Services
What we do
Credit first, funding second. Five pieces. The community is free to join, and Premium is $63 a month for the full classroom. Done-for-you credit repair is free for Premium members.
-
Full file review
All three reports, read line by line.
Who it's for Anybody who has never had their own reports explained to them.
What happens
- You keep a monitoring subscription in your own name so we can see all three reports.
- You send ID, proof of address from the last 60 days, and proof of your Social Security number, through a secure link.
- We read all three side by side, which is where the differences show up.
- We flag every item that is inaccurate, out of date, duplicated, or undocumented.
What you get
- A plain-language map of all three reports
- The exact items to be challenged, and why
- A straight answer about what's accurate and staying put
-
Credit repair, free for Premium members
Disputes written, filed and followed up in your name, round after round. Premium is $63 a month, for the full classroom.
Who it's for People whose reports carry inquiries they never authorized, or collections, charge-offs, late payments, a repossession or a bankruptcy that are reported wrong.
What happens
- You keep a credit-monitoring subscription in your own name so we can see all three reports; that service bills you, not us.
- Dispute letters go to the credit bureaus, naming each item and what is wrong with it.
- The bureaus answer on a clock federal law sets, not one we control.
- Every round you hear what came off and what stayed. Verified items get another approach.
What you get
- Disputes prepared and filed every round
- An update after every round, including the quiet ones
- Copies of what went out in your name
What it doesn't do We can't make accurate, current and verifiable information come off your report, and neither can anybody else. You have the legal right to dispute every item yourself for free. Nothing is billed before it is performed.
-
Personal profile building
Turning a clean file into one a lender has seen before.
Who it's for People whose negative items are handled but whose file is thin or young.
What happens
- We look at what a clean file can still be missing: age, mix, utilization.
- A list of what to add, what to leave alone, and in what order.
- Utilization first because it moves fastest, then mix, then age.
What you get
- What underwriters read, and what they ignore
- Moves for your file, not a generic one
- Somebody to check with before you open or close anything
-
Business setup and business credit
Making the business look, on paper, like one a lender has seen before.
Who it's for Anybody who wants funding in the name of a business, not only their own.
What happens
- The basics that become a no: entity, EIN, industry code, address, phone, company bank account.
- We check each of those says the same thing everywhere it appears.
- We start a business file with accounts that actually report.
What you get
- A checklist specific to what you actually filed
- Your details reconciled across the entity, the bank and the agencies
- A business credit file that exists instead of being blank
What it doesn't do We are not attorneys or accountants, so no legal or tax advice. A business file takes time and doesn't cancel out your personal reports; for a young company most underwriting still comes back to you.
-
Funding readiness review
A straight read on where you stand before you spend an inquiry finding out.
Who it's for People who have been through the repair and the building and want to know what is next.
What happens
- We go through the picture a reviewer would: reports, utilization, the business file, revenue.
- We tell you what's strong, what's soft, and what somebody is likely to catch.
- If the right move is to wait, we say wait, and what we'd fix first.
What you get
- An honest read of the file as it stands today
- The weak spots a reviewer would land on
- Which applications are worth an inquiry and which aren't
What it doesn't do NorthStar Funding is not a lender and does not make loans. We do not submit applications for you, we do not place capital, and nobody pays us to send you their way. Every application has your name on it, not ours.
Start with a straight read of your file
Tell us what's on your reports and where you've been told no. We'll tell you what we see, what we'd do first, and whether the membership is right for you. If it isn't, we'll say so.