How long does credit repair take?

Credit bureaus have 30 days to respond to each round of disputes, so most clients see movement within the first 30 to 60 days. Building a profile lenders approve of — utilization, account mix, age of credit — typically takes three to six months. You'll get a realistic timeline for your situation after the free analysis.

How much does it cost?

Our plans and prices are published on the pricing page, and your free credit analysis comes first so you know exactly what you're paying for before you commit. Your specialist walks you through the plan and its terms before anything begins.

Is credit repair legal?

Yes. Under the Fair Credit Reporting Act you have the right to dispute information on your credit reports that is inaccurate, incomplete or unverifiable. We work entirely inside those consumer protections, and we never claim we can remove information that is accurate and verifiable.

Can you guarantee a specific score or approval?

No — and be cautious with anyone who says otherwise. No company can guarantee a specific score, a removal, or an approval decision. What we can do is correct what's inaccurate and strengthen how your profile presents to lenders.

What happens if a dispute doesn't go my way?

Not every item comes off on the first round, and a bureau verifying an item doesn't end the strategy. When that happens we look at what else is holding the profile back — account structure, utilization, mix — and adjust the plan. You'll know where things stand at every update.

Will working on my credit hurt my score?

Disputing information and building your profile don't lower your scores. The things that do — late payments, maxed-out cards, unnecessary hard inquiries — are exactly what we help you manage while your file is being cleaned up.

Do I have to come into an office?

No. We work with clients across all 58 California counties by phone, text and email. If you'd rather sit down in person, appointments are available at our Sacramento meeting office.

Licensed, Bonded & Registered

Build a Credit Profile That Lenders Approve — Not Just a Higher Score.

Our process focuses on accuracy, strategy, and credit-building methods lenders actually evaluate when making approval decisions.

See What's Blocking Your Approval View Pricing

5.0 from 40+ Google reviews

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Licensed, bonded & registered

10+ years in credit repair

Free credit analysis & plan

All 58 California counties

Level Up Consulting Group is a licensed, bonded and registered credit services organization serving California. Credit repair results vary and are not guaranteed — no company can guarantee the removal of accurate information or a specific score increase.

Brandon Luckey

4 days ago

Super transparent, walked me through step by step with the entire process. Answered every question I had, extremely efficient responded to every message. I highly recommend the services to all my friends and family

Kit Cano

20 days ago

I have been working with Tyler and his group since January. I am very pleased and they have help and still continuing to help me. I highly recommend them

Sonia Gonzalez

1 month ago

Great customer service! Tyler was wonderful and very knowledgeable helped me achieve my goal in less than a month. Definitely recommend Level Up Credit Repair.

Vna DoO

1 month ago

Very satisfied with your service. With your help I would be reaching my goals.. thank you Tyler.

Free Google Reviews Widget

5.0

Google Rating

40+

5-Star Reviews

CA Counties Served

100%

Strategy-Driven

How it works

A strategy-first approach to real approvals

STEP 1

Review What's Blocking You

We analyze your credit reports to identify inaccuracies, risky patterns, and lender red flags that may be preventing approvals.

STEP 2

Compliant Correction

Using proven consumer-protection methods, we challenge inaccurate, incomplete, or improperly reported information on your behalf.

STEP 3

Build a Lender-Ready Profile

We guide you through strategic steps to strengthen account structure, utilization, credit mix, and overall risk patterns.

Tyler, owner of Level Up Consulting Group, reviewing a client credit report

Who you'll work with

Owner-led, start to finish

Level Up is run by Tyler, who works directly with California clients — reviewing reports, building the strategy, and tracking progress as your profile changes.

Tyler — Owner, Level Up Consulting Group

More about our approach

Client results

What one round of work actually moves

A real monitoring snapshot from a client file — all three bureau scores before and after the work on the file.

Equifax

691

300850

As of Nov 25, 2025

Previous score 581

+110

Latest

+166

Total

Experian

542

300850

As of Nov 25, 2025

Previous score 531

+11

Latest

+166

Total

TransUnion

705

300850

As of Nov 25, 2025

Previous score 539

+166

Latest

+166

Total

The reports behind the numbers

Straight from the monitoring dashboard

Unedited re-import summaries pulled during client plans. Open any report to read the full detail — scores, gains and every disputed item.

One client's monitoring snapshots, published with identifying details removed. Results vary — your outcome depends on your reports, your file and your participation in the plan.

Client outcomes

What the work looks like when it lands

Sacramento County

Two collections and a mortgage denial — approved in month seven

Where they started: Denied for a mortgage with two collections reporting and utilization near 60%.
What we did: Dispute rounds on both collections while we brought card balances from 61% down to under 10%.
Outcome: Approved for an FHA loan in the seventh month.

Marcus T. — client name abbreviated for privacy.

Alameda County

Turned down twice for a car loan — financed at 5.9%

Where they started: Two auto loan denials with a duplicate collection dragging the file down.
What we did: Corrected the duplicate collection, added a secured card, and let the file age while utilization stayed low.
Outcome: Approved on a $28,000 auto loan at 5.9% APR.

Alicia R. — client name abbreviated for privacy.

Fresno County

A thin file with no credit — three card approvals in four months

Where they started: No revolving history at all, so every card application was declined.
What we did: Built two secured accounts, kept utilization under 10%, then staged the unsecured applications.
Outcome: Three unsecured card approvals within four months.

Devon M. — client name abbreviated for privacy.

Results vary. These are representative examples of client situations, not guarantees — your outcome depends on your reports, your file and your participation in the plan.

The cost of poor credit

Good credit pays you back — thousands at a time

Lenders price risk into every loan. A stronger credit profile unlocks lower interest rates, which means real money kept in your pocket — on mortgages, auto loans, and credit cards alike.

Lower APRs on every major loan type
Thousands saved in interest over the life of a loan
Better terms on cards, housing, and financing

Savings calculator

How much good credit saves you

$350,000 • 30-year fixed

Total interest saved with good credit

$165,708

Why Level Up

Good credit is one click away

Most credit repair companies focus on one thing — sending dispute letters and hoping negative items are removed. While correcting inaccurate information matters, fewer negatives don't automatically mean lenders will approve you.

Disputes alone don't guarantee approvals — we focus on the full profile lenders evaluate.
Account structure, utilization, age of credit, and mix all affect lending decisions.
Strategy, not luck, drives the outcomes you care about — approvals for loans, cards, and housing.
Ongoing education so your progress continues well beyond removals.

Learn more about our approach

Strategic Review

We look where lenders actually focus.

Compliant Disputes

Proven consumer-protection methods.

Profile Building

Strengthen the entire credit profile.

Ongoing Monitoring

Refine your plan as your profile changes.

Client reviews

A perfect 5.0 from 40+ Google reviews

Read all reviews

I could not thank tyler enough for his efforts to help me with a collection account that had been negatively affecting my credit history for a few years. With Tyler's help he was able to completely clear the large amount that was on that collections case. He was super responsive and provided me with quick service whenever I requested it. Thank you and please contact him with any credit issues, and I guarantee that he will provide you with the same type of outstanding services that he did for me.
Jesus Jimenez
Google review · 5 months ago

Service areas

Serving all 58 California counties

Virtual consultations available statewide. Find your county for a locally-tailored credit strategy.

Browse all service areas

Common questions

Credit repair, answered straight

Still have a question? Talk to a specialist

See what's blocking your approval — free.

Get a free credit analysis and a clear plan to build a profile lenders approve. No obligation.

Full credit analysis & dispute strategy

Dedicated credit specialist

Progress tracking & updates