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When credit stands in the way of your goals, we'll help you find the path forward.
Better than traditional credit repair. We prepare you for financing and help you move forward with:
- Buying a home
- Growing your business
- Qualifying for financing
- Correcting credit reporting issues
- Improving your financial opportunities
Free 15-minute call. No obligation.
Need to close a loan? Enter the Loan Rescue Lab → See plans & pricingWe’ve seen it thousands of times.
But nobody explains why.
That’s where we come in.
We don’t just ask, “What’s your credit score?” We ask, “What are you trying to accomplish?”
Because the answer changes everything. Buying a home? Opening a business? Getting approved for financing? Recovering from identity theft? Preparing for future opportunities? Your goal determines the strategy.
Tell us where you want to go.
I Want To Buy A Home
Strengthen your profile and get mortgage-ready.
Start hereI Own A Business
Optimize personal and business credit for funding.
Start hereI Want Better Credit
Build a stronger profile, step by step.
Start hereI Was Denied
Let’s find out why, and build a plan to move the deal forward.
Free Credit ConsultationI’m A Loan Officer
Rescue deals and turn “not yet” into closings.
Partner with usI’m A Bank or Credit Union
Give declined applicants a real path forward.
Partner with usWhat’s actually preventing your approval?
Find your situation below. These are the obstacles we most often uncover, and exactly what our investigation is built to find.
Home Purchase
- High utilization
- Thin credit
- Collections
- Recent late payments
Business Funding
- Personal guarantees
- High revolving debt
- Limited history
- Cash flow
Auto Loans
- Debt-to-income
- Recent delinquencies
- Utilization
- Limited history
Better Credit
- Reporting errors
- Thin file
- Inactive accounts
- Age of credit
Identity Theft
- Mixed files
- Fraudulent accounts
- Incorrect reporting
Financial Growth
- Building stronger profiles
- Preparing for future financing
- Increasing flexibility
We believe credit should create opportunities, not barriers.
At Incite Strategies, credit is more than a score. It influences homeownership, business growth, financing opportunities, and financial flexibility. Our goal is to help you understand, optimize, and leverage your credit so you can reach your goals with confidence.
Investigation and strategy, not just disputes.
Most credit companies send disputes based on summary reports from monitoring services. We start with a deeper investigation designed to uncover opportunities, identify obstacles, and build a strategy around your specific goals.
Why most people waste money on credit.
The most common credit “truths” are wrong, and acting on them can cost you money or even lower your score.
Most people believe…
Here’s what actually matters…
Where could better credit take you?
Homeownership
Business Financing
Lower Interest Rates
Stronger Credit Profiles
Resolution of Credit Reporting Issues
Greater Financial Opportunities
Credit investigation and financial strategy.
Most credit companies focus on credit reports. We focus on credit investigation and financial strategy: a deeper review built around the goal you’re working toward.
Goal-Based Financial Planning
Before we talk credit scores, we talk about your goals: a home, a business, an auto loan, or a stronger financial position.
Credit & Opportunity Analysis
We analyze the entire profile, not just negative accounts, to find where the greatest impact is.
Credit Investigation & Compliance Review
Where we differ most: a detailed review of official reports for inaccuracies, inconsistencies, and compliance issues.
Customized Optimization Strategy
A plan tailored to your goals and timeline, built around what will actually move the needle.
Monitoring & Ongoing Support
Progress updates, education, and strategy adjustments as you move toward your goal.
Credit Cards
- Which should be paid first?
- Which to keep open?
- Utilization strategy
Collections
- Which actually matter?
- Pay, settle, or leave?
- Impact on approval
Charge-Offs
- Settle or wait?
- Reporting accuracy
- Effect on your scores
Installment Loans
- Helping or hurting?
- Mix & age of credit
- Payment history
Mortgage Scores
- Which version matters?
- All three bureaus
- Why it differs from Credit Karma
Dispute Investigation
- Missing data
- Inconsistent reporting
- Compliance issues
An account reports a different balance on different bureaus.
Required information is missing from the reporting.
Dates reported are inconsistent across bureaus.
Payment history differs between reporting agencies.
Account ownership information appears inaccurate.
Potential mixed-file indicators appear within the report.
These are examples only. Every case is unique. We look for inaccuracies, inconsistencies, and compliance issues, not simply negative accounts.
Simple plans, priced for your situation.
Five ways to work with us, from a self-serve AI tool to attorney-backed representation. Every plan starts with a free consultation, so you never pay for more help than your situation actually needs.
Smart Plan
AI-crafted disputes with expert oversight from credit specialists.
+ $49.99 for credit monitoring
- Credit bureau disputes
- One dispute per credit bureau monthly
- AI credit action plan
- AI-driven credit building recommendations
- AI-driven debt management recommendations
- Credit coaching & access to 44 credit education modules
- Credit building tools
- Progress tracking portal
- Dedicated credit specialist
- Optional portal access for your loan officer, lender, or finance professional
Premium Plan
Unlimited monthly disputes with a thorough, hands-on manual approach.
+ $29.99 for credit monitoring
- Credit bureau, collection agency & creditor disputes
- Unlimited monthly disputes
- Enhanced monitoring of credit report and score changes
- Manual processing for a thorough, hands-on approach
- Detailed investigation into all documents held by creditors & collection agencies
- One-on-one credit re-establishment planning
- Credit building tools
- Personalized education with a credit specialist
- Comprehensive support with unlimited phone / in-person consultations
- Dedicated credit specialist
- Optional portal access for your loan officer, lender, or finance professional
Litigation Backed Plan
Attorney-backed disputes with detailed case preparation and potential compensation.
No monitoring fee
- Credit bureau, collection agency & creditor disputes
- Attorney-backed credit disputes
- Regulatory violation identification
- Leverage attorney involvement for credit disputes
- Detailed case preparation for potential litigation with attorney partners
- Potential compensation
- Increased likelihood of higher removal rates from report errors
- Credit impact assessment, like loan denials
- One-on-one credit re-establishment planning
- Personalized credit education with a credit specialist
* Not for clients seeking financing within one year.
More Ways To Get Started
Credit Score Pro AI (DIY)
Self-manage your own disputes with AI assistance.
+ $49.99 for credit monitoring
- Self-manage credit disputes with AI assistance
- AI credit bureau disputes
- AI credit building recommendations
- AI credit action plan
- AI-recommended credit building tools
- Monitor credit report and score changes
- Credit coaching & access to 44 credit education modules
- Optional portal access for your loan officer, lender, or finance professional
Credit Builder Plan
For building a credit profile from scratch.
+ $29.99 for credit monitoring
- For individuals with no credit scores
- One-on-one credit establishment planning
- Progress tracking portal
- Dedicated credit specialist
- Optional portal access for your loan officer, lender, or finance professional
Not sure which plan fits? Book a free consult and we’ll point you to the right one, even if that’s the $0 do-it-yourself option.
Built for everyone in the lending journey.
Homebuyers
Strengthen your profile and get mortgage-ready.
Learn moreBusiness Owners
Optimize personal and business credit for funding.
Learn moreConsumers
Build a stronger credit profile, step by step.
Learn moreLoan Officers
Rescue deals and close more files.
PartnerRealtors
Turn "not yet" buyers into closings.
PartnerBanks
Give declined applicants a path forward.
PartnerCredit Unions
A solution instead of "come back later."
PartnerTrusted by mortgage & lending professionals nationwide
Credit education partner of NAPMW.
Incite Strategies is an education partner of the National Association of Professional Mortgage Women (NAPMW), providing the credit education, training, and client services its members rely on to help more borrowers reach the closing table.
Every year, we help thousands of people move forward.
Buying homes · qualifying for financing · resolving reporting issues · recovering from identity theft · building stronger credit · growing businesses.
Results vary by individual. We do not guarantee specific outcomes or credit-score increases.
It’s empowering as a first-time homebuyer to have everything explained in a way I understand.
First-Time HomebuyerIncite Strategies client
Shared with permission. Individual experiences vary; we do not guarantee specific outcomes.
What our clients say.
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Helping professionals close more deals.
Resources for loan officers, realtors, banks, and credit unions, so a credit obstacle never has to end the conversation. Recognize credit issues before they become deal killers, know when a file can be saved, and bring us in at the right time. You stay the hero. We do the heavy lifting.
Strategy. Not guesswork. That’s Incite.Just need to close this deal?
Start a Loan Rescue in the Lab. Walk the file one question at a time, then fix it yourself or send it to us. Free account, about a minute to join.
Open the Loan Rescue Lab
Scan to open the LabPoint your phone camera here to start a Rescue Read on the spot.Get in touch about becoming a partner
Explore an official partnership with Incite. See how the Loan Rescue Lab fits your branch or team, and the perks that come with joining the network.
Explore partnershipTools & resources we recommend
When a borrower needs to build, monitor, or optimize their credit, or a business needs funding, these are the vetted tools we point partners and clients to.
Incite Strategies may receive compensation when you or your client use these links. It never changes the recommendation. Results vary by individual. We do not guarantee specific outcomes or credit-score increases.
Financing denied? Let's find out why.
A borrower, business owner, or member hit a wall: collections, a reporting error, utilization, identity theft. We identify the obstacle and build a strategy to move the deal forward.
Learn the things that move the needle.
Why Mortgage Scores Differ from Credit Karma
ReadHow Business Owners Can Prepare for Financing
ReadWhat Underwriters Look for Beyond Credit Scores
ReadCommon Credit Myths That Cost Consumers Money
ReadUnderstanding Credit Report Errors
ReadView all articles & guides
Visit the blogAnswers before you start.
How long does credit optimization take?
Can I qualify for a mortgage with collections?
What's the difference between a mortgage score and Credit Karma?
Can business owners improve financing through personal credit?
Can identity theft affect mortgage approval?
What happens during a consultation?
Not sure where to start?
Schedule a consultation and we'll help identify the best path forward.