Free Credit Repair Consultation, Newport Beach, CA

A credit repair consultation by Spearhead Credit Solutions in Newport Beach, California, can help you get back on track with your credit report and score. If you are tired of having bad credit and only having access to high-interest rates, we encourage you to schedule a consultation today.
Here is what to expect.

What is a Credit Repair Consultation?

A credit consultation is nothing more than a meeting between you and your credit repair specialist. During this time, the professional will assess your credit and listen to your concerns. You may find yourself answering a few questions, the purpose of which is to gain a better understanding of how your credit can be fixed and what steps need to be taken. 

The credit specialist will then formulate a personalized repair plan that can fix your credit and raise your credit score

What is the Credit Specialist Looking For?

In order to properly assess your credit history and overall score, the credit repair professional you are working with will pull your credit reports from the three major bureaus: Experian, Equifax, and Transunion. 

The reason your report is pulled from all three bureaus and not just one is because some creditors only send their information to one credit reporting agency at a time. Only by collecting all three reports can your credit be properly checked across the board.

During the assessment, your credit will be checked for:

FICO Score: Your Fair Isaac Corporation (FICO) score (the newest version being the FICO 9 credit score) is calculated using a powerful algorithm that takes various credit elements into account. The newest version of the score has made some changes over the previous versions. For example, paid collection accounts no longer have a negative impact on your overall score. Medical collections also have less of an impact. 

A change that does affect your score with the new version is rental history if it’s reported by your landlord. The idea is that renters can build a positive credit history by paying rent on time, even if they don’t currently have any other forms of credit. 

The score you receive can be affected by your payment history, amounts owed, length of credit history, new credit accounts, and how well-mixed your credit accounts happen to be. Age, gender, salary, and location are never a factor in your FICO score. 

Payment History: Paying your accounts on time is critical for good credit, as payment history comprises 35% of your overall credit score! This includes loans, credit cards, and mortgages, just to give a few examples. 

Total Debt: 30% of your FICO score is related to how much debt you owe. The credit consultation will focus on revolving debt, which includes credit card accounts. Installment loans and mortgage loans, as well as student loans, don’t weigh as heavily on your credit score

Length of Credit History: How long you’ve had credit comprises 15% of your credit score. This includes how long your accounts have been open, including credit cards and loans.

New Credit: When you apply for credit, the creditor will make an Inquiry to your credit history. The credit consultation expert will look at how often you have applied for credit, as this category can affect your score by 10%.

A mix of Credit Accounts: Finally, the credit repair specialist will look at how mixed your credit is, which can make up another 10% of your credit score. Revolving credit cards and retail cards will generally hurt your credit score more than installment loans. This is because installment loans usually have an asset tied to them, like a car or house. 

Negative Credit Items

After assessing your credit score, the credit consultation will focus on the negative items on your credit report. The focus will then go into how to mitigate those items to bolster your credit and raise your overall score. 

Charge Offs

Creditors report charge offs to the credit bureaus when they deem your account uncollectable. Rather than carry the debt on their books, the company eliminates it from their record of past-due accounts. Charge offs can remain on your credit for up to seven years plus 180 days from the date of the original delinquency.



During your credit repair consultation, the professional you are working with will assess the number of collection accounts on your credit reports. This is a tricky category because paying off your collection accounts can actually harm your credit score by resetting the initial date from when the account was reported. The expect you are working with can help you navigate these areas with a personalized credit repair plan.

Late Payments

The credit consultation will determine how late you are when paying on your various accounts. Any payment is that is more than 30-days late can appear on your credit report. Delinquent accounts can be reported for up to seven years following the date of the last scheduled payment. 


Bankruptcies can only be reported for ten years from the date you filed. Even if your case was dismissed, the reporting would continue up to ten years from the dismissal date. Your credit repair specialist can still help you fix your credit with bankruptcies listed on your credit report. 


The credit consultation will continue by assessing if you have foreclosures listed in your credit history, which can only be reported for up to seven years. 


Lawsuit judgments come next when assessing your report during the credit repair consultation. These judgments can be reported for up to seven years from the date the lawsuit was originally filed (or until the statute of limitations runs out). 


Repossessed automobiles and other property can be reported for up to seven years. Your credit repair expert can help you negotiate with creditors or mitigate your debt completely. 

Tax Liens 

Unpaid tax liens can be reported on your credit reports indefinitely, unfortunately. Paid liens can be reported from the last day of payment for up to seven years. 


During your free credit repair consultation, your credit expert will determine if you have been a victim of identity theft. Any accounts you don’t recognize can be dealt with one-by-one by working with a trained professional. 

Your Personalized Credit Repair Plan

Each of these accounts will be assessed during your credit repair consultation so that a personalized plan can be formulated. The plan of action your professional wishes to take will depend on many factors. Therefore, a true assessment by a trained credit repair expert is recommended.

Depending on the details listed in your report, your credit repair professional will perform the following actions on your behalf: 

Disputes: Your credit repair specialist can file disputes with creditors for any accounts that are erroneously reported. The amounts owed may be incorrect, or you may have accounts you don’t recognize altogether. 

Requests: Your credit can also be repaired by requesting that negative items be removed completely, especially those that are put into place because of fraud. Accounts that are past the statute of limitations can sometimes be removed when creditors are contacted by an experienced credit repair expert. 

Credit Help: Finally, the credit consultation will involve a plan to help you pay back your creditors or otherwise repair your debt with one or more tried and true strategies. 

How Do You Know You Need a Credit Consultation?

If you have negative items on your credit report, or you keep getting denied for credit cards, loans, and other credit-based accounts, you could benefit from a credit repair consultation. The initial meeting is free, so you have nothing to lose. What you have to gain, however, is the chance to fix your credit, boost your score, and change your life in myriad ways. 

The great news is that scheduling your first appointment with a credit help expert is easy. 

Schedule Your Credit Consultation 

For a credit repair consultation by experts in Newport Beach, California, we encourage you to call Spearhead Credit Solutions. We have worked with clients all over the country and we are bonded, insured, and registered with the Department of Justice. 

While a credit consultation is not designed to help you get out of debt, per se, it can help you figure out how to repair your credit reports and overall credit scores in rapid fashion. It likely won’t happen overnight, but with dedication and a plan of action from a qualified professional, you can be well on your way to better credit and more money saved. 

Imagine getting credit card offers with low-interest rates and getting approved for those offers because you have excellent credit and a phenomenal score? That can happen and more if you take the right steps.

Call Spearhead Credit Solutions and let’s discuss how we can help you during our initial credit consultation. (949)220-2515

Get your free consultation and credit analysis

CALL US NOW: 949-220-2515