Credit repair first, business funding second
Your credit file is usually more fixable than what you have been told. We read all three reports, clean up what should not be there, then position you for funding.
I started at a 600 with collections and late payments on my file. Two months later I had access to over $100,000.
A low score is rarely a verdict on how you handle money. The items doing the most damage are often the ones reported wrong, and a wrong item is a fixable item.
Credit gets priced into things you do not think of as credit: deposits, rates, limits, whether anybody asks you for a cosigner. Items that are genuinely yours sit there seven years, a bankruptcy ten.
Credit first, funding second. Each step sets up the next one.
A lender reads the file before they read you. We go through all three reports line by line, dispute what shouldn't be there, and report back every round.
An underwriter isn't reading your life, they're reading a file. Once yours is clean, we build it to read like the files they have already said yes to.
Joining the community is free. Premium is $63 a month for the full classroom: how to read your own reports and challenge what is wrong yourself. Done-for-you credit repair is free for Premium members: sign up inside the community whenever you are ready, and we dispute what is inaccurate on all three reports for you. You also keep a credit-monitoring subscription in your own name, which is billed by that service and not by us.
Your monitoring subscription lets us see all three reports. You send a photo ID (front and back), proof of address dated in the last 60 days, and one document showing your full Social Security number, through a secure link. Then we read the reports with you, which for most people is the first time every negative item is on one screen.
Disputes go out in your name, item by item, each naming its own reason. Federal law gives the bureaus 30 days to answer, 45 when new documents go in mid-round.
A clean file is not automatically a fundable one. We close what is left on your side and the business side, then tell you which applications it can carry.
What people are working toward
Illustrations only. These show what members work toward, not typical results, and nobody pictured is a client. What any file can reach depends on what is on your reports, your income, and each lender. Results are not guaranteed.
Somebody actually reads your file
A person in glasses reading a credit reportThe envelope you want to open
A person opening an envelope containing a cardA business that can get funded
A person setting up a business at a counterA rate you would actually accept
A person standing beside a carAn application that goes through
Two people looking at a houseLearn to run your own file, or have us run the credit repair for you. Both start with joining.
The full classroom
Premium $63/month
How to read your own reports and challenge what is wrong yourself, alongside people doing the same. Done-for-you credit repair is free for Premium members — sign up inside the community and we dispute the inaccurate inquiries, collections and late payments on all three reports for you.
Who you would be working with
Before NorthStar Funding existed I was on the other side of this: a 600, with collections and late payments.
I tried disputing on my own and got nowhere, so I became a client of a repair program and did it properly. I did not just hand over my documents and wait. I learned why each item was challenged, which arguments the bureaus actually answer, and what a file has to look like before a lender will say yes to it.
Two months later I had access to over $100,000. That is my own file and my own result, not a promise about yours. What it left me with is the part I use every day here: I know this process from the inside, because I ran it on myself first.
Credit Karma gives you a number and two bureaus. It doesn't show the date of last activity, the account status code, or the same debt sitting on your file twice. That is where disputes come from.
That is the normal first result. Those portals feed an automated system that just asks the furnisher to confirm the account. A dispute lands differently when it names the exact field that's wrong.
Some of it is. The bad ones bill before the work, which is illegal, and promise a number or a date. We do not charge for credit repair at all, and the disclosures are on this site in full.
You can. What usually comes back is a no, and a no isn't free: every application leaves a hard inquiry, and nobody tells you which part of the file caused it.
Because NorthStar Funding's founder went through this exact process as a paying client before offering it to anyone else. We read your file, tell you what's on it, and give you a straight answer every round.
Every one of those is checkable before you spend a dollar. Read the disclosures.
Tell us what's on your reports and where you've been told no. We'll tell you what we see, what we'd do first, and whether the membership is right for you. If it isn't, we'll say so.
The form, our email and our Instagram are all on that page.
