North Star Funding

Credit repair first, business funding second · Orlando, Florida

You're not bad with money. Your file is carrying things nobody ever explained to you.

If your score starts with a 3, a 4, a 5 or a 6, that number isn't a verdict on your character. It's a summary of what a few lines on a page say about you right now. Some of those lines are wrong, some are old, and some were never yours. I read all three reports and tell you which is which. Then we clean it up, build the file, and go after business funding, in that order.

I started at a 600 with collections and late payments on my file. Two months later I had access to over $100,000.

Get your file read See what I actually do

Nobody has ever sat down and read it to you

Most people walking around with a low score think they earned it by being careless. Usually that isn't what happened. A few things landed on a report, nobody told you they were there, and the scoring model did what it does with them. Then you got told no, and after enough of that you stopped asking why. Here's what's usually sitting on the file of somebody in your position.

  • A collection from an agency you've never spoken to, for a bill you were sure got closed out years ago.
  • A charge-off from a card you stopped using in 2021, still reporting every month like it happened last week.
  • A repossession you assumed you just had to live with until it ages off on its own.
  • A bankruptcy reported with the wrong filing date or the wrong status, which almost nobody ever checks.
  • Balances pulled from a statement three cycles old, so your usage looks worse than what you actually owe.
  • The same debt listed twice because it got sold between agencies and both of them kept reporting it.
  • An address you have never lived at, sitting in the personal information section of your report.

The meter has been running this whole time

Nothing catches fire on the day you decide to deal with it later, so later keeps winning. Meanwhile the file keeps charging you, quietly, on a schedule. Accurate negative information can sit on a report for seven years, and a bankruptcy for ten. Waiting isn't a strategy. It's just time you're paying for.

  • The deposit the apartment asked for that somebody with a clean file didn't have to put down.
  • A car note at a rate nobody with a clean file gets offered, locked in for the next five years.
  • The one card that said yes, with a small limit and an annual fee attached to it.
  • A cosigner you had to ask, and the whole conversation that came with asking.
  • The deposit the power company wanted before they would turn the lights on.
  • The application you never sent, because you already knew the answer.

Two services, and the order is not optional

Credit first, funding second. Doing it the other way around is how people end up with a denial, a hard inquiry and nothing to show for it.

Credit repair, included with your membership

Everybody starts here, because a lender reads the file before they read you. I go through all three reports line by line, dispute what shouldn't be on there, and tell you what came back after every round. There's no separate repair fee at any point. The work is included with your membership and it happens after you join.

  • All three bureaus read line by line, not skimmed for the obvious stuff
  • Disputes written and filed for you, naming the exact field that's wrong
  • An update after every round, including the rounds where nothing moved
  • No repair fee before the work and none after it. It's included with your membership.
See what the repair covers

Business funding, once the file can carry the application

An underwriter isn't reading your life. They're reading a file, in a set order, looking for a short list of things. Once yours is clean, the next job is building it into a file that reads like the borrowers they have already said yes to. Then you apply knowing what it says about you before they open it.

  • What a reviewer looks at first, second and third, and why the order matters
  • Building the personal side and the business side so the two agree with each other
  • Setting the business up the way a lender expects to see it on paper
  • Knowing where you stand before you put your name on an application
See how the funding side works

How this actually runs

  1. You join

    Membership is $63 a month and it's the only thing you pay for. No setup fee, no per-item pricing, and no invoice before anything has been done. You're in the same day.

  2. You send your reports

    You pull all three reports and upload them through one form with your ID and proof of address. It takes about twenty minutes. This is where most people see every negative item on one screen for the first time, and it's usually less mysterious than they had built it up to be.

  3. The rounds run

    Disputes go out in your name, item by item, with the specific reason attached to the specific item. The bureaus investigate on a clock federal law sets, not one I control. When a round closes I tell you what came off, what stayed, and what their answer tells us about the next move.

  4. Build it, then apply

    A clean file isn't automatically a fundable one. Once the noise is gone we work on what the file is still missing, on your side and on the business side. When it's ready you're the one who applies, and for once you know what the file says before a lender reads it.

Who you would be working with

I was the client before I was the company

There's a version of this page where I tell you how many people I've funded and show you a wall of five-star reviews. I can't write that page, because I'd be making it up. I don't have a client roster yet. I have one file I've taken through this whole thing from the bottom, and it was mine.

I'm 22 and I live in Orlando. I started at a 600 with collections, late payments and other negative items sitting on my file, and that was the thing between me and anything I wanted to build. I tried disputing on my own first, the way everybody does, because it looked free and simple. It went nowhere and I quit twice. Then I paid to become a client of a repair program and did it properly. I sent the documents, let the rounds run, read every update, and asked what each one meant until I understood it.

Two months later I had access to over $100,000 in funding. That is my own file and my own result. It is not an average, and it is not a promise about yours. What your file does depends on what is actually on it, your income, and whether you stay with it.

It worked. The part nobody warned me about is that I didn't just end up with a better report, I ended up understanding the machine: why the order matters, and why a clean report still isn't a fundable file. That understanding is the thing I'm actually offering you.

So here's the honest version of who you'd be working with. There's no wall of client photos, no sales floor and no employees. What you get instead is that the person reading your file owns the company, and the person answering your messages is the same person. When you message North Star Funding, you get me.

Read the longer version

The things you're already thinking

I already pull my credit on Credit Karma. Why do I need you to read it?

Credit Karma shows you a number and two bureaus. It doesn't show you the date of last activity on a charge-off, the account status code, whether a collection got re-aged when it was sold, or whether the same debt is sitting on your file twice under two different agency names. Those details are where disputes come from. The app isn't lying to you. It was just never built to show you the part that matters here. Keep it. It's genuinely useful for watching movement.

I tried disputing things myself and nothing happened.

Same. I quit twice before I paid somebody. That's the normal result of a first attempt, and it usually isn't because you were wrong. The online portals feed an automated system that mostly asks the furnisher to confirm the account and then reports back verified. Disputes land differently when they name the specific field that's inaccurate and carry documentation behind them. You also have the legal right to do every bit of this yourself for free, and I'd rather be the one who tells you that.

Is credit repair a scam?

A lot of it is, and the bad ones have a shape you can check for. They bill you before they do any work, which is illegal. They promise you a number or a date. They imply that accurate information can be made to disappear. Here's how this one measures against that list. You pay $63 a month for a membership, the credit work is included in it and starts after you join, and the consumer disclosures are on this site in full, including your right to cancel.

Why can't I just apply for funding right now?

You can, and people do it every day. What usually happens is a no, and a no isn't free. Every application leaves a hard inquiry, and a stack of recent inquiries makes the next lender more nervous than the last one was. You also learn nothing from it, because nobody tells you which part of the file caused it. Applying on a messy file doesn't only fail. It makes the next try harder. That's the real price of doing this out of order.

You're 22. Why would I trust you with this?

Because I'm close to it, not in spite of it. I went through this exact process about a year ago as a paying client, so I still remember which parts were confusing and I haven't lost the reflex of somebody it happened to. What I don't have is other people's results to show you, and I'm not going to invent any. If you want a company with ten years of case studies, that company exists and you should go use it. If you want the person doing the work to be the person answering you, that's this.

What if the things on my report turn out to be accurate?

Then I tell you they're accurate, by name, in the update. Nobody has the right to take accurate, verifiable information off your report, and that includes me. An accurate item sits there until it ages off. What we do then is work the parts you can change: age the good accounts, bring the balances down, build the business side. There's a real strategy for building a strong file around something that has to stay put for another two years, and I'd rather hand you that on day one than sell you a story that falls apart in month three.

Every one of those is checkable before you spend a dollar. Read the disclosures.

Next month costs the same as this one did

You don't have to decide about funding today. Decide about the file. Tell me what's on your reports, what you're trying to build, and where you've already been told no. I'll tell you what I see, what I'd do about it and in what order, and whether the membership is even the right move for you right now. If it isn't, I'll say so and you can keep your $63.

Reach me directly

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