We Don't Fix Credit. We Fix Situations.
We help remove collections, charge-offs, and reporting issues while helping you build a stronger credit profile, step by step.
We use proven strategies, stay 100% compliant with the law, and fight for the results you deserve.
Chanel
Founder & Credit Specialist
187+
Average point increase within 90 days
94%
Of clients see improvement within 30 days
500+
Negative items removed for clients
Verified Client Results
Real Scores. Real Movement.
A selection of recent credit profile updates from clients enrolled in our programs. Each report reflects actual bureau movement, not projections.
Client Testimonials
Trusted by People, Backed by Results
See how our work has helped clients achieve better outcomes and real progress.
"I'm born and raised in Birmingham and I wanted to work with someone local who actually understood my situation. Within 60 days my Equifax jumped 97 points and I was finally approved for the home I'd been renting. This program changed my life."
Marcus J.
Birmingham, AL
"Professional, discreet, and consistent. They removed collections I'd been fighting for years. Worth every dollar."
Tasha M.
Dallas, TX
"We did the Couples Plan together. Both our scores moved into the 700s and we just closed on our first investment property."
Derek W.
Miami, FL
"I went from 568 to 711 on TransUnion. The portal kept me in the loop the entire time. Highly recommend."
Latoya P.
Charlotte, NC
The Problem
Why Your Credit Isn't Improving
Most people have more than one thing holding their credit profile back.
The Solution
Here's How We Fix It
We don't send random letters. We build a strategy around your actual credit profile.
Full Credit Analysis
We identify the accounts, balances, dates, and reporting issues affecting your profile.
Dispute Processing
We challenge inaccurate, outdated, unverifiable, or questionable reporting.
Credit Building Strategy
We guide you on what to add, fix, or avoid while your file is being worked.
Done-For-You Service
We handle the process and keep you updated through the client portal.
Free Score Estimator
See Your Estimated Potential
Tell us what's on your report and we'll show an estimated score range you could work toward. It's a starting point, not a promise.
Your credit profile
Negative items on your report
Collections
Accounts sent to collections
Charge-offs
Written-off balances
Late payments
30/60/90-day lates
Hard inquiries
Recent credit pulls
Your estimated range
Potential score increase
estimated points over your program
Based on your inputs, you could work toward the Very Good range. Every profile is different. Let's build your actual strategy.
Estimate only. This tool provides a general illustration based on common score-impact patterns and does not guarantee any specific result, score increase, or removal of any item. Actual results vary based on your full credit profile and how each account is reporting.
Credit Repair Programs
Choose Your Plan
Choose the option that fits your credit situation best.
90-Day Money-Back Guarantee (subject to approval)
3-Round Credit Reset
One-time payment
Start fixing your credit today.
Perfect for clients wanting to start the process and identify what's affecting their credit profile without a long-term commitment.
- Full credit analysis
- 3 dispute rounds
- Monthly audits every 30 days
- Collections, charge-offs, late payments, medical bills, hard inquiries reviewed
- Repos, evictions, bankruptcies, student loans, etc.
- Credit-building guidance
- Portal communication
6-Round Ultimate Credit Reset
One-time payment
Stay consistent, maximize your results.
Our most comprehensive program. Pay once and receive double the dispute rounds for deeper, longer-lasting results.
- Everything in the 3-round plan
- 6 dispute rounds
- Priority specialist access
- Monthly audits every 30 days
- Full creditor & bureau coverage
- Advanced credit-building roadmap
- Concierge portal communication
How It Works
A simple process built to keep you informed
A simple process built to keep you informed every step of the way.
Enroll Online
Choose your plan and complete payment.
Complete Onboarding
Upload your required documents through the portal.
We Start Disputes + Strategy
Your file is reviewed and disputes are prepared based on your credit profile.
Monthly Updates
You'll receive audits and progress updates every 30 days.
Hi, I'm Chanel
I'm the founder of The Financial Reset Group, and my passion for credit started with my own journey. I wasn't working on my credit just to have a higher score. I was working to create a better life. By 24, I was a single mother raising two children, and I knew their future depended on the financial decisions I made. I wanted stability, a home of our own, and the ability to provide more opportunities for my children without being held back by my credit.
I made the decision to take control of my finances, repair my own credit, and position my family for a more secure future. Through that journey, I became a homeowner at just 24 years old. That experience showed me firsthand that good credit is more than a number. It's a powerful tool for creating stability, accessing opportunities, and changing the direction of your family's life.
I also bring more than 10 years of banking experience in personal banking, business banking, and lending. I worked closely with individuals and business owners, helping them understand their finances and prepare for major decisions. That experience showed me how credit, banking history, and financial habits directly affect someone's ability to get approvals and access better opportunities.
I knew there were other mothers, families, and individuals facing financial setbacks who needed the education, the service, and someone who truly understood what it felt like to carry that weight while rebuilding from the ground up. So I turned my knowledge, banking background, and personal experience into a full-time mission.
Today, through The Financial Reset Group, I help everyday people challenge inaccurate or questionable negative items, rebuild their credit profiles, and understand the steps needed to position themselves for future financial opportunities. I know what it feels like to need a fresh start because I've had to create one for myself. Now I'm committed to helping others do the same: one credit profile, one family, and one financial reset at a time.
90-Day Money-Back Guarantee
If there's no change to your credit profile after 90 days of active work on your file, you can request a full refund. Subject to approval and the terms outlined in our Terms of Service.
We stand behind our work. If we don't deliver, you don't pay.
Questions?
Everything you need to know before getting started
Bad Credit Is Expensive. Fixing It Isn't.
Start building the credit profile you need for better approvals, lower deposits, and more financial options.
Fix My Credit