Repair
Credit repair
A full pass over your report to challenge charge-offs, late payments, collections, bankruptcies, and inquiries that are inaccurate, outdated, or unverifiable — so what lenders see is what's actually true.
Credit Advisor · CredStart
Getting you qualified is the whole job.
I work with homebuyers, business owners, and people rebuilding after a hard few years. We set the score you actually need, build the plan around it, and work that plan until the approval comes through.
Free consultation · No obligation
Jermal Williams
585
Conventional-ready
Today 585Goal 720
CredStart featured in
12+
Years CredStart has worked in credit
41,000+
Credit transformations delivered
3,700+
Clients qualified in 2026
What I can put to work for you
The full CredStart toolkit, matched to your situation.
Most people need two or three of these, not all seven. On our first call I'll tell you which ones actually move the needle for your goal — and which ones you can skip.
Score
Score Booster Program
Built for a deadline. When you need a specific number by a specific date, we use tradeline strategy and credit-activity analysis to close the gap fast — typically inside 15 to 60 days, working alongside your broker or lender.
Business
Corporate credit
Separate your business from your personal file. Registration, entity setup, vendor tiers, and a portfolio built in the right order so your company can borrow on its own name.
Security
Fraud & identity theft recovery
If accounts were opened in your name, we handle the corrective work and put monitoring in place so it doesn't happen twice.
Build
Credit building
Thin file or starting over? We add the right accounts in the right sequence, then keep utilization and age working in your favor instead of against you.
Debt
Debt negotiation & settlement
Our settlement team negotiates directly with collectors, often resolving balances well below what's owed. If there's a lawsuit or judgment in play, we work to structure a payment arrangement and keep you out of court. We also help restructure obligations like child support and student loans.
Student
Student loan strategy
A clear read on your loans, your repayment options, and which forgiveness paths you actually qualify for — translated out of federal-regulation language and into a plan you can act on.
How we work
Three steps. No mystery in any of them.
You'll always know what's happening on your file and why. Here's the shape of it.
Day 0 · The call
Tell me where you're headed
Fifteen minutes, no cost. What are you trying to get approved for, and when? That answer sets the target score and everything after it.
Day 1–2 · The plan
We build it on a real report
I pull and read your actual file — not a Credit Karma estimate — and come back with a written plan: what we challenge, what we build, and what it should cost you.
Day 15–60 · The work
We work it until you qualify
Disputes go out, accounts get restructured, and I update you as items resolve. Scores move up and down mid-process — that's normal, and I'll tell you when the number is real.
About Jermal
“Nobody calls me because they want a better credit score. They call because they want the house, the truck, the business line. The score is just the lock on the door.” Jermal Williams · Credit Advisor, CredStart
I sit down with your report, explain what each line is doing to you in plain English, and then we go fix it. You'll get straight answers about what's realistic, including when the honest answer is "wait ninety days and don't apply yet."
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Homebuyers on a clockUnder contract or pre-approval pending, and short of the score your lender needs.
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Business ownersReady to stop personally guaranteeing everything and build credit under the company.
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Rebuilding after a rough stretchCollections, charge-offs, a bankruptcy — and no clear idea where to start.
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Identity theft victimsAccounts you never opened, and a report that needs to be corrected properly.
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First-time buildersNo history yet, and tired of being declined for having nothing on file.
Client results
What CredStart clients say.
Excerpts from verified Yelp reviews of the CredStart team.
★★★★★
Learned what actually matters to the bureaus, and the score climbed past 815 on guidance alone.
Karen G. · Yelp★★★★★
Preparing for a home loan had been stressful. The team stayed communicative and made the process a breeze.
Alexys C. · Yelp★★★★★
Over a hundred points in a year, then vehicles at strong interest rates. It took persistence, and it worked.
Brandon M. · YelpRead all reviews on Yelp ↗
Straight answers
Questions I get on every first call.
What's the difference between credit repair and the Score Booster Program?
Credit repair is the comprehensive route. We go through your history and work to remove charge-offs, late payments, bankruptcies, collections, and inquiries that don't belong there, and the score improves over time.
Score Booster is a sprint toward one number by one date — usually 15 to 60 days. It leans on tradeline strategy and credit-activity analysis, and we often run it alongside your broker or lender so the qualification lines up with your closing.
What can actually be removed from my report?
Inaccuracies, outdated entries, duplicates, and items that can't be verified — late payments, charge-offs, collections, bankruptcies, and reporting errors among them.
What can't be removed: accurate, current, verifiable negative information. Anyone who tells you otherwise is selling you something. I'd rather set the expectation correctly on day one.
Why does my score bounce around after we start?
Because the bureaus are recalculating as items are removed, updated, and disputed. It's normal to gain 100 points one week, give back 80 the next, and gain 85 a few days later. I watch the file through it and tell you when the number has settled enough to be worth checking.
Why is my Credit Karma score different from my lender's?
Different scoring model. Credit Karma uses a generalized one; most lenders and brokers pull FICO, which weighs the same information differently. The only score that matters for your approval is the one your lender pulls — so that's the one we target.
Can I apply for new credit while we're working?
You can, but call me first. Timing an application badly costs you points and approval odds at the exact moment you need both. A quick check-in usually saves months.
What does it cost?
The consultation is free, and pricing depends on which services your file actually needs. You'll get the number in writing before anything starts — no surprises, no charges before we've talked.
Let's talk
Request a callback.
Send this over and I'll call you back — same day if it comes in before 5pm PT, next business morning otherwise. Prefer to just call? The number's right here.
Tell me what you're working toward
Free consultation. Nothing is charged, pulled, or run until we've spoken.