PERSONAL & BUSINESS CREDIT RESTORATION & WEALTH STRATEGY
Personal Credit Building & Restoration
We remove inaccurate, outdated, and unverifiable items from your credit report across all three major bureaus, using FCRA-compliant strategies that create measurable results. Includes: Personal information cleanup Late payment disputes Collections, charge-offs, and repo strategies ChexSystems & LexisNexis assistance Inquiry removal Credit rebuilding blueprint
Credit Analysis & Repair
We remove inaccurate, outdated, and unverifiable items from your credit report across all three major bureaus, using FCRA-compliant strategies that create measurable results.
Includes:
- Personal information cleanup
- Late payment disputes
- Collections, charge-offs, and repo strategies
- ChexSystems & LexisNexis assistance
- Inquiry removal
- Credit rebuilding blueprint
Financial Planning & Money Mastery
Our signature financial coaching gives clients a framework to organize their money, eliminate debt, and start building generational wealth.
Includes:
- Budget plan & money flow system
- Debt reduction strategy
- Savings roadmap
- Accountability partner check-ins
Personal Credit Building for New Credit Builders
We guide new credit builders step-by-step with proven techniques that help you establish strong credit the right way and avoid the mistakes that hold most people back.
- The fastest ways to build positive credit history
- Which starter accounts to open (and which to avoid)
- Secured cards, credit-builder loans & AU strategies
- How to increase your score safely and consistently
- Credit monitoring setup guidance
BUSINESS CREDIT BUILDING
At Capital Essence, we don’t just help you get funding, we help you secure the bag the smart, strategic, and stress-free way. Whether you're building your empire, expanding your hustle, or gearing up for your next big leap, our Business Funding services give you the capital power you need to make those “someday” goals move to right now.
Business Foundation Compliance
We ensure your business meets lender, bank, and underwriting requirements so you can qualify for real approvals, not denials.
Includes:
- EIN, address, domain, phone setup
- Bank account structuring
- NAICS optimization
- Licensing compliance
- Business credibility checklist
Vendor & Trade Line Setup
We build your initial business credit profile and help you establish a strong PAYDEX score in as little as 30–90 days.
Includes:
- Access to top-tier starter vendors
- DUNS, Experian, and Equifax Business setup
- 30–60 day reporting roadmap
Revolving Business Credit Access
Once your foundation is complete, we help you secure:
- Store cards
- Fleet cards
- Gas cards
- Office supply accounts
- No-PG and PG corporate cards
© Capital Essence. All strategies are designed for educational and advisory purposes. Individual credit results may vary based on personal financial behavior and reporting agency timelines.