CREDIT REPAIR THAT GOES BEYOND THE NUMBER.
Take the first step toward addressing negative items on your credit report and building a stronger financial foundation.
START TODAY ➜
Stop Guessing. Start With a Plan.
Credit repair can feel overwhelming when you don’t know what to dispute, where to start, or what happens next.
We make the process simple, clear, and easier to follow so you can understand what’s happening with your credit and what comes next.
HOW IT WORKS
We Review Your Credit
We identify the negative items affecting your credit profile and review what may need attention.
We Build Your Strategy
We determine which items may be inaccurate, incomplete, outdated, or unverifiable.
We Get to Work
Disputes are submitted and your credit progress is reviewed as updates come in.
What Happens After Purchase?
Purchase Your Plan
Choose the credit repair plan that fits your needs, complete your purchase, and secure your spot.
Your onboarding process begins after purchase.Activate Your Credit Monitoring
Your credit monitoring system must be active so our team can review your current credit reports and monitor changes throughout the process.
Complete this step as soon as possible after purchase.Complete Onboarding + Submit Documents
Check your email after purchase for your onboarding instructions and complete all requested information.
Utility bill · Bank statement · Lease or mortgage statement
We Begin Your Credit Repair Process
Once your credit monitoring is active, onboarding is complete, and all required documents have been received, our team can review your credit profile and begin your dispute strategy.
We handle the process while keeping you updated along the way.Choose Your Credit Repair Plan
Choose the level of support that fits your credit journey. Both plans are designed to help you address inaccurate, outdated, or unverifiable negative reporting while building a stronger financial foundation.
Silver Credit Repair
A structured six-month credit repair program designed for clients ready to address negative reporting and strengthen their overall credit profile.
Premium Credit Repair
A higher level of credit repair support for clients who want comprehensive analysis, unlimited dispute rounds during the service period, and priority guidance.
Specific deletions, credit score increases, funding approvals, outcomes, and timelines cannot be guaranteed. Results vary based on each individual credit profile and the responses received.
Hi, I’m Xavier Rollins
I created Beyond the Score Financial because I understand how frustrating it can feel when your credit keeps standing in the way of the life you’re trying to build.
Whether it’s getting denied, dealing with negative accounts, or simply not knowing where to start, credit problems can make you feel stuck. That’s why I wanted to build something that goes beyond simply looking at a number.
At Beyond the Score Financial, my goal is to help you understand what’s affecting your credit profile, identify the areas that may need attention, and give you a clear strategy for moving forward.
I believe your current credit situation does not have to define your financial future.
With the right information, the right strategy, and consistent action, you can begin addressing the negative items holding your profile back and work toward building a stronger financial foundation.
What makes Beyond the Score different is the focus on the bigger picture. We’re not here just to talk about a credit score. We’re here to help you better understand your credit, navigate the process with confidence, and position yourself for better financial opportunities moving forward.
If you’re tired of guessing what to do next and you’re ready to start taking action on your credit, I’m here to help guide you through the process.
Your credit history may explain where you are — but it doesn’t have to decide where you go next.
Frequently Asked Questions
Do I Need a Consultation?
No. A consultation is not required to get started.
You can choose your credit repair plan directly online. After purchase, you’ll receive your onboarding instructions so you can activate your credit monitoring, submit the required information and documents, and begin the process.
What Negative Items Can You Help Address?
Every credit profile is different, but we can review a range of negative reporting and determine what may be inaccurate, incomplete, outdated, or unverifiable.
- Late Payments
- Collections
- Charge-Offs
- Student Loan Reporting
- Repossessions
- Hard Inquiries
- Bankruptcies
- Medical Collections
How Long Does It Take to See Results?
There is no set timeline because every credit profile and dispute situation is different.
The timing depends on the items being addressed, how the credit bureaus and furnishers respond, and what changes occur throughout the process. Specific deletions, score increases, and timelines cannot be guaranteed.
How Do I Get Started?
Getting started is simple.
Choose your plan, complete your purchase, activate your credit monitoring system, and submit your onboarding information and required documents. Once everything is complete, your credit profile can be reviewed and your dispute strategy can begin.