We identify, dispute, and challenge inaccurate, incomplete, and unverifiable information across all three bureaus — using your legal consumer rights under the FCRA and FDCPA.
We offer credit repair, identity restoration & data breach recovery, and ChexSystems / EWS / rental services.
Watch a quick walkthrough of our onboarding process — what to expect, what you'll need, and how we get started.
500+
Lives Transformed
$2M+
Debt Removed
98%
Client Satisfaction
50
States Served Virtually
The Process
How Our Credit Process Works
STEP 01
Choose Your Plan
Select the package that fits your goals — individual, partnered, all-in, or a specialty program. Want guidance first? An optional consultation is available through our calendar.
STEP 02
Onboarding & Analysis
Complete onboarding and submit required documents. Our team performs a full tri-merge credit analysis and builds your personalized dispute strategy. Credit monitoring is required and included.
STEP 03
Disputes & Progress
We challenge inaccurate, incomplete, or unverifiable items across all three bureaus. Expect bureau correspondence within approximately 30–45 days after each dispute session, with regular status updates from our team.
Results vary per client. We dispute all inaccurate, unverifiable, and outdated items under the FCRA & FDCPA. Items addressed include foreclosures, collections, charge-offs, student loans, judgments, medical bills, late payments, hard inquiries, public records, bankruptcies, child support, and repossessions.
Packages & Pricing
Choose Your Program
Transparent pricing. No hidden fees. Every enrollment includes a 3-day cancellation window.
Consultations are optional — book anytime through our calendar, where all details are shown.
Aesthetically Solo
Individual credit service — one person, full support.
Aesthetic Credit and Financial Solutions pairs deep technical expertise in consumer credit law with education-first guidance. We operate in compliance with the Credit Repair Organizations Act and never rely on misleading promises — only process, law, and results.
CROA-Compliant & Transparent
Clear policies, real expectations, and a 3-day cancellation window on every enrollment.
Results Across the Board
Collections, charge-offs, late payments, inquiries, repossessions, bankruptcies, and more — disputed under the FCRA.
A Community, Not a Transaction
Weekly live education, private member groups, and direct access to our team throughout your journey.
Your Journey
From First Step to Funding-Ready
I
Choose Your Service
Start directly, or book an optional strategy session first.
II
Onboarding
Full credit analysis and document intake.
III
Disputes
All-three-bureau challenges under FCRA & FDCPA.
IV
Optimization
Score strategy, utilization, and account guidance.
V
Wealth Building
Home buying, business credit, and funding preparation.
Client Experiences
What Our Clients Say
"I went from a 512 to a 687 in just 4 months. Otieanna and her team are the real deal. I'm now pre-approved for my first home."
Jessica M.Score +175 Points
"They removed 9 negative items and my score jumped 140 points. I just qualified for business funding I never thought possible."
Keisha W.9 Items Removed
"My husband and I did the partner plan and it was the best financial decision we've ever made. We're on the path to homeownership."
No — consultations are optional for every service. If you'd like a strategy session before choosing a program, book through our calendar, where booking details and pricing are shown.
Do I need to pull my credit report first? +
Yes — we require that you pull your credit report before or during onboarding.
How long does credit repair typically take? +
Timelines vary by profile. Most clients begin seeing results within 30–90 days, with bureau correspondence typically arriving within 30–45 days after each dispute session.
Is credit monitoring required? +
Yes. Credit monitoring is required throughout the engagement.
What is the cancellation policy? +
All plans include a 3-day cancellation window from the date of enrollment exluding "All- In, Chex Systems/EWS and Identity theft and Data Breach packages.
What payment options exist for All-In? +
The Aesthetically All-In program ($809 one-time) accepts Afterpay and Klarna by request only.
Quick Access
Take Action
Client Portal
Track your disputes and access documents securely.