top of page

Credit Improvement

Credit improvement with real estate results.


There are lots of companies that do credit repair. Only a handful of companies educate you on the process of getting and maintaining a healthy credit life and fewer still exist with a laser focus on homeownership. We are one of those rare companies. Our sole purpose is to help our clients improve their credit in order to own a home. We want you to succeed in the complex and ever-changing world of credit, mortgages, and real estate. 

Military Female.jpeg
Military Female.jpeg

Home Sweet Home.

Life can take you to unexpected places. Wherever you go,  always know the road that leads you home again. The ultimate joy is finding that road and going back home. There's no place like home. 


Credit Improvement Coaching

Step 1

Make a Decision and Take Action

Have you tried other credit repair services or tried do-it- yourself credit repair without the results you needed? Find out why our credit improvement coaching is different. We are not just another credit repair company. We take pride in giving you the tools you need to improve your credit now, in addition to the information on maintaining good credit for years to come. 


Don't let fear stop you from taking the next step to homeownership. Make a commitment and get started. Your dream home is waiting for you.

“A dream doesn’t become reality through magic; it takes sweat, determination and hard work.” – Colin Powell


Meet Carlos and Ivy

Carlos was skeptical about buying a home. He had tried before and failed. He was afraid of trying again and tired of hearing "no". His wife Ivy found The VA Lady and immediately felt this was a company that could help them with their lifelong dream of owning a home. Carolos enrolled in credit improvement coaching and within 12 months they became homeowners.


"Sometimes I wanted to give up”, Carlos said, “But Ivy kept reminding me of our goal of building something for our future. I'm glad we made it happen."

Step 3

Prepare to Purchase

Preparing to purchase a home is an exciting and significant milestone. You will work with one of our preferred Realtors (if you don't have one) who will guide you to search for your perfect dream home and get under contract to buy.

You have taken the actions needed to improve your credit. You have taken the steps to save enough money to close on a new home. You are ready. ​ You've completed the hardest parts which are correcting your credit, saving money, and getting preapproved. Now you can confidently embark on the path to purchasing your dream home.

“There are no shortcuts to any place worth going.”– Beverly Sills


Meet The Anderson Family

The Andersons were relocating from out of state and didn't want to get stuck renting again. They felt a new start in a new city would be the perfect time to buy a home. There was only one problem. Credit. They were not sure where to start. They reached out to The VA Lady and got signed up for Credit Improvement Coaching.

​They cleaned their credit, got preapproved for a home loan, met with our preferred Realtor, closed on their dream home, and never looked back. 

Step 2

Complete Your Personalized Action Plan

In this step we create a personalized Action Plan for you and your credit situation; no two plans are the same. We have broken your plan into several small and manageable steps that you can execute one by one. It starts easy but may get tougher along the way. Remember, no pain, no gain. 

​Embrace the challenges as the push brings you closer to your ultimate goal. When your plan feels too hard, don't give up. We'll be with you every step of the way.

“Challenges are what make life interesting and overcoming them is what makes life meaningful.” –Joshua J. Marine


Meet Jason

After years of trying to "fix" his credit on his own, Jason contacted The VA Lady and asked us to help him improve his credit and credit scores. By following our step-by-step Action Plans, Jason increased his total credit scores by 202 points in the first month.

Now, he sees light at the end of the tunnel. Jason knows he is on his way from the burden of renting, to the joy of owning a home. 


Frequently Asked Questions

How much does it cost? The total cost is only $649 per person, made in 2 payments. The initial payment is $99 and is due when are sign the Credit Improvement Coaching Agreement.


The initial payment includes:

  • Creating a personalized Action Plan for you to follow

  • Submitting up to 3 rounds of disputes with the 3 credit bureaus

  • Assisting with the removal of dispute statements from the credit report


The final payment of $550 is due when you purchase a home. If you never purchase a home, you never make the final payment. 

How long will I be in the program? We enroll you in the Credit Improvement Coaching for no more than 12 months. However, we reserve the right to terminate you from the service as spelled out in our Service Agreement.  If it takes longer than 12 months, we will evaluate your situation to determine if you need to extend the coaching services for an additional 12 months.


How long does it take to improve my credit? The time it takes to you for complete your plan is based on your current credit and your ability to complete the Action Plans we provide. You are in total control of the pace of your progress. The faster you complete your plan, the faster you can get better credit and into your dream home. It's that simple. 

Is there anything that will prevent me from getting enrolled? Yes. Improving your credit may involve the need for you to pay down or pay off debts. If you do not have enough money to complete these actions, it may be difficult to make substantial improvements to your credit scores. We can make that determination once we see your credit report. You will still need to pay the $165 initial cost. 

Is your service guaranteed? We guarantee that if you follow the Action Plan from start to finish and do not miss payments on your debts or get any new derogatory credit on your credit report, your credit score will increase. However, we can not guarantee what your final credit score will be at the end of the process.

Why do you provide this service? We know homeownership plays a vital role in building personal pride, financial stability, and stronger communities. Studies have shown that homeownership promotes civic engagement as well as physical and psychological health. You have served your country and deserve to be a member of the communities you help protect. Providing a path to homeownership is not just our mission, it's our strongest desire.

I've been in credit repair before, why are you different? We go a step further than "credit repair". We create a personalized step-by-step Action Plan for you to follow based on your individual credit situation. The Action Plans give you the information and tools you need to not just increase your credit scores but we give you’re the tools to that will educate you on maintaining good credit in the future.


How do I get started? Select the "Get Started" button below and complete the short form. If you plan to purchase a home loan with someone else, they will need to have good credit also. Both of you should get enrolled in Credit Improvement Coaching together.

Credit Improvement Coaching is offered through Credit Score 650

bottom of page