We help clients identify, dispute, and remove inaccurate or outdated items from credit reports. Our service includes monitoring, consultation, and credit-building education.

📌 Credit Consulting Services

Credit Consulting Services  
Helping You Build and Strengthen Your Credit with Expert Guidance

At Versatile Family Solutions, we don’t “fix” credit — we empower you to improve it yourself. Our role is to provide personalized strategies, education, and step-by-step guidance so you can confidently manage your credit and reach your financial goals.

Whether you’re preparing for a major purchase, working toward better loan terms, or simply aiming for financial stability, we provide the tools and coaching to make it happen.

Our Services

1. Credit Health Assessment – $75 (one-time)
A complete review of your current credit profile:
✅Review of all three major credit reports
✅Explanation of your credit score factors
✅Identification of high-impact opportunities for improvement.
✅Action plan tailored to your situation Includes: A 30-minute consultation + written summary report

2. One-on-One Credit Coaching – $95 per session
Personalized sessions to guide you through your credit improvement journey:
✅Customized strategies to build and maintain good credit habits
✅Guidance on responsible debt management and credit utilization
✅Help understanding your credit rights and avoiding common pitfalls
✅Session length: 45 minutes (virtual or in person)

3. Credit Growth Plan – 3-Month Program – $250 total
For clients who want consistent support and accountability:
✅Initial Credit Health Assessment (included)
✅Two coaching sessions per month (6 total)
✅Ongoing email support for questions between sessions
✅Step-by-step progress tracking to keep you on target

4. Credit & Life Milestone Prep – $120 per session
Specialized consulting to get you “credit ready” for major life events:
✅Preparing for mortgage or auto loan approval
✅Positioning for a better interest rate before refinancing
✅Building credit from scratch (students, young adults, or newcomers to the U.S.)


Premium Credit Success Package – $425 (Best Value)
For clients who want full support, personalized strategies, and continuous guidance over several months to reach their credit goals.

What’s Included:
✅Initial Credit Health Assessment (Value: $75)
✅Six 1-on-1 Credit Coaching Sessions over 3 months (Value: $570)
✅Custom Credit Growth Roadmap – step-by-step action plan with milestone check-ins
✅Unlimited Email Support for quick questions & guidance between sessions
✅Exclusive Resource Library Access – templates, checklists, and educational guides
✅Final Progress Review Session to evaluate results and set next steps

Benefits of the Premium Package:
Saves you $220 compared to booking services individually Consistent accountability to stay on track.
Flexible scheduling for busy lifestyles.
Perfect for homebuyers, entrepreneurs, and anyone preparing for major financial milestones.



Credit Letter Assistance & Templates

We provide professionally written templates and guidance so you can confidently handle your own credit correspondence.


Credit Letter Assistance & Templates
We provide professionally written templates and guidance so you can confidently handle your own credit correspondence.

👉🏼General Dispute Letter Template & Guidance – $45 Customizable template + instructions for sending to credit bureaus regarding inaccurate items.
👉🏼Goodwill Adjustment Letter – $40 Template & guidance for requesting removal of late payments from creditors based on past positive history.
👉🏼Debt Validation Letter – $45 Template & instructions to request verification of debt from collectors (per your rights under the FDCPA).
👉🏼Pay for Delete Letter – $50 Template & guidance for negotiating with creditors to remove negative marks upon payment.
👉🏼Credit Inquiry Removal Letter – $40 Template & step-by-step instructions for disputing unauthorized hard inquiries.
👉🏼Credit Building Reference Letter – $35 Letter for establishing positive payment references with lenders or service providers.
👉🏼Full Letter Package (All 6 Templates) – $220 Complete set of templates + usage guide + 20-minute consultation call.

Important Notice: We are not a credit repair company and do not send letters on your behalf. Our role is to equip you with accurate, compliant templates and personalized guidance so you can take action yourself.


Why Choose Us?

No gimmicks, no false promises — just honest, actionable advice Education-focused approach so you stay in control of your credit Flexible scheduling and virtual appointments available Services tailored to your personal financial goals