Here's exactly how we fix your credit
No guesswork. No generic templates. A documented process that makes the bureaus prove every item — or remove it.
We pull all three reports and build your case
Equifax, Experian and TransUnion, line by line — every collection, late payment, charge-off and inquiry. We flag everything inaccurate, unverifiable, outdated or duplicated.
We write disputes that cite the law
Not form letters. Each dispute names the item, the specific inaccuracy, and the federal provision behind it. The bureaus must investigate — and anything they can't verify has to come off or be corrected.
We track every response and escalate
If an item comes back "verified," we go again with a different angle, request the method of verification, and escalate when the law allows. We don't stop until it's removed or proven accurate.
Then we build the business side
Your entity, your business credit file, your bank profile, and a lender strategy — so the cleaner report actually turns into capital.
Why most people fail at credit repair on their own
The bureaus are built to deny template disputes. Automated systems close generic letters in seconds. If yours looks like a thousand others, it gets treated like one.
Timing matters more than people realize. Dispute the wrong item the wrong way and you can refresh activity on an account that was about to age off.
Nobody in the system is paid to help you. Bureaus sell your data. Creditors earn more when your rates are higher. We're the only party in the room on your side.
A cleaner profile
Accurate reporting and fewer derogatories, so your file reflects reality — not years-old mistakes.
A documented strategy
Every dispute is specific, cited and tracked — a paper trail that holds up.
Stop the bleeding
Higher deposits, worse rates, pricier insurance. Bad credit is a monthly tax. We work to end it.
Bad credit is costing you — every single month
It isn't just a number on a screen. It's a surcharge on everything you buy, finance or rent.
What bad credit typically costs
Illustrative estimates — your actual costs depend on your rates, amounts and terms. And there are no upfront fees to start fixing it.
STEP TWO
Clean credit is the start. Capital is the point.
Most credit companies stop at the score. We keep going until you're ready to get funded.
Your business credit file
Entity, EIN, address, phone and industry code aligned everywhere — then vendor and revolving accounts that actually report, built in the right order.
The right lender, the right order
Banks, credit unions, CDFIs, SBA-backed lenders or fintech — matched to your file, sequenced so one application doesn't sink the next.
A plan for the money
A written business plan and use-of-funds, so you walk in with more than a score — you walk in with a reason to say yes.
The 45-Day Removal Guarantee
If we don't remove at least one negative item from your credit report within 45 days, you get a full refund of what you've paid.
It covers what you pay for Credit Repair, Funding Readiness or Couples Readiness.
Eligibility: the 45 days start when your service begins. Keep your credit monitoring active and send any documents we request during that time. Request your refund by day 60. Couples plans qualify if no negative item is removed from either partner's report. The Founder Build is not covered because it includes state filings and third-party costs. Full terms are in your written agreement.
START HERE
Three steps to get started
Activate your credit monitoring
Through our partner MyFreeScoreNow — 7-day free trial, then $39.99/month.
Book your free consultation
30 minutes with our team to review your file and your goals.
Choose your plan
Credit repair, Funding Readiness, or the full Founder Build.
Activate MyFreeScoreNow — 7-day free trial
Please note: This step is mandatory. Without access to your credit report, we will not be able to provide a full credit analysis, discuss funding opportunities, or properly evaluate your file during the consultation.
MyFreeScoreNow is a third-party service. After the 7-day trial, the subscription is $39.99/month, billed by MyFreeScoreNow; you can cancel anytime with them. Fund the Vision may receive a referral fee.
Choose your plan
No upfront fees on any plan. Every plan below carries the 45-day removal guarantee.
CREDIT REPAIR
Starting at $449
3 monthly payments of $150 · no upfront fees
- Full review of all three credit reports
- Law-cited disputes of inaccurate items
- Collections, charge-offs, late payments and more
- Tracking and escalation every round
45-day removal guarantee
FUNDING READINESS
$649
3 monthly payments of $217 · no upfront fees
- Credit repair included
- Entity, EIN and bank profile audit
- Business credit file built in sequence
- Written business plan and use of funds
- Lender matching and application strategy
45-day removal guarantee
COUPLES READINESS
$849
3 monthly payments of $283 · both partners
$1,298 value — both partners for $849- Funding Readiness for both partners
- Credit repair for both included
- Joint strategy — whose file leads where
- One shared business plan and planning session
45-day removal guarantee
Credit monitoring in your own name ($39.99/month, billed by the provider) is required for every plan. When funding is secured, a success fee applies as set out in your written agreement. Timelines vary, and outcomes depend on reporting accuracy, bureau responses and lender decisions.
DONE FOR YOU
The Founder Build
From idea to a fundable business. We build the whole thing with you — the company, the plan, the presence and the credit — so you walk into a lender as a real business.
THE FOUNDER BUILD
$4,494
or 3 payments of $1,498
The business side of Funding Readiness — plus we form, set up and launch your business.
Get The Founder Build →Questions first? Book a free consultationState filing fees, annual state business taxes and fees, and third-party costs (domain, phone service, address service) are billed at cost. Every deliverable and the delivery timeline are listed in your written agreement. We don't provide legal or tax advice. Not covered by the 45-day removal guarantee.
Strategy
- Business model selection session
- Written business plan and use of funds
- 90-day launch plan
Formation
- LLC formation filing
- EIN
- Registered agent — first year
- Licenses and permits checklist for your city and industry
Presence
- Business address setup
- Business phone line + AI receptionist
- Domain, professional email and 5-page website
- Logo and brand kit
- Google Business Profile and directory listings
Money & Credit
- Business bank account setup
- Bookkeeping setup
- Business credit file build
- Lender strategy — Funding Readiness
- Credit repair — available separately
Support
- Monthly 1-on-1 calls for 90 days
- Priority access to Minister Kali
- Launch-day review of everything we built
"I know exactly what it feels like to pay for hope. So we built this so you never have to."
— MINISTER KALI, FOUNDER
I paid a credit company for results that never showed up. That's why Fund the Vision charges no upfront fees, puts every service in writing, and backs it all with a 45-day removal guarantee.
Credit is the first door. Capital, a plan, and the discipline to use it well — that's the vision.
Frequently asked questions
Everything you need to know before you get started.
How does credit repair actually work?
You have a federal right to accurate credit reporting. We review all three reports, dispute items that are inaccurate, unverifiable, outdated or duplicated, and require the bureaus and creditors to investigate. What can't be verified must be corrected or removed. Accurate information can legally stay on your report.
How does billing work?
There are no upfront fees. Plans are paid in three monthly payments, and your first payment isn't due until your first month of work is complete. You'll also need a credit monitoring subscription in your own name — $39.99/month, paid directly to the monitoring company — so we can see your reports and track changes.
What's the 45-day money-back guarantee?
It's a removal guarantee. If we don't remove at least one negative item from your credit report within 45 days of starting, you can request a full refund of what you've paid. To be eligible, keep your credit monitoring active for those 45 days, send any documents we request, and make your refund request by day 60. For Couples Readiness, you're eligible if no negative item is removed from either partner's report. It covers Credit Repair, Funding Readiness and Couples Readiness. The Founder Build isn't covered because it includes state filings and third-party costs.
What's the difference between the plans?
Credit Repair cleans up your personal reports. Funding Readiness includes that repair plus the business side — your entity and bank profile, your business credit file, a written business plan and a lender strategy. Couples Readiness does all of it for both partners. Every deliverable and timeline is in your written agreement.
What's included in The Founder Build?
Everything to take you from idea to a fundable business: a business model session, a written business plan and use of funds, LLC formation filing, EIN, a year of registered agent service, business address and phone setup with an AI receptionist, a domain, email and five-page website, a logo and brand kit, directory listings, bank and bookkeeping setup, your business credit build and lender strategy, and monthly one-on-one calls for 90 days. Credit repair is available separately. State fees and third-party costs are billed at cost.
How does the Couples plan work?
Both partners get the full Funding Readiness build — credit repair included — plus a joint strategy for which file leads which application, one shared business plan, and a planning session together. $849 instead of $1,298.
How long does it take to see results?
Bureaus have a federally defined window to investigate each dispute, and most files go through more than one round. Every file is different — we'll give you a realistic range after reviewing yours, not before.
Is this legal?
Yes. Disputing inaccurate information is your right under the Fair Credit Reporting Act. We operate under a written contract with a three-day right to cancel, and there are no upfront fees.
Can I do this myself?
Yes — you can dispute your own reports for free. We're here for people who want it done right, with the funding strategy attached.
What do I need to get started?
Just a conversation. Nothing sensitive is shared until you have a written agreement in front of you and have had time to read it.
Stop overpaying. Start building.
No upfront fees, a 45-day removal guarantee, and the first conversation costs nothing.
Or text VISION to (626) 554-3117