Ethria Credit is a private consumer credit advisory. We bring structured analysis, profile strategy, and financial education to clients preparing for homeownership, business funding, and major financial decisions — with the discipline of a boutique financial practice.
Methodology built around consumer protection law.
Of structured consumer credit consulting.
Deliverables designed to be reviewed by underwriters.
Every relationship is documented, dated, and clear.
Each engagement is shaped around the client's goal — homeownership, business funding, post-hardship rebuilding, or simply clarity. Below is the firm's published practice.
A written, lender-readable analysis of how your profile reads across the three nationwide consumer reporting agencies.
A documented, phased plan mapping how your credit profile should be structured given your goals and timeline.
End-to-end profile preparation aligned to mortgage qualification expectations. Built to sit beside a loan officer.
Pre-application review of documentation, profile structure, and the lender's likely view of your file.
Personal and business profile coordination — entity structure considerations, business credit foundations, funding preparation.
Item-level review of reporting accuracy with documented support for each responsible challenge.
Review of utilization, payment timing, and application cadence, with recommendations for sustainable, profile-friendly practice.
Education on the variables that drive scoring model outputs — and how your specific profile interacts with them.
Structured curriculum covering reporting, scoring, dispute mechanics, consumer rights, and decision-making.
Every engagement follows the same calm sequence. The client is informed, consulted, and engaged with structure from first conversation to closing summary.
A 30–45 minute advisor-led conversation reviewing your situation, goals, and timeline. No pricing pressure.
Item-level review of reports across all three bureaus for accuracy, structure, and reporting inconsistencies.
A documented, phased plan with milestones, timelines, and the rationale behind every recommendation.
Coordinated work across your profile and supporting documentation, on cadences you can predict.
A written summary, a documented record, and — when applicable — a clean handoff to your lender or advisor.
We do not promise score increases, deletions, or specific timelines. Results vary by client and are not guaranteed — every responsible firm states this clearly.
Every relationship is governed by a written engagement letter — services, fees, payment terms, and the consumer's right of cancellation, all in plain English.
Our work is structured around the Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and applicable state law. Compliance is operational, not cosmetic.
We do not file challenges the client has not reviewed and authorized in writing. Every action is documented and dated.
Your file is handled with the privacy expected of a fiduciary practice. Information is shared only with those you authorize.
A discreet, password-protected portal for your written reviews, milestone updates, educational resources, and scheduled appointments. No animated progress meters. No marketing. Designed to read like a private banking client surface.
If your question isn't here, the consultation is the right place. Every answer below is the same answer we give in writing.
We are a consumer credit consulting and education firm. We are not a credit-repair operator in the sense most consumers associate with that term, and we are not a law firm. Our engagements are advisory — analysis, strategy, and education — governed by written engagement letters.
We do not promise score increases of any kind. Results vary by client, profile, timeline, and behavior. We can describe how scoring models tend to respond to specific structural changes, and we work toward clearer profiles — never toward a number we cannot truthfully promise.
Engagements are billed in writing under a clear engagement letter. We do not charge for services that have not been performed where federal or state law restricts advance fees. You will know exactly what you are paying for, when, and why.
Yes — with your written authorization. We produce lender-readable deliverables and communicate directly with your loan officer, mortgage processor, or real estate professional when you ask us to.
Most consumer engagements run between three and nine months, depending on the profile and the goal. Homebuyer preparation engagements are scheduled around the client's purchase window. Every engagement carries a clear, written timeline from the outset.
No firm can responsibly promise that, and we do not. We analyze every item, document our findings, and structure compliant, responsible challenges where appropriate. The decision rests with the consumer reporting agency and the furnisher of information.
A confidential, advisor-led conversation — typically 30 to 45 minutes — to understand your situation, your goals, and whether an engagement with the firm is the right next step. There is no obligation, and no sales pressure.