Monique | Real's Credit Lab
10 years in lending and 6 in credit repair. Fix your credit for home buying and business credit.
The price tag
Drag to your score. Same person, same income. A different price on everything you finance.
Credit repair and credit optimization are not the same thing. If you own a business or invest, Monique shows you the difference.
The route
Fixing the score is step one. What it opens up is the point.
Errors, late payments and collections challenged. The score comes up.
With the right setup, $50K to $100K in business funding is on the table.
Put that money to work instead of paying it out in interest.
You set the terms. Lenders compete for you.
What Real's Credit Lab does
One team for your report, your business and what comes after.
01
Inaccurate, outdated and unverifiable items disputed with all three bureaus. Late payments, collections, charge-offs, repos and more.
02
High-limit funding with the right structure behind it. Your credit, your bank statements and what lenders want to see, lined up before you apply.
03
Registration, EIN and compliance, done fast and done right, so your business can build credit of its own.
04
Lender-ready scores for a home, an investment property or a business, built by someone with 10 years in lending.
How it works
All three bureaus, read line by line. You see exactly what's holding your score back.
No templates. A plan built on your report, aimed at what moves your score most.
We handle the bureaus while you watch it move. Better rates and approvals follow.
Questions
No. Everything we do is based on your rights under the Fair Credit Reporting Act. Nothing we do can lower your score.
Yes, 100%. The law gives you the right to dispute anything on your report that's inaccurate, outdated, misleading or can't be verified. We help you use that right, faster and better than most people can alone.
Every report is different, so results vary. What you get is steady work, expert disputes and regular updates. Be careful with anyone who promises a fast, exact score jump.
Items that are inaccurate, outdated or can't be verified. That often includes late payments, collections, charge-offs, bankruptcies, repossessions, foreclosures and wrong personal information.
No. The report is a soft pull, read-only for you and us. It's not an application and it doesn't touch your score.
That's where it gets good. Lower utilization, the right accounts, and when you're ready, funding for your business.
Book a call
Book a free call with Monique. Find out what's holding your score back and what to do first.
Monique, Real's Credit Lab