed upon consultation*
$149.00 USD
/Month Fee
During the consultation, we can discuss any questions you might have about services or pricing.
Frequently Asked Questions
Your credit score, ranging from 300 to 850, reflects your creditworthiness and repayment reliability. Lenders assess it to determine suitable loan or credit card options. Higher scores usually yield more favorable offers.
Certainly! Under the FCRA, individuals have the right to challenge inaccuracies in their credit reports. Engaging our services ensures certified and expert handling. Our trained professionals are well-versed in the process, employing the correct steps and tools in communications with credit bureaus.
The duration varies per individual based on the quantity of negative accounts. Typically, it spans from 30 days to 6 months. Results usually become evident around 45 days post our company's correspondence with the three credit bureaus and creditors.
Your credit score can decline more rapidly than it can improve. It's important to consider these factors that could negatively impact your credit:
Missing bill payments
Bankruptcy or foreclosure filings
Excessive credit applications
Carrying high credit card balances
Overlooking questionable negative items on your report
Your credit score is influenced by five key factors: payment history, debt levels, credit history length, credit mix, and new credit. Responsible management, like timely payments and debt reduction, can enhance your score.
Moreover, aside from these factors, your credit reports might include unfair or inaccurate negative items that can persist for seven to ten years
Several elements contribute to mortgage approval, yet a minimum score of 620 is typically required for traditional home loan approval.
The minimum credit score accepted for a car loan varies based on the loan amount. Some lenders may approve scores as low as 500, although higher interest payments might be required.
Our clients have achieved significant progress in handling bankruptcies, foreclosures, collections, charge-offs, repossessions, medical bills, credit card debt, inquiries, late payments, previous addresses, judgments, tax liens, and student loans through our aid and document processing.
Contact Us
- North Carolina
- 910-736-0736
- info@hdjconsultingllc.com
- appointment only
- North Carolina
- 910-736-0736
- info@hdjconsultingllc.com
- appointment only
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