Personalized Credit Coaching
That Gets You Where You Want To Go.
Whether you're just getting started or ready to go all-in — we’ve got a coaching plan that works for your budget, goals, and lifestyle.
Step 1
Discover what’s holding you back
Step 2
Choose your support style
Step 3
Follow your custom plan
every plan
—comes with expert guidance, strategic planning, & accountability.
Our goal is to help you take control of your credit with less stress and more clarity. whether you’re ready to do it yourself or want us to handle the details.
Lite Coaching $50/mo
For self-starters who want expert support but prefer to stay in control.
- ✅ Personalized Credit Action Plan: Step-by-step guidance tailored to your goals.
- ✅ AI Credit Assistant Access: 24/7 support when you need it.
- ✅ Monthly Strategy Sessions: Consistent coaching to stay accountable.
- ✅ Progress Reviews: Visual tracking of your credit growth.
- ✅ You Handle Disputes: We guide, you implement.
- ⚪ VIP Support: Not included in Lite Plan.
- ⚪ Done-For-You Services: Upgrade for hands-free experience.
VIP Full-Service $115/mo
Let us do the heavy lifting. We handle the strategy and execution—so you can focus on your goals.
- ✅ Custom Credit Game Plan: Tailored to your timeline + priorities.
- ✅ AI Credit Assistant Access: Instant answers, 24/7.
- ✅ Monthly Coaching & Check-ins: Consistent progress reviews + strategy.
- ✅ Full Progress Tracking: See what’s working, every step.
- ✅ We Handle All Disputes: You relax—we take care of it.
- ✅ VIP Text & Email Support: Concierge-level communication.
- ✅ Video Strategy Reviews: Walkthroughs sent directly to you.
LITE COACHING
Best for self-motivated clients who want expert guidance but prefer to take the wheel. You’ll get monthly strategy calls, AI assistant support, and a personalized game plan you can follow at your own pace. We’ll show you what to do—and you’ll make it happen.
VIP Full-Service
Busy professionals, overwhelmed parents, or anyone who wants fast results without the hassle. We manage your strategy, handle the disputes for you, and deliver video progress reviews so you always know where you stand. You get your time back—and results you can trust.
Not Sure Which Plan to Choose?
Whether you’re just getting started or you’re ready to hand it all off, we’ve got a plan that fits your life, your pace, and your goals. Every coaching plan includes expert guidance, accountability, and tools to help you take control of your credit—no confusion, no fluff. If you'd like to book a call we totally get it CLICK HERE TO GET ON THE CALENDAR.
Explore Free Services
DIY Portal
Learn at your own pace with real tools that work—no fluff, no guesswork. Smart, self-paced platform for those ready to improve their credit with step-by-step instructions and tools.
What You Get
Smart dashboard that tracks & updates progress
On-demand dispute templates
Video guides for each step
Credit monitoring
You'll just cover cost for credit monitoring—no other monthly fees. We use MyScoreNow to track your score and strategy progress. Setup only takes 5 minutes.
"Approved "
"I’m absolutely satisfied with her work, she did a great job with my credit and continues helping me. My credit was pretty bad, and now it’s going up, even when I thought it wasn’t possible, and now I’ve even been approved for a new credit card! 😊 She always gives me tips on how to manage my cards. If you need someone reliable, she’s the one!!!"
- Jeanette
"So grateful"
"I just want to say a big thank you to Johanna for being so nice and helping me fix my credit. She was patient, understanding, and really knew what she was doing. I had been struggling for a while and didn’t know where to start, but she guided me through the whole process and made everything so much easier. Because of her help, my credit score has gone up and I finally feel like I’m back on track. I’m so grateful for everything she did for me!"
- Valeria
"Highly recommend"
"Best credit repair service and person to go to. Joanna truly cares about your financial well being and goals , and there’s a big focus on educating you on your credit and where your money is going, not just fixing the numbers. She genuinely wants you to succeed long term , not just get that quick fix. Highly recommend to anyone looking to improve their credit while actually learning how to manage it better ! She gives very clear and personalized advice that has honestly paid off!"
- Esmeralda
This Isn’t Just Credit Repair—It’s a Life Shift.
Frequently Asked Questions
How often do you pull credit reports?
Every 35–45 days. That’s when I check for deletions/updates and send recommendations. You’ll always know what I’m working on and what steps you should be taking too.
How long does credit repair take?
It depends on your credit situation, but most of my clients start seeing results within 30–60 days. Full repair can take anywhere from 3–6 months, sometimes more depending on your goals and what's on your reports.
Do you work with people buying a home?
Yes! I work with buyers, loan officers, and Realtors every day to help clients get mortgage-ready. If you're trying to qualify for FHA, Conventional, or other loans — let’s make a game plan!
Can I still sign up if I’ve tried credit repair before?
Yes, even if you’ve tried before, my approach might be different. Whether you did it yourself, used another company, or gave up halfway — let’s talk. You deserve a fresh start.
Can I pause or cancel services?
Yes! Just give me notice before your next billing date. You can pause and come back when you're ready — just keep in mind there’s a reactivation fee if you stop and start again.
Do I need credit monitoring?
Yes. I use both MyScoreNow and SmartCredit to track your score, see changes, and monitor all three bureaus. It must be active the whole time we’re working together. A 7-day trial is available
Need More Help? Contact us
Email us at [email protected] or book a free call.
[Book a Free Strategy Session] 📱 Text Support Available: (559) 574-3465
You’re Not Stuck,
You Just Need a Plan.
Savvvy Resolutions
Build Credit. Build Confidence.
(661) 485-4453
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