Your credit profile is your adult report card: it determines your access to opportunities.
Correct the data; restore your score; reclaim the financial future you deserve. Stewardship Services delivers compliant, personalized credit restoration done the right way.
Why Credit Restoration Comes First
Credit touches everything — housing, cars, business funding, even employment opportunities. Poor credit creates what we call the poor man’s tax; higher interest, larger deposits, and fewer approvals. Before we talk investments or wealth strategies, we focus on repairing the foundation: your credit profile.
Stewardship Services treats credit restoration as the first phase of your wealth journey. Once we correct the data and restore your scores, we can move confidently into budgeting, cash-flow strategy and long-term wealth building.
- Correct inaccurate names, addresses and personal information on your reports.
- Challenge unverifiable collections and charge-offs across all three bureaus.
- Address reporting errors that may be suppressing your credit scores.
- Build a clear 90-day plan to stabilize, restore and protect your credit profile.
Credit Restoration – Done the Right Way.
This is our core offering. A structured, compliant and highly personalized 90-day credit restoration program designed to address inaccurate reporting, challenge unverifiable negative items and help you step back into the financial opportunities you’ve been locked out of.
- Full three-bureau credit audit with written recommendations.
- Correction of inaccurate names, addresses and personal identifiers.
- Customized dispute letters prepared and sent in structured rounds.
- Challenges to unverifiable collections and charge-offs under FCRA guidance.
- Progress reviews and guidance on utilization, payments and next steps.
Our goal is simple: help you stop overpaying for life because of old mistakes or inaccurate reporting, and put you in position to qualify for better terms when you’re ready to borrow again.
Build Wealth on Purpose
After we restore your credit profile, we help you build long-term financial stability. Our monthly membership options support budgeting, cash flow, financial literacy, and strategic guidance so you never fall back into the poor man’s tax again.
- Monthly financial literacy classes.
- Cash flow analysis templates.
- Debt tracking tools.
- Monthly Q&A with our team.
- Private member resource library.
- Everything in Foundation.
- One monthly 1:1 strategy call.
- Advanced budgeting templates.
- Investment readiness sessions.
- Exclusive masterclasses.
How Credit Restoration Works at Stewardship Services
A structured, compliant, data-driven roadmap designed to help you challenge inaccuracies, restore your profile and position yourself for stronger financial opportunities.
We evaluate your complete credit profile, identify inaccurate or unverifiable items, and build a personalized dispute strategy before any communication goes to the bureaus.
We draft fully customized dispute letters citing key FCRA protections. No templates; every file is tailored to your profile for maximum accuracy and compliance.
Each round targets a different group of items. We track bureau responses, escalate where needed, and maintain clear communication every step of the way.
Once data is corrected, we guide you through positive credit-building moves, utilization strategy, and long-term score optimization so your results last.
More Than Credit Repair - This Is Strategic Restoration.
We combine compliance, professional banking experience and a hands-on restoration strategy to help you rebuild your credit profile with confidence. Our approach is transparent, structured and aligned with your long-term financial goals.
Florida-Registered Credit Services Organization
We operate under formal CSO compliance; agreements, disclosures and processes that protect you at every step.
FCRA-Informed Dispute Strategy
Your disputes follow consumer-protection law and industry best practices — not generic templates found online.
Secure, Guided Client Experience
From uploads to updates, your portal is structured to keep everything organized, documented and transparent.
Wealth-Building Lens
Clean credit is only step one. We help you prepare for real approvals, cash-flow strategy, and long-term financial planning.
Ready to stop paying the poor man’s tax?
Your credit report is your adult report card; it affects everything from housing and cars to business funding and travel. If you are ready to correct the record and rebuild the opportunities you deserve, this is where we begin.