Restore Credit. Build Wealth. Create Legacy.
Credit Repair & Financial Restoration Services
Credit Repair & Financial Restoration Services
At LTS Financial & Credit Repair Services, we help you overcome credit challengesβfrom late payments to bankruptcies. We dispute inaccuracies on your credit reports to get you approved for homes, cars, and business funding.
At LTS Financial & Credit Repair Services, we help you overcome credit challengesβfrom late payments to bankruptcies. We dispute inaccuracies on your credit reports to get you approved for homes, cars, and business funding.
4.9/5 Rating from over 500+ clients restored!
Restoring Credit. Building Legacies.
Empowering individuals, families, and business owners to break financial barriers, rebuild confidence, and secure long-term capital.
Our Mission
At LTS Financial Credit Repair, our mission is to empower individuals, families, and business owners by helping them restore their credit, improve their financial standing, and achieve long-term financial success. We are committed to providing honest, professional, and compliant credit restoration services while educating our clients throughout every step of their financial journey.
Our Vision
Our vision is to become one of the nationβs most trusted financial restoration companies by transforming lives through credit education, financial empowerment, and business funding solutions. We strive to help our clients build wealth, create opportunities, and leave lasting financial legacies for future generations.
Built on Integrity, Purpose, & Results
LTS Financial Credit Repair was founded with one primary objective: to provide clients with professional, ethical, and personalized credit restoration services. We understand that financial setbacks can happen to anyone, and we firmly believe they should never define your future.
Our company specializes in thoroughly reviewing credit reports, identifying inaccurate, incomplete, or unverifiable information, and guiding clients through the dispute process in strict compliance with consumer protection laws.
Beyond Credit Restoration
Preparing you for major financial milestonesβbuying a home, purchasing a vehicle, starting a business, or securing capital.
Restore Your Credit. Build Your Wealth.
Choose the Financial Restoration Plan Thatβs Right For You
Credit Fresh Start
- Full 3-bureau credit analysis
- Personal Information
- Hard Inquiries
- Late Payments
- Credit Education
- Monthly Updates
- Email Support
Credit Rebuild Pro
- Everything in Fresh Start
- Collections
- Medical Collections
- Charge-Offs
- Credit Card Accounts
- Collection Agency Disputes
- Creditor Disputes
- CFPB Assistance
- Customized Dispute Letters
Elite Credit Restoration
- Identity Theft
- Fraud Assistance
- ChexSystems
- Early Warning Services
- Priority Processing
- Monthly Strategy Consultation
VIP Wealth Restoration
Done-for-you premium service
- Bankruptcy Reviews
- Student Loan Reviews
- Repossessions
- Eviction Reporting
- Child Support Credit Reporting Review
- Tax Liens
- CFPB Complaints
- BBB Complaints
- OCC Complaints
- NCUA Complaints
- Department of Education Ombudsman
- Credit Sweeps
- Concierge Service
- One-on-One Coaching
- Priority Support
- Funding Readiness Review
- Home Buying Strategy
- Auto Approval Strategy
- Business Funding Strategy
Business Funding Readiness
Build a bank-ready profile before applying for capital.
Business Funding Concierge
End-to-end execution from application through lender approval.
Exclusive Credit Services
Comprehensive credit restoration, tradelines, and homeownership preparation tailored for total funding readiness.
Ideal for clients needing to establish or strengthen credit history.
- Credit profile evaluation
- Tradeline matching
- Reporting timeline guidance
- Funding readiness review
Designed for accelerating credit scores and building leverage.
- Higher credit limits available
- Older account age options
- Credit utilization strategy
- Monthly progress review
Maximum leverage for aggressive funding & business growth goals.
- High-limit account options
- Seasoned account selections
- Customized funding strategy
- Business funding consultation
Our highest-level elite tradeline and VIP management service.
- High-limit & low-utilization accounts
- Maximum account age recommendations
- Personalized credit optimization
- Funding readiness plan & VIP support
Specifically structured for clients preparing for mortgage pre-approval.
- Mortgage-ready profile audit
- DTI & utilization optimization
- Targeted derogatory item removal
- Lender compliance readiness
- Pre-approval roadmap guidance
Aggressive dispute strategy designed to purge inaccurate records.
- Fast-track dispute filing
- Comprehensive bureau sweep
- Direct challenge documentation
- Timeline: 30β45 Days
- Includes 12-Month Monitoring
Important Note Regarding the Credit Sweep Program
Results may vary based on individual credit profiles, with typical sweep timelines ranging between 30 to 45 days. To safeguard your profile, all Credit Sweep clients are required to enroll in our 12-Month Credit Repair Program so we can continually monitor and re-address any previously disputed items if they re-appear.
Identity Theft Assistance
Comprehensive legal & reporting dispute workflow
OCC Complaint Assistance
Comprehensive legal & reporting dispute workflow
NCUA Complaint Assistance
Comprehensive legal & reporting dispute workflow
A La Carte Services
Select specific add-ons to customize your credit repair plan.
Specialty Credit Programs
Tailored, high-level credit programs designed to address unique family milestones and complex legal reporting challenges.
Spouse & Family Wealth Package
Build your financial future together. Perfect for couples preparing for homeownership, vehicle financing, and joint credit applications.
Your credit profile is built within 30 days
3 equal payments of $500 per month
6 weekly payments of $250
- Complete 3-Bureau Credit Analysis
- Personalized Credit Restoration Strategy
- Unlimited Bureau Disputes
- Collections & Charge-Off Reviews
- Inquiry & Personal Information Cleanup
- Credit Monitoring Guidance & Monthly Reviews
- Home Buying Readiness Consultation
- Joint Financial Goal Planning
Child Support Credit Review Package
Designed for clients seeking a professional, highly specialized review of child support-related credit reporting.
Your case will be initiated within 30 days. We will begin reviewing your case, gathering information, contacting agencies, and determining disputes.
3 monthly payments of $600
6 bi-weekly payments of $300
- Complete Child Support Credit Reporting Review
- Comprehensive Credit Report Analysis
- Reporting Accuracy & Documentation Review
- Customized Dispute Strategy (where appropriate)
- Bureau Dispute Preparation
- Creditor & Furnisher Communication Guidance
- Targeted Credit Restoration Plan
- Financial Recovery & Privacy Goal Planning
Auto Approval Package
Designed for clients preparing to purchase or refinance a vehicle.
- Complete 3-Bureau Credit Analysis
- Auto Loan Eligibility Review
- Inquiry & Debt-to-Income Optimization
- Targeted Bureau Disputes
- Dealership Financing Preparation
Home Approval Package
Designed for clients preparing to rent or purchase a home.
- Comprehensive Mortgage Credit Analysis
- Rental & Housing History Review
- Public Records & Judgment Audit
- Targeted Bureau Disputes
- Homeownership & Lender Readiness Plan
Tradeline & Funding Services
Boost your credit scores, establish funding readiness, and leverage white-glove credit restoration.
The Complete White-Glove VIP Service
Our most comprehensive all-in-one credit restoration & business funding plan.
- Unlimited disputes
- All collections & charge-offs
- Medical collections
- Bankruptcies & repossessions
- Evictions & student loans
- Child support reporting review
- Personal info cleanup
- Hard inquiry disputes
- Identity theft assistance
- ChexSystems & EWS
- CFPB & BBB complaints
- OCC & NCUA complaints
- Student Loan Ombudsman assistance
- Funding readiness review
- Monthly coaching & priority processing
- Dedicated concierge support
Authorized User Tradeline Packages
Ideal for clients needing to establish or strengthen basic credit history.
- One authorized user tradeline
- Credit profile evaluation
- Tradeline matching
- Reporting timeline guidance
- Funding readiness review
Accelerates credit scores by leveraging double account history.
- Two premium AU tradelines
- Higher credit limits available
- Older account age options
- Credit utilization strategy
- Monthly progress review
Maximum leverage for aggressive funding & business growth goals.
- Three premium tradelines
- High-limit account options
- Seasoned account selections
- Customized funding strategy
- Business funding consultation
Highest-level elite tradeline strategy & VIP management.
- Up to four premium tradelines
- High-limit & low-utilization
- Maximum account age selection
- Personalized credit optimization
- Funding readiness plan & priority
Comprehensive analysis to ensure tradelines yield maximum score impact.
- Credit profile analysis
- Tradeline recommendation strategy
- Utilization optimization
- Credit mix review & funding readiness assessment
Applied directly toward your purchase if you choose to move forward.
- Full credit profile review
- Targeted recommendations for score boost
- Alignment for mortgage, auto, or business funding
- Direct strategy call with a credit specialist
Business Funding Programs
Prepare your corporate structure to meet bank and lender underwriting requirements.
- Funding consultation & strategy call
- Business credit review
- EIN verification & corporate compliance
- Business structure review
- Step-by-step funding roadmap
$125 is presented upfront, consistent with our approved pricing.
- Funding application preparation
- Direct lender matching network
- Document & financial review
- Full submission assistance
- Ongoing support through funding approval
- NON REFUNDABLE
Available Tradeline Categories
We source tradelines tailored directly to your lending goals:
Take Control of Your Credit & Unlock Business Capital
Whether you need a simple credit refresh, high-level regulatory dispute strategies, or direct business funding, choose the tier engineered for your financial goals.
No Hidden Fees: Transparent setup and simple monthly pricing.
Full-Spectrum Strategy: From bureau disputes to CFPB escalations and lender matching.
Driven by Results: Structured workflows designed for speed, accuracy, and maximum leverage.
Meet the Team of Professionals
At LTS Financial Credit Repair, our team is dedicated to helping clients restore their credit, strengthen their financial future, and achieve their personal and business goals. We believe every client deserves personalized attention, honest guidance, and a strategy tailored to their unique financial situation. Our professionals are committed to delivering exceptional customer service while educating clients throughout the credit restoration process.
Whether you're rebuilding your credit, preparing to purchase a home or vehicle, or positioning your business for funding, our experienced team is here to support you every step of the way.
Sarina Latrice Woodard
Drives the vision of LTS Financial, empowering clients to navigate complex credit landscapes, restore scores, and secure long-term capital and funding.
Founder & Chief Financial Officer
678-379-5301 ext 1002
Fax: 678-619-0105
Laquetta Ferrell
Oversees daily operations and client workflows, ensuring every credit restoration journey is executed with precision, transparency, and high-level support.
General Manager
Main Office: +1 (470) 567 - 1214 ext 1001
Marian Ella Marcos
Specializes in deep credit analysis and custom dispute strategies, helping clients eliminate inaccuracies and prepare profiles for major funding approvals.
Credit Repair Specialist
Main Office: +1 (404) 348 - 0662 ext 1014
Mauriss Santiago
She crafts compelling content, tracks analytics, and connects job seekers with employers across social platforms to drive growth.
Social Media Manager
Main Office: +1 (404) 254 - 6248 ext 1007
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Begin Your Journey to Financial Freedom
Complete the secure onboarding form below to begin your credit restoration process.
Frequently Asked Questions
Find answers to common questions about our credit repair programs, business funding, and process timeline.
Results vary depending on your credit profile, but initial updates often appear within 30 to 45 days. Complete restoration usually ranges between 3 to 6 months depending on file complexity.
Yes. All monthly subscriptions can be upgraded, downgraded, or canceled at any time with no long-term contracts or hidden cancellation fees.
Requirements vary by lender, but standard criteria include a personal credit score of 680+, an active EIN with an LLC/Corporation structure, and clean 3-bureau credit reports.
Add-ons are one-time services target-built for specific items on your credit report. They work independently without requiring a recurring monthly plan commitment.
Absolutely. We use bank-level 256-bit SSL encryption to protect all client documents, personal details, and payment information.
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