Better Credit.
Better Future.
Inaccurate, outdated, or unverifiable items on your credit report can hold you back from the home, car, or business you're working toward. We help you challenge them — and build credit that lasts.
Free
Credit Consultation
1 on 1
Personalize Game Plan
Monthly
Progress Updates
Every point on your score is a door that opens
A complete approach to your credit — not just disputes, but a strategy for the profile lenders want to see.
Score Building Strategy
Removals are half the battle. We guide you on utilization, payment history, credit mix, and smart new accounts so your score climbs — and stays there.
Credit Education & Support
Monthly check-ins, plain-English answers, and lifetime habits. You'll understand your credit well enough to protect it long after you're done working with us.
Full Credit Analysis
We review all three bureau reports line by line and identify inaccurate, outdated, duplicate, or unverifiable items — then walk you through exactly what we found and what it's costing you.
Dispute & Challenge Process
We prepare and send tailored dispute letters to the bureaus and creditors on your behalf, challenging questionable items under your rights in the Fair Credit Reporting Act.
Meet the Founder
At Twenty 8 Financial Services, our mission is simple: help individuals and families regain control of their financial future through honest, strategic, and results-driven credit repair solutions.
Founded by a passionate financial advocate, Twenty 8 Financial Services was created to bridge the gap between where clients are today and the opportunities they deserve tomorrow. After witnessing how poor credit can impact housing, transportation, business funding, and overall quality of life, our founder committed to building a company focused on education, empowerment, and long-term financial growth.
With a client-first approach, our founder believes that credit repair is more than removing inaccurate items from a credit report—it is about restoring confidence, opening doors, and helping people create generational wealth. Through personalized credit strategies, transparent communication, and ongoing support, Twenty 8 Financial Services has helped clients take meaningful steps toward homeownership, business ownership, and financial freedom.
Today, Twenty 8 Financial Services continues to stand as a trusted partner for individuals seeking a fresh financial start, combining professionalism, integrity, and a genuine commitment to every client’s success.
Your credit is not your final chapter—it is the beginning of a new financial story.
Four steps to a stronger report
1
Free Consultation
Book a call. We listen to your goals — a mortgage, an auto loan, a business line — and pull the full picture of where you stand.
2
Credit Audit
We analyze your reports from all three bureaus and build a personalized action plan around what's holding your score down.
3
Dispute & Rebuild
We go to work challenging questionable items while coaching you on the moves that add positive history to your file.
4
Track & Graduate
You get regular progress updates until your credit is where it needs to be — and the knowledge to keep it there.
Your credit, handled like it matters — because it does
Twenty 8 Financial Services was built on a simple belief: everyone deserves a fair, accurate credit report and a real shot at their financial goals.
Personalized plans — no cookie-cutter dispute mills
Honest expectations set up front, in plain English
Transparent monthly updates on every dispute round
Education included, so results outlast the program
28
Days between dispute rounds — we use every one
Bureaus generally have about 30 days to investigate a dispute. We time every round, track every response, and keep the pressure on until your report reflects the truth.
Your future is waiting
on your next move