A&S ConsultingCredit services & plans
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We help identify information that may be inaccurate, incomplete, outdated, or unverifiable.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.
Pricing
Choose your plan
One initial deposit, then a low monthly membership. Simple and clear.
#4 · Entry Level
Bronze— Essential
Best for: getting started with basic credit help on a budget.
$250
Initial Deposit
+$15/month
Ongoing Membership
- Basic credit review
- Disputes Done For You
- Basic credit tips
- Program updates
- Standard support
#3 · Personalized
Silver— Personalized
Best for: more personal guidance and ongoing reviews — more value than Bronze.
$500
Initial Deposit
+$37/month
Ongoing Membership
- Full credit report review
- Personalized credit guidance
- Disputes Done For You
- Ongoing monthly credit reviews
- Utilization and payment-timing tips
- Monthly program updates
- Progress updates in your portal
- Priority email support over Bronze
#1 · Most Comprehensive
Gold— VIP
Best for: the most benefits and the highest level of support, plus big goals like a home or car.
$750
Initial Deposit
+$47/month
Ongoing Membership
- 3-Bureau Credit Analysis
- Personalized Credit Strategy based on your goals
- Disputes Done For You
- Ongoing Credit Reviews and guidance
- 1-on-1 Credit Coaching
- Major Purchase Preparation (home, car, business)
- VIP Priority Support and dedicated communication
- Fastest response times — top of our queue
- Credit-building plan (new accounts & limits)
- Debt and collections strategy
- Monthly score-progress review calls
- Detailed progress updates in your portal
#2 · Gold-Level for Both
Couples— Gold for Two
Best for: partners. Gold-level services for both, with separate credit profiles.
$1,000
Initial Deposit · covers both partners
+$47/month
$47/month total per couple
- Separate 3-bureau credit analysis for each partner
- Personalized strategy for each credit profile
- Disputes Done For You for both partners
- Ongoing reviews and guidance for both
- 1-on-1 coaching for both partners
- Major purchase prep for shared goals
- Priority support and dedicated communication
- Individual progress updates in the portal
- Coordinated guidance for housing and financing
- Joint goal-planning sessions
Couples: the $1,000 deposit covers both partners, and $47/month is one combined charge — not per person. Services help clients review and address information that may be inaccurate, incomplete, outdated, or unverifiable. Results vary. No specific outcome or score increase is guaranteed.