Every comeback starts with one move.
The right move, made at the right time.
And the biggest obstacle falls.
See what bad credit costsCredit repair and coaching since 2013
Your credit comeback starts with one move
We help people across the country find what is wrong on their credit reports, challenge it the right way, and build toward the home, the car or the business they are working for.
Know before you start
What credit repair can and cannot do
Here is what we can work on, and what no one can promise you.
You have the right to dispute inaccurate information in your credit report directly with the credit bureaus, for free. Results vary. We cannot remove accurate, timely information, and we do not guarantee any specific score or outcome.
We can
- Review all three credit reports with you, line by line
- Challenge items that are inaccurate, incomplete, outdated or unverifiable
- Fix mixed files, wrong balances and accounts that are not yours
- Build a plan for new positive history and better habits
Nobody can
- Remove accurate, timely negative information
- Guarantee a score or a timeline
- Give you a “new credit identity.” That is illegal.
Your goals
What is your credit holding up?
Buying a home
Mortgage lenders look hard at all three reports. Clean up errors before the pre-approval, not after.
Talk it throughA car or a lease
A few points can change the rate you are offered, and what you pay every month.
Talk it throughRenting
Landlords and property managers pull credit too. Know what they will see.
Talk it throughStarting a business
Strong personal credit opens the first doors for a new business.
Talk it throughThe real price tag
What bad credit could cost you over a lifetime
Rent that rises every year, a higher rate on every car, interest on every balance. Our calculator adds it up with your own numbers.
Run Your NumbersFor a typical renter, from national averages
$122,893
- 10 years of rent increases$28,106
- 10 car loans at a subprime rate$66,187
- A $6,500 card balance at 22% for 20 years$28,600
An estimate from national averages. Your numbers will differ.
What clients say
5.0 stars from 38 Google reviewsMy wife and I were all set to buy a new home. We thought all our ducks were in a row but found out otherwise. Shawn gave us fast, simple advice for our situation and we were able to purchase our forever home in just a few short months.
He is great to work with and very knowledgeable about everything. I would highly recommend working with him!
Thank you Shawn and your Team for such excellent help and guidance! You guys rock!
Individual experiences, not typical results. Outcomes depend on what is on your reports. Read more reviews
Your credit coach
Meet Shawn Moodie
Shawn started Moodie Bluez Consulting in 2013 after years in financial services. He has run credit workshops for college students, been a preferred vendor for a real estate team, and written a book on the subject, Credit Comeback.
The Times Union and the Albany Business Review have both turned to him for credit advice.
More about ShawnYour credit rights
Own a business? Our sister company CBM Business Solutions builds business credit and finds funding.
See it in action
Watch: strategic credit repair at Moodie Bluez
Straight answers
Is it worth paying someone to fix your credit?
It depends on your situation and your time. You can dispute inaccurate information yourself for free, and many people do. Others hire help because their reports are complicated, they are working toward a deadline like a home purchase, or they want someone to manage the process and the follow-up. In a free consultation Shawn tells you plainly whether you need him.
Can you really get a 700 credit score in 30 days?
No one can promise that. Bureaus generally have about 30 days to investigate a dispute, and a score only moves if what changes on your report actually affects it. Some people see changes within a couple of months. Others need longer, especially when the fix is building new positive history. Be wary of anyone who guarantees a number.
Can you remove accurate negative items?
No one can legally remove accurate, timely information from your credit report. Credit repair works on items that are inaccurate, incomplete, outdated or that cannot be verified, and on building positive history going forward.
Does a consultation hurt my credit?
No. Reviewing your reports with us does not affect your score. Checking your own credit is a soft inquiry.
Do I need to live near you?
No. We work with clients across the country, and your free consultation is scheduled at a time that works for you.
Make your next move
A free credit consultation. No judgment, no pressure, and a straight answer about what can be done.