Credit Repair & Funding Advisory
RESTORE YOUR CREDIT. COMMAND YOUR CAPITAL.
Aureus Capital provides strategic credit restoration and funding advisory for individuals and business owners — a structured, transparent process designed to strengthen your credit profile and expand your access to capital.
All Three Bureaus
Personal & Business Funding
Education-First Process
Credit • Capital • Clarity
what we do
Two disciplines. One objective: your
financial position.
Credit restoration and funding advisory work together. A stronger profile is what turns applications into
approvals — everything we do points at that outcome.
Credit Restoration
Detailed review of your reports across all three bureaus, with formal challenges to inaccurate, outdated, or unverifiable items.
Personal Funding Advisory
Profile preparation and strategic guidance so you can approach personal credit products from a position of strength.
Business Capital Advisory
Structuring support for owners pursuing business lines of credit and capital — built on a credible financial foundation.
Credit Education
Plain-language education on utilization, payment history, and profile building, so progress lasts beyond the dispute process.
What We Challenge
Negative items don't have to be permanent.
We formally challenge items that are inaccurate, outdated, or unverifiable — including the categories below. Outcomes depend on your file and creditor responses, and no specific result can be guaranteed.
Verified. Challenged. Resolved.
Late Payments
Collections
Charge-Offs
Repossessions
Bankruptcies
Inquiries
Medical Bills
Evictions
Student Loans
How It Works
A structured process, from first review
to funding readiness.
Consultation & Analysis
We start with a conversation about your goals, then pull and review your credit reports line by line to identify items worth challenging.
Strategy & Disputes
A tailored dispute strategy is built around your file. Inaccurate, outdated, or unverifiable items are formally challenged with the bureaus and furnishers.
Monitor & Report
The bureaus generally have 30 days to respond to each dispute. We track every response and keep you updated as your file progresses.
Capital Readiness
As your profile strengthens, we shift focus to funding preparation — positioning you to pursue personal or business capital with confidence.
Credit Education
Understand the system. Then make it work
for you.
Repair is only half the equation. We make sure every client understands the fundamentals, so progress
holds long after the disputes are done.
Insight 01
Utilization Matters
How much of your available credit you use carries real weight. Keeping balances low relative to limits is one of the fastest levers on a profile.
Insight 02
Payment History Is King
On-time payments are the single largest factor in most scoring models. Consistency over time builds the record lenders want to see.
Insight 03
Age & Mix Count Too
Older accounts and a healthy mix of credit types add depth to a profile. Think twice before closing your oldest card.
FAQ
Straight answers, no fine print.
Repair is only half the equation. We make sure every client understands the fundamentals, so progress
holds long after the disputes are done.
How long does credit repair take?
Every file is different. Once a dispute is submitted, the credit bureaus generally have 30 days to investigate and respond. Many clients see their first updates within 45 to 90 days, but timelines depend on the items involved and how furnishers respond.
Can you guarantee my score will increase?
No — and you should be cautious of anyone who does. We challenge items that are inaccurate, outdated, or unverifiable. Outcomes depend on your individual file and how creditors and bureaus respond. What we can promise is a careful, compliant process and clear communication.
What kinds of items can be challenged?
Any item that is inaccurate, outdated, or cannot be verified can be challenged — including collections, charge-offs, late payments, repossessions, bankruptcies, inquiries, medical bills, evictions, and student loan reporting errors.
Do you work with all three credit bureaus?
Yes. We review and dispute with Equifax, Experian, and TransUnion, since items often appear differently — or only — on certain reports.
What do you need from me to get started?
Start with the client intake form. It collects your basic information, credit monitoring access, and the documents needed to verify your identity and begin working your file.
How does the funding qualification survey work?
The survey on our Funding page asks about your credit score range, utilization, and payment history. It gives you an informal initial indication of where you stand — it is not an approval or a guarantee, but it helps point you toward the right next step.
Ready to see where you stand?
Take the two-minute funding qualification survey, or start your client intake and begin the
credit restoration process.
Credit restoration and funding advisory built on compliance, education, and straightforward guidance — so clients can make confident financial decisions.
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Availability
Monday – Saturday
10:00 AM – 8:00 PM
Aureus Capital provides credit repair consulting and funding advisory services. We do not guarantee specific credit score increases, item deletions, or funding approvals. Results vary based on individual credit history, creditor responses, and qualification criteria.
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