Refresh is a personal-service credit repair, credit building, and funding expert. We remove what's holding your score down, build the profile lenders reward, and get you funded.
Figures reflect the past experience of Refresh Consulting clients. Individual results vary and are not guaranteed.
We dispute inaccurate, unverifiable, and outdated items across all three bureaus — collections, charge-offs, late payments, public records, and identity mix-ups. Dispute ALL negatives on initial credit report.
Removals only get you halfway. We structure the tradelines, utilization, and account age lenders actually reward so your score compounds after we leave.
Once the file is lender-ready, we place personal credit lines, 0% business cards, and SBA-adjacent capital — matched to your income and business structure.
We don't just delete lines from a report. We move you through a repeatable sequence that ends with capital in your hand.
Full 3-bureau pull with a line-by-line file review. We identify every inaccurate, unverifiable, and outdated item — plus the structural weaknesses hurting your score.
Rolling disputes to bureaus and direct interventions with furnishers. Most clients see meaningful movement inside the first 30 days.
We install tradelines, engineer utilization, and shape account age so the score gains compound and hold — not spike and drop.
With a lender-ready file, we place personal credit lines, 0% business capital, and larger unsecured funding matched to your profile.
"I came in at 548 with two collections and a repo I thought would never come off. Nine months later I'm at 772 and just closed on my first duplex."
"Refresh didn't sell me on gimmicks. They fixed the file, then walked me straight into $84K of business credit at 0% intro. It's the reason my agency exists."
"I'd been through two other credit repair companies and gotten nowhere. The difference here is they actually build the profile after they clean it up."
Testimonials and client report images reflect the individual experience of past clients. Results vary by file and are not guaranteed. No credit repair organization can remove accurate, current, and verifiable information from your credit report.
I started Refresh Consulting because I was tired of watching good people get turned away from funding they deserved over credit-report errors and old habits. Today, every client still works directly with me — from the first audit through the day we place your capital. No account managers, no call centers, just a real person who treats your credit like it's my own.
"I don't believe in promising miracles. I believe in clean files, honest timelines, and getting my clients funded."
Every client gets handled personally. Text them, email them, book them.
We work both sides of a dispute — the reason removals actually stick.
Transparent price. No per-item charges, no surprise renewals.
Same person that repairs the file guides the funding process.
Founded and ran in Oklahoma! Helped hundreds of clients all over the United States.
We optimize for score stability, not vanity spikes that unwind in 90 days.
Before your free consultation, every client pulls their 3-bureau report through MyFreeScoreNow ($29, paid directly to MyFreeScoreNow — it is not a fee for our services). We review the actual file with you — no guessing, no generic advice — and outline the funding you'd qualify for once it clears. You'll receive a written contract and your Consumer Credit File Rights statement before any work begins, and we don't collect payment until services are performed.
Enroll with MyFreeScoreNow so we can see all three bureaus the way the creditors do. Takes about 3 minutes.
Order my report →Once you've enrolled with MyFreeScoreNow, fill out the quick consultation form and Kameron will walk your file through with you line by line. No obligation, no sales pressure.
Book my consultation →Most clients see the first round of removals within 30–45 days. A full engagement — repair, build, and funding readiness — usually runs 2 to 4 months, though every file is different.
A flat fee, disclosed in writing before you sign anything. We don't bill per item removed, and under the Credit Repair Organizations Act we cannot and do not collect payment for any service until that service has been fully performed. Payment plans are available.
Yes. You may cancel your contract without penalty or obligation at any time before midnight of the third business day after you sign it, and you can stop working with us at any point after that.
No legitimate credit repair firm can, and we won't. Results vary by file and are never guaranteed. What we can show you is our documented past client experience and a written plan for your specific report.
No. Many clients come in only for repair or only for building. Funding is offered when the file is lender-ready — never as a required upsell.
Yes. Every consumer has the right under the FCRA to dispute inaccurate, unverifiable, or outdated items on their credit report, and we help you exercise that right correctly. We never dispute accurate, current, and verifiable information, and we never advise creating a new credit identity.