Questions, answered.

Yes. Your first consultation is a free 30-minute phone call. We look at where you are, answer your questions and explain your options. There’s no obligation to sign up for anything.

Yes. You have the right to dispute information on your credit report that is inaccurate, incomplete or can’t be verified, and a credit repair company can help you do that. What no one can legally do is remove accurate, current information — so be cautious with anyone who promises that.

It depends on what’s in your reports and what you’re working toward. Credit bureaus generally have about 30 days to investigate a dispute, and building positive history takes time. On your consultation we’ll talk through realistic next steps for your situation — without promising a specific timeline or score.

Absolutely. Consultations, messages and resources are available in English and Spanish — whichever you’re more comfortable with.

It depends on the help you need. We explain every cost clearly on your free consultation, before you decide anything — no surprises.

Collections, charge-offs, repossessions, late payments, medical-bill reporting and other items that appear inaccurate, incomplete or unverifiable. Accurate, timely information can’t be removed by anyone — but we’ll help you understand it and plan around it.

Filing a dispute doesn’t, by itself, lower your credit score. If information is corrected or updated after an investigation, your score may change as a result, depending on your full credit profile.

Yes. You can dispute directly with the credit bureaus for free. Many people choose guidance because it saves time, helps them understand their reports and keeps the process organized.

One-on-one education: how scores work, how to use credit wisely and how to build positive history — so the progress you make lasts.

Getting your business into a position lenders can take seriously: a properly registered entity, an EIN, a business bank account, established business credit files and organized documents. We help you build that foundation step by step.

No. Gold Star Credit is not a lender and doesn’t make loans. We help you prepare so you can approach lenders and financing options with confidence.

No one can honestly guarantee funding. Approval decisions, amounts and rates always come from the lender, based on your business and credit profile.

Usually, yes — especially for newer businesses. Many lenders review the owner’s personal credit and may ask for a personal guarantee, which is why we often work on both.

Not to start the conversation. But a properly registered business entity is one of the first things many lenders look for, and we can walk you through that step.

Just a few minutes and a quiet place to talk. If you have recent copies of your credit reports, great — but please don’t send documents or account numbers through the website or chat.

Yes. We work with clients across the United States by phone, WhatsApp and email.