REAL CLIENT. REAL RESULTS

Consultations are completely optional. When you purchase a service, you’ll receive detailed onboarding instructions right away. All communication will be handled through email and your secure client portal. If you’d like extra clarity or a one-on-one conversation, you’re welcome to book a consultation call using the link below. While we don’t require phone calls to get results, our communication is thorough, timely, and effective — so you’ll always be in the loop.

Every credit profile is different, but many clients start seeing changes within the first 30–45 days. The key is consistency — stay the course and the results will follow!

At Waves & Wealth, we help wash away unfair or inaccurate negative items dragging down your credit. We challenge these issues with your creditors and all three major credit bureaus so you can sail toward a stronger financial future. We can help with: 🛟 Collections 🛟 Inquiries 🛟 Late Payments 🛟 Foreclosures 🛟 Charge Offs 🛟 Bankruptcy 🛟 Judgments 🛟 Student Loans 🛟 Repossessions 🛟 Liens

While we work on the removals, you can boost your score by adding positive accounts, keeping utilization low, and practicing healthy credit habits. Small steps add up to big results.

We use ScoreFusion because it gives you access to all three credit reports — Experian, Equifax, and TransUnion — in one convenient place. While there’s no monthly fee for our credit repair services, ScoreFusion does have a small monthly $29.99 subscription to keep your reports updated every 30 days. 👉 Please note: we cannot begin or continue disputes without active monitoring. Consistent access to your reports allows us to ensure accuracy, move faster, and keep you on track toward your credit goals

Items cannot come back as long as the item is current or paid at the time of removal or if the collection is older than three years. This holds true except in very rare circumstances.