Restore Credit. Build Wealth. Create Legacy.

Credit Repair & Financial Restoration Services

At LTS Financial & Credit Repair Services, we help you overcome credit challenges—from late payments to bankruptcies. We dispute inaccuracies on your credit reports to get you approved for homes, cars, and business funding.

View Our Packages

★★★★★

4.9/5 Rating from over 500+ clients restored!

Personalized Strategies

Tailored to your unique credit profile

Consumer Protection

We use the law to fight inaccurate reporting

Experienced Experts

Years of experience & proven results

Ongoing Support

We're with you every step of the way

Results Driven

Focused on real positive outcomes

Who We Are

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 nation’s 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.

Our Origin

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.

Comprehensive Solutions

Beyond Credit Restoration

Preparing you for major financial milestones—buying a home, purchasing a vehicle, starting a business, or securing capital.

✦

Credit Sweeps

✦

Authorized User Tradelines

✦

Business Funding Preparation

✦

Auto Approval Preparation

✦

Home Approval Preparation

✦

Student Loan Assistance

✦

Identity Theft Assistance

✦

ChexSystems & EWS Reviews

✦

Regulatory Complaints (CFPB, BBB, OCC, NCUA)

TAILORED SOLUTIONS

Restore Your Credit. Build Your Wealth.

Choose the Financial Restoration Plan That’s Right For You

LEVEL 01

Credit Fresh Start

Perfect for first-time credit repair clients

$199 /mo

+$199 One-Time Setup

Full 3-bureau credit analysis
Personal Information
Hard Inquiries
Late Payments
Credit Education
Monthly Updates
Email Support

GET STARTED

LEVEL 02

Credit Rebuild Pro

For collections, charge-offs, & late payments

$299 /mo

+$299 One-Time Setup

Everything in Fresh Start
Collections
Medical Collections
Charge-Offs
Credit Card Accounts
Collection Agency Disputes
Creditor Disputes
CFPB Assistance
Customized Dispute Letters

GET STARTED

LEVEL 03

Elite Credit Restoration

Designed for complex credit files

$399 /mo

+$399 One-Time Setup

Identity Theft
Fraud Assistance
ChexSystems
Early Warning Services
Priority Processing
Monthly Strategy Consultation

GET STARTED

VIP Wealth Restoration

Done-for-you premium service

$800 /mo

+$800 One-Time Setup

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

GET STARTED

Business Funding Readiness

Build a bank-ready profile before applying for capital.

Credit evaluation

Funding readiness assessment

EIN / business profile review

Business credit recommendations

Complete funding roadmap

$499 ONE-TIME

GET STARTED

Business Funding Concierge

End-to-end execution from application through lender approval.

Funding application preparation

Direct lender matching

Application submission assistance

Active follow-up with underwriters

Full support through capital disbursement

Credit Refresh Package

Rebuild Credit Services

Designed specifically for clients with minor credit report inaccuracies, our comprehensive package gives you the tools and expert guidance needed to clean up your credit profile efficiently.

Level 01

Credit Refresh

Perfect for clients with minor credit issues.

$249

Credit report analysis
Unlimited bureau disputes
Personal information corrections (names, addresses, employers)
Inquiry disputes
Late payment disputes
Monthly progress updates

Get Started

💳 🔒

Level 02

Credit Rebuild

Designed for clients with multiple negative accounts.

$499

Everything in Credit Refresh, PLUS:
Collections & Charge-offs
Medical collections & Repossessions
Late payments & Credit card disputes
Student loan disputes
Identity verification issues
Unlimited dispute letters
CFPB complaint assistance

Get Started

💳 🔒

Exclusive Credit Services

Comprehensive credit restoration, tradelines, and homeownership preparation tailored for total funding readiness.

EXCLUSIVE PLANS INDIVIDUAL SERVICES

Bronze Package

Starting at $100

Ideal for clients needing to establish or strengthen credit history.

One authorized user tradeline
Credit profile evaluation
Tradeline matching
Reporting timeline guidance
Funding readiness review

GET STARTED

VISA AMEX DISCOVER

Silver Package

Starting at $199

Designed for accelerating credit scores and building leverage.

Two premium authorized user tradelines
Higher credit limits available
Older account age options
Credit utilization strategy
Monthly progress review

GET STARTED

VISA AMEX DISCOVER

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.

PACKAGES

Individual Credit Services

Need help with one specific issue? Choose from our tailored individual repair and review solutions.

Credit Report Audit

$99

GET STARTED

VISA AMEX DISCOVER

Hard Inquiry Review

$99

GET STARTED

VISA AMEX DISCOVER

Personal Info Cleanup

Comprehensive legal & reporting dispute workflow

STARTING AT $399

GET STARTED

VISA AMEX DISCOVER

OCC Complaint Assistance

Comprehensive legal & reporting dispute workflow

STARTING AT $199

GET STARTED

VISA AMEX DISCOVER

NCUA Complaint Assistance

Comprehensive legal & reporting dispute workflow

STARTING AT $199

GET STARTED

VISA AMEX DISCOVER

A La Carte Services

Select specific add-ons to customize your credit repair plan.

EXCLUSIVE OFFERINGS

Specialty Credit Programs

Tailored, high-level credit programs designed to address unique family milestones and complex legal reporting challenges.

❤️ COUPLES TIER

PROGRAM 01

Spouse & Family Wealth Package

Build your financial future together. Perfect for couples preparing for homeownership, vehicle financing, and joint credit applications.

$1,500

Total ($750 Per Person)

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

GET STARTED

VISA AMEX DISCOVER

⚖️

PROGRAM 02

Child Support Credit Review Package

Designed for clients seeking a professional, highly specialized review of child support-related credit reporting.

$1,800

Flat Rate Program

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

GET STARTED

VISA AMEX DISCOVER

COMPLETE SOLUTIONS

Tradeline & Funding Services

Boost your credit scores, establish funding readiness, and leverage white-glove credit restoration.

👑 PLATINUM WEALTH RESTORATION

The Complete White-Glove VIP Service

Our most comprehensive all-in-one credit restoration & business funding plan.

FIXED FEE

$1,999

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

GET STARTED

VISA AMEX DISCOVER

Authorized User Tradeline Packages

Bronze Package

Starting at $699

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

GET STARTED

VISA AMEX DISCOVER

Silver Package

Starting at $1,299

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

GET STARTED

VISA AMEX DISCOVER

Business Funding Programs

Business Funding Readiness

ONE-TIME $499

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

GET STARTED

VISA AMEX DISCOVER

Business Funding Concierge

SUCCESS FEE 10%

Hands-on application and submission support. Collected only after you receive funding.

Funding application preparation
Direct lender matching network
Document & financial review
Full submission assistance
Ongoing support through funding approval

GET STARTED

VISA AMEX DISCOVER

Available Tradeline Categories

We source tradelines tailored directly to your lending goals:

$5,000 Credit Limit $10,000 Credit Limit $15,000 Credit Limit $20,000 Credit Limit $25,000+ Credit Limit Low Utilization Tradelines 5+ Year Aged Accounts 10+ Year Aged Accounts 15+ Year Aged Accounts Premium High-Limit Tradelines Business Funding Tradelines

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

Laquetta Ferrell

Oversees daily operations and client workflows, ensuring every credit restoration journey is executed with precision, transparency, and high-level support.

General Manager

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

Mauriss Santiago

She crafts compelling content, tracks analytics, and connects job seekers with employers across social platforms to drive growth.

Social Media Manager

UPCOMING LIVE EVENT & MASTERCLASS

Taxes and Credit Class

CLEAR ANSWERS

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.

Home

About Us

FAQ

Explore

Packages

Credit Repair

Partners

Elevate Your Financial Standing

Receive exclusive credit insights, funding strategies, and industry updates directly to your inbox.

Credit Repair & Financial Restoration Services

Credit Repair & Financial Restoration Services

Personalized Strategies

Consumer Protection

Experienced Experts

Ongoing Support

Results Driven

Our Mission

Our Vision

Built on Integrity, Purpose, & Results

Beyond Credit Restoration

Service Title

Restore Your Credit. Build Your Wealth.

Credit Fresh Start

Credit Rebuild Pro

Elite Credit Restoration

VIP Wealth Restoration

Business Funding Readiness