Starter Plan
$175/month
Build the foundation for better credit.
- Dispute negative items such as late payments and collections
- Step-by-step credit rebuilding guidance
- Improve your score over time
- Ideal for getting back on track
Joyful Capital Advisory
Strategic Credit & Capital Positioning
Structured advisory designed for serious funding readiness.
Joyful Capital Advisory
Premium Credit Repair, Business Credit & Banking Restoration Packages
Choose the right solution to restore, rebuild, and grow with a premium service experience designed to support stronger personal credit, business readiness, and long-term financial progress.
Main Priority Section
Credit Repair & Business Credit Plans
These plans should be the first and strongest visual focus, making it easy for visitors to compare, choose, and take the next step with confidence.
Most Popular
Pro Plan
$900paid in full
Consistent, faster results with a clear plan.
- Everything in Starter, plus
- More aggressive dispute strategies
- Personalized credit improvement plan
- Preparation for business credit
Elite Plan
$1,500paid in full
Fast-track your results and maximize your credit potential.
- Everything in Pro, plus
- Priority support
- Rapid dispute processing
- Optimized for faster score increases
- Business credit readiness
Business Credit & Setup Packages
Premium setup packages for clients who need proper business structure, credit positioning, and a stronger funding foundation.
Business Setup Only
$2,000setup package
For clients who only need help getting their business structured properly.
- LLC or Corporation setup guidance
- EIN registration
- Business structure and compliance setup
- Professional foundation for business credit
Serious Builders
Boss Business Package
$3,500business credit package
Full-service business setup + credit building system.
- Complete business formation guidance
- EIN, business structure, and compliance setup
- Business credit profile creation
- Vendor accounts and tradeline guidance
- Personal credit repair included
- Step-by-step funding strategy
Designed for serious clients ready to build business credit and access funding the right way.
Additional Services
Smaller targeted services designed to support banking restoration and profile optimization while keeping the same polished, premium presentation.
Banking Restoration Strategy
$350service
This service is designed to help restore your banking profile and improve your ability to open new accounts.
- ChexSystems Removal
- Early Warning Services Removal
- You can choose one service or both, depending on your needs
Inquiry Optimization Strategy
$350service
This service focuses on removing unnecessary or inaccurate inquiries from your credit profile to help improve your overall positioning.
- Inquiry Removal
Elite Banking Restoration
$700service
This service is designed to clean and restore your banking history, so you can improve your chances of opening new bank accounts.
We target and remove negative records from ChexSystems and Early Warning Services, which banks use to approve or deny accounts.
If you’ve been denied banking access, this service helps reposition your profile and get you back on track.
Ready to Take the Next Step?
Build your personal and business credit the right way.
Start with the package that fits your goals and move forward with a polished, strategic plan designed to help you restore, rebuild, and grow.
Our Programs
Tailored solutions to elevate your financial profile.
Funding Strategy Membership
- LLC Formation
- Business Essentials
- Foundational Strategy
Positioning
- Business Credit Profile
- Credit Optimization
- Strategic Funding
Business
- Bean & Line of credit
- Lender Negotiation
- Capital Acquisition
Capital + Credit Elite Program
- Cashflow Strategy
- Private Certification
- Finance Strategy
Success Stories
Client Transformations
"Got approved for my first unsecured credit with a credit union for a limit of $2,000! This journey changed my life."
— Satisfied Client
"APPROVED! Never thought I'd be driving my dream car. The credit repair process was seamless and life-changing."
— Happy Customer
"Big shoutout because we did that! 2025 was the year everything came together. Forever grateful."
— Shania's Client
"Rooting for every version of me that thought she couldn't have it. God was the buyer, I'm just the co-signer! Huge shoutout to my credit repairer."
— Gabby Dominique
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