About Andy Flanders | Flanders Advisory
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Credit Found Me.

Founder, Flanders Advisory

From the Dealership Floor

For more than 15 years I built my career in the automotive industry, eventually becoming a General Sales Manager. Credit was part of my everyday life — I reviewed credit profiles, worked with lenders, structured financing, and helped thousands of people navigate one of the biggest financial purchases of their lives.

The Other Side of the Desk

I didn't go looking for credit — credit found me. My own relationship with it became personal when I went through the process of repairing and rebuilding my credit, and I know firsthand how frustrating it is to want better without knowing what needs to change. After years of reviewing thousands of profiles, I developed a trained eye for looking beyond the score — for what's helping a profile, what may be holding it back, and how the pieces of a credit file affect financing opportunities.

"I didn't go looking for credit — credit found me."

Why Flanders Advisory Exists

That combination — years on the lending side of the desk, and my own experience on the other side of it — led me to create Flanders Advisory. My mission is to help people better understand their credit, address legitimate reporting issues, strengthen their overall profile, and build a strategy around where they want to go next.

My goal isn't just to help you work on your credit. It's to help you understand how to use it.

Andy Flanders — Founder, Flanders Advisory

Important disclosures. Flanders Advisory is not a law firm, credit counseling agency, or lender, and does not provide legal, tax, or investment advice. We provide credit education, document preparation, consumer advocacy, and funding-readiness services, and refer funding applications to third-party lending partners.

We cannot remove accurate information. No company can lawfully remove accurate, current, and verifiable information from a credit report. Our work is limited to challenging items that appear inaccurate, incomplete, outdated, or unverifiable under the Fair Credit Reporting Act.

You can do this yourself for free. You have the right to dispute information in your credit file directly with the credit reporting agencies and with furnishers at no cost. Free resources are available at consumerfinance.gov and annualcreditreport.com.

No guaranteed results. Individual results vary. No specific score increase, item removal, loan approval, interest rate, or funding amount is promised or guaranteed. All credit and lending decisions are made solely by lenders and creditors.