Week 1
Audit & Game Plan
Upload your reports safely and meet with a certified strategist who maps every inaccurate, unverifiable, or outdated item to tackle first.
FICO-friendly guidance • No hard pull
Credit Repair SolutionsFor You
Dispute errors, organize your reports, and build healthy credit habits—without the guesswork.
Transparent pricing
Cancel anytime
Secure document upload
Avg. score gain
+92
Median improvement after 4 months for active clients
Disputes resolved
21k
Combined inaccuracies successfully challenged this year
Portal logins
94%
Clients who say our progress tracking keeps them on pace
Consults booked
48h
Average time from inquiry to your first strategy session
What We Do
Credit repair built for momentum
We combine certified credit analysts, modern automation, and clear coaching so you can resolve disputes faster and rebuild with confidence.
Analysis & Audit
We carefully review your credit reports across all three bureaus to spot inaccuracies, outdated accounts, or unverifiable items.
Included
Dispute & Resolve
Our dispute experts contact creditors and bureaus to challenge negative marks and ensure your record reflects accurate information.
Included
Rebuild & Educate
Once errors are removed, we help you build positive credit with proven strategies and personalized guidance.
Included
Track Your Progress
Your secure portal lets you monitor improvements and follow each step of your repair journey in real time.
Included
No obligation. We uncover the fastest path to a stronger score.
Journey
The Finova advantage, step by step
Transparent milestones keep you confident. We handle the heavy lifting while your dashboard tracks every dispute, response, and score lift.
Weeks 2-8
Targeted Disputes
We coordinate bureau and creditor outreach with custom dispute letters, leveraging consumer protection laws tailored to your situation.
Weeks 4-16
Score Rebuild Sprint
Smart utilization, tradeline guidance, and reminders for the positive actions that deliver the biggest lift for your profile.
Ongoing
Launch & Sustain
Graduation review sets you up with long-term score protection, refinancing game plans, and ongoing alerts in the Finova portal.
4.9 Average Rating
Real Clients. Real Progress.
1,200+ verified success stories and counting
Featured by Credit Weekly
Partnered with Equifax
Endorsed by SmartSpend
Member of NACSO
Trusted by HomePro Lending
BBB Accredited A+
AR
Angela R.
Los Angeles, CA
Finova helped remove two inaccurate collections and coached me on utilization. My score is up 92 points in 4 months.
Verified Client
MD
Marcus D.
Phoenix, AZ
Transparent, no pressure, and real results. I finally qualified for my auto loan at a reasonable rate.
Verified Client
SK
Sofia K.
Columbus, OH
The portal made it easy to track disputes. They explained every step so I actually understood my credit.
Verified Client
One-Time & Debt-Based Support
Focused help when you need a powerful push
Tap targeted services for a specific collection, debt challenge, or upcoming loan. Fees scale with the work required—never a surprise.
One-Time Dispute Sprint
$249 flat
Target a specific bureau error or collection with legal-backed dispute letters and follow-up coaching.
- Certified mail dispute packet prepared for you
- 30-day response tracking & escalation path
- Follow-up review to lock in the score gain
Debt Reduction Advocacy
12% of resolved debt
For charge-offs or high balances impacting approval. We negotiate settlements and document compliance.
- Strategist-led negotiation with creditors
- Payment timeline coordination and reporting
- Post-resolution credit rebuilding plan
Homebuyer Fast-Track
$599 flat
Designed with lenders for rapid score improvement when you are inside a mortgage underwriting window.
- 48-hour file audit & lender communication
- Rapid rescore support with documentation
- Pre-close monitoring to prevent surprises
FAQ
Common questions from new members
We keep everything transparent. If there’s anything else you’d like to ask, reach out via chat inside the Finova portal.
How long does credit repair with Finova usually take?
Most members begin seeing meaningful score movement within 45-90 days. The full program timeline depends on the number of disputed items and how quickly bureaus respond, but our average engagement lasts 4-6 months.
Do you run a hard inquiry to get started?
Never. We work with the reports you securely upload or that you already have access to. Our portal uses encrypted storage so your information stays protected throughout the process.
What makes Finova different from other repair services?
Beyond disputes, we coach you on utilization, new tradelines, and debt payoff strategies that create lasting score changes. Each client has a dedicated success manager who updates you every step of the way.
Can I cancel if I’m not satisfied?
Yes. We operate on a month-to-month membership with no long-term contracts. Cancel anytime by notifying your success manager or contacting support in the client portal.
Ready when you are
Start your complimentary credit strategy session
Bring your latest reports and we’ll map the first 90 days for you—free. See exactly how Finova would tackle your disputes before you commit.