Answers Before You Ask

It depends entirely on what's on your report and how the bureaus and furnishers respond. Dispute cycles typically run in 30-to-45-day windows, and most profiles need more than one cycle. On your consultation we'll walk through your specific situation and give you a realistic timeline.

No, and nobody can. Accurate, current, verifiable information stays. What we challenge is what appears inaccurate, incomplete, outdated, or unverifiable — and that's often more than people expect once someone reads the file properly.

Yes. You have the right to dispute information in your credit file directly with the bureaus and furnishers at no cost, and free resources are available at consumerfinance.gov and annualcreditreport.com. People bring us in for the reading of the file and the sequencing, not because it's the only legal route.

It depends on the scope, which is why we don't quote before looking at the file. You'll have the full cost in writing, along with the plan, before you agree to anything — and the consultation itself is free either way.

Access to your three reports, identification to verify you are who you say you are, and a straight account of what's on there.

It's fifteen minutes to find out where you stand. If the answer is that you can handle it yourself, we'll tell you that. If the timeline doesn't fit the goal you have in mind, we'll tell you that too.

No. The eligibility check is a soft review of what you tell us — no hard inquiry is placed. Hard pulls only happen later, with your consent, when an actual application goes to a lender.

It depends on time in business, revenue, and what both your personal and business profiles look like. We'll give you a realistic range after the review — anyone quoting a number before seeing your file is guessing.

Sometimes — revenue-based and asset-backed programs weigh the file differently. Often the honest answer is that a few weeks of credit work first turns a decline into an approval at far better terms.

No. Flanders Advisory is not a lender or a bank. We prepare your profile and connect you with lending partners. Every credit decision, rate, and term is set by the lender, not by us.

If the file is already strong, some programs decide within days. If there's credit work to do first, plan in dispute cycles of 30 to 45 days. We'll tell you which path you're on before you commit to anything.

Yes. No card, no trial, no upsell wall. Enter your email and the guide arrives immediately.

Send you the guide, and occasionally something useful on the same subject. You can unsubscribe from any email in one click, and we don't sell or share your details.

No. You have the right to dispute information in your credit file yourself at no cost, and the guide walks through how. If you'd rather have it handled, that option's there — but the guide stands on its own.

No, and be careful with anyone who says otherwise. Results depend on what's actually on your report. The guide explains what's within your control and what isn't.