How It Works

1.  Schedule Your Free Consultation

During this time, we will pull your 3 bureau credit report and review the items with you to determine what needs to be challenged.  


2.  After the Consultation

Your credit report is your credit fingerprint.  Mustard Seed Financial Services realizes that no two are alike; therefore, there is no one-size-fits-all solution.  After your credit evaluation, we will work with you to develop a personalized strategy to restore or establish your good credit standing.

3.  The Challenge 

We will dispute your inaccurate or unverifiable negative items on your behalf with customized letters.  We know what works!  The three credit bureaus will conduct an investigation and respond within 30-45 days.  You should receive updated credit reports to forward to us during this time.

4.  The Results
Upon receipt of the Credit Bureau response to the investigation, we will determine the next course of action if necessary.  It is not uncommon to have multiple deletions occur during the first challenge; however, each file is different and may require further challenging.  We will work tirelessly on your behalf to restore your good credit rating.  

Secured Client Portal

During this entire process, you are able to login to your file 24/7 to view recent activity, messages from our staff, and to see what negative items have been legally and permanently removed from your report.

Cost Note

We require a 3-bureau report to start, and updated report monthly to update your progress, so you should allow for this additional expense. Upon signup we will provide links to our top choice. The cost of the monitoring service is $21.99 per month (which includes a new 3-bureau report and updated scoring each month).