One-on-One Credit Coaching

Why Credit Coaching Changes Everything

If you’ve ever felt lost, frustrated, or unsure about how to fix your credit and move forward financially, you’re not alone — and that’s exactly why our credit coaching exists. This isn’t a generic course or one-size-fits-all advice. At Got Credit?, our coaching program gives you personalized, expert guidance designed specifically for your credit profile, your financial situation, and your goals. You’ll work one-on-one with a dedicated coach who will help you create a step-by-step action plan, understand which accounts are helping or hurting you, and implement real strategies to lower your credit utilization, build new credit, and raise your score. We don’t just tell you what to do — we walk with you every step of the way, giving you clarity, accountability, and support. If you’re serious about improving your credit and finally getting approved for what you deserve, credit coaching gives you the roadmap to make it happen — without the stress or confusion of doing it alone.

Benefit 1 - Get a Step-by-Step Action Plan

Your credit coaching journey starts with a deep dive into your current credit profile. We don’t just look at your score — we examine the full picture, including your credit mix, utilization rates, payment history, and the age of your accounts. Every person’s credit report tells a different story, and our goal is to read between the lines and build a strategy that works specifically for you.

Once we review your reports, your coach creates a tailored action plan designed to help you boost your credit score in the most efficient and effective way possible. This plan outlines the exact steps you should take — whether it’s paying down specific accounts, removing outdated or unnecessary credit lines, or adding strategic new tradelines to strengthen your profile. Each recommendation is made with intention and backed by data.

We also factor in your personal financial goals. Whether you’re trying to buy a home, secure a business loan, or simply stop getting denied for credit cards, your action plan will be aligned with what you want to achieve. Your coach will walk you through each step, explaining why it matters and how it impacts your score so that you feel confident making smart credit decisions.

This isn’t just advice — it’s a roadmap. With a custom plan based on your unique credit report and lifestyle, we turn uncertainty into clarity, and we give you the tools to finally move forward with purpose.

Benefit 2 - Individual Game Plan

One of the most common mistakes people make when trying to fix their credit is not knowing which accounts to open, close, or leave alone. Every move you make with your credit has an impact — and without the right guidance, it’s easy to unintentionally lower your score instead of helping it.

As part of your credit coaching, we help you make smarter decisions about how to manage your credit accounts. This includes analyzing your open credit cards, loans, and retail accounts to see which ones are helping your score — and which ones might be doing more harm than good. For example, closing an old account could shorten your credit history and hurt your score, while opening too many new accounts could trigger multiple hard inquiries and increase your risk in the eyes of lenders.

We'll show you how to strategically manage your credit without causing unnecessary damage. Whether you’re considering a secured card to build credit, debating whether to pay off an old account in collections, or thinking of consolidating debt, your coach will walk you through the pros and cons based on your unique situation.

This personalized guidance prevents costly credit mistakes and puts you in control. You’ll not only protect your credit while improving it — you’ll also gain a better understanding of how lenders view your activity and how to position your credit profile for long-term success.

Benefit 3 - Individualized Credit Strategies

Your credit score isn’t just about paying your bills on time — it’s also about how you manage your available credit. A major factor that impacts your score is credit utilization, or how much of your available credit you’re using. High balances on credit cards can drag your score down, even if you’ve never missed a payment. That’s why one of the most powerful parts of our credit coaching is teaching you how to lower your utilization and build new credit the right way.

We’ll help you identify exactly which cards to pay down first, how much to pay, and how to balance your usage across multiple accounts to maximize score increases. You’ll also learn about the timing of your payments and how your credit reports update — two overlooked areas that can make a big difference quickly.

But we don’t stop at just managing what you already have. We also show you how to build positive credit history by opening the right types of accounts at the right time. Whether it’s a secured card, a credit-builder loan, or becoming an authorized user on a trusted account, we’ll explain what options are available and which ones make the most sense for your situation.

When combined, these strategies give you the best chance at rapid and sustainable credit growth. You’ll be able to raise your score responsibly — not with tricks or shortcuts, but with real, proven steps that set you up for long-term financial success.