A&S ConsultingHow It Works
Three simple steps to a clear plan.
Free Call
Start with a free call. We listen to your goals, answer your questions, and explain your service options.
Create Your Game Plan
We review your credit reports and find items that may be inaccurate, incomplete, or outdated. Then we create a personalized plan to help you improve your credit score, pursue personal or business funding, buy a car, or buy a home.
Guidance & Updates
We handle the disputes for eligible inaccuracies and teach you how credit works. You get progress updates and clear next steps in your client portal. Removals and score increases are not guaranteed.
Understand what shapes your credit.
We help you read your reports, question potentially inaccurate information, and develop responsible credit habits. Together, we explore options that fit your situation—not promises of a certain score.
Payment history
Paying on time matters. We explain payment records and help you build habits to stay on track.
Credit utilization
This is how much of your available credit you use. We help you understand balances and credit limits.
Length of credit history
The age of your oldest and newest accounts, and their average age, may affect your profile.
Credit mix
Credit cards and installment loans are different types of credit. You do not need to borrow just to add variety.
New inquiries
Applications can create hard inquiries. We explain how to plan applications thoughtfully.
Report accuracy
We help identify information that may be inaccurate, incomplete, outdated, or unverifiable. Scoring models and lender decisions vary.