Every point below prime costs you real dollars on every future loan, lease and policy. Our restoration team disputes what’s inaccurate, builds what’s missing, and coaches what’s next.
Two questions, then a specialist takes a look.
Secure & confidential. No obligation.
At a Glance
A structured program with a clear goal: a score that opens doors instead of closing them.
What It Is
Credit reports are wrong more often than most people imagine — studies have found a large share contain errors, and even one mistaken late payment or misreported balance can drag a score for years. Our team pulls all three bureaus, identifies every inaccurate, outdated or unverifiable item, and challenges them through the dispute rights federal law gives you.
Disputes are half the work. The other half is construction: optimizing utilization, adding positive tradelines, and sequencing your next moves so the score climbs and stays climbed.
What Better Credit Buys
Nobody repairs credit for the number. They do it for what the number unlocks.
Moving from 620 to 740 can cut a mortgage rate by a full point or more — often six figures of interest over the life of the loan.
Biggest payoffBetter personal credit widens every business funding door we offer: larger amounts, longer terms, lower cost. The two are inseparable.
Funding unlockAuto loans, credit cards, insurance premiums, security deposits — a strong score quietly discounts your entire financial life.
Everyday savingsStop planning around rejection. A clean report means applying with confidence — for the apartment, the lease, the limit increase.
Peace of mindSimple Process
No magic, no “new credit identity” nonsense — just process, persistence and the law working for you.
We pull and analyze your Experian, Equifax and TransUnion reports, flagging every item that’s hurting you and whether it’s challengeable.
Step one · freeInaccurate, unverifiable and outdated items get disputed with the bureaus and furnishers — properly documented, professionally persistent.
Rounds of 30–45 daysWhile disputes run, we optimize utilization and add constructive tradelines, so the score has fuel to climb as negatives fall away.
Both directionsMortgage-ready? Funding-ready? We hand you directly to the right BTEC desk the moment your score clears the bar.
The whole point
Honest Expectations
Anyone guaranteeing a specific score jump by a specific date is selling you something dishonest. What we promise instead: a rigorous process, real work every month, transparent reporting, and the freedom to cancel anytime if you’re not seeing value.
What tends to be true for clients who stay engaged:
Questions, Answered
Completely. The Fair Credit Reporting Act gives you the right to dispute any inaccurate, incomplete or unverifiable information on your reports. We exercise those rights professionally and at scale — that’s the entire service.
Dispute rounds run 30–45 days each. Many clients see first deletions or corrections in the opening round, with meaningful score movement typically inside 60–120 days. Complex files take longer — your review will set honest expectations for yours.
No one legitimately can, and you should run from anyone who claims otherwise. What we can do: verify they’re being reported correctly (often they aren’t), map exactly when they age off, and build enough positive history that they stop defining your score.
A flat monthly fee, month to month, cancel anytime — quoted after your free review so you know the scope before spending a dollar. No setup fees, no per-deletion charges, no long contracts.
No. Disputes themselves don’t lower scores. Deleting a negative item helps; the occasional correct-as-reported outcome simply leaves things as they were.
Often, yes — revenue-based business funding and factoring weigh credit lightly. A common play: fund the business now, repair the score in parallel, then refinance everything at better terms in six months. Ask your specialist to map it.
Still curious? Read the full FAQ or call (877) 283-2321.
Start Free
No cost, no obligation, no credit impact. A restoration specialist will walk your report with you.
What are you applying for?
Choose the option that fits best — you can always talk it through with a specialist.
How much funding do you need?
Drag the slider — a rough number is fine.
What's it for?A few details
This helps us match you with the right lenders.
Where should we send your options?
A funding specialist will review and reach out — no impact to your credit score.
Speed things up with documents (optional)
Recent bank statements help us get you approved faster. Accepted formats: PDF, PNG, JPG — max 3 files.
Review your application
Make sure everything looks right — then send it our way.
Thank you — your application has been received. A dedicated funding specialist will contact you within one business day.
Need us sooner? Call (877) 283-2321.
Success Stories
Rebuilt credit, and everything it reopened.
They helped me refinance and repair my credit at the same time. My score is up 90 points.
They approved me when my credit was far from perfect — and helped me rebuild it along the way.
Second time funding with BTEC. They remember your business and it shows.
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Start Today
The free review costs nothing and tells you exactly what’s fixable. The only wasted move is waiting.
