📌Credit Consulting Services

Helping You Build and Strengthen Your Credit with Expert Guidance

At Versatile Family Solutions, we don’t “fix” credit — we empower you to improve it yourself. Our role is to provide personalized strategies, education, and step-by-step guidance so you can confidently manage your credit and reach your financial goals.

Whether you’re preparing for a major purchase, working toward better loan terms, or simply aiming for financial stability, we provide the tools and coaching to make it happen.


Our Services

🥉Bronze Credit Health Assessment – $75 (one-time)

A complete review of your current credit profile:

✅Review of all three major credit reports
✅Explanation of your credit score factors
✅Identification of high-impact opportunities for improvement
✅Action plan tailored to your situation

Includes: A 30-minute consultation + written summary report.


🥈Silver One-on-One Credit Coaching – $95 per session

Personalized sessions to guide you through your credit improvement journey:

👉🏼Customized strategies to build and maintain good credit habits. 
👉🏼Guidance on responsible debt management and credit utilization. 
👉🏼Help understanding your credit rights and avoiding common pitfalls.

Session length: 45 minutes (virtual or in person)


🥇Gold Credit & Life Milestone Prep – $120 per session

Specialized consulting to get you “credit ready” for major life events:

🌟Preparing for mortgage or auto loan approval
🌟Positioning for a better interest rate before refinancing
🌟Building credit from scratch (students, young adults, or newcomers to the U.S.)


🪙 Platinum Credit Growth Plan – 3-Month Program – $350 total
For clients who want consistent support and accountability:

🎯Initial Credit Health Assessment (included)
🎯Two coaching sessions per month (6 total)
🎯Ongoing email support for questions between sessions
🎯Step-by-step progress tracking to keep you on target


💎 Diamond Premium Credit Success Package – $425 (Best Value) 
For clients who want full support, personalized strategies, and continuous guidance over several months to reach their credit goals.

What’s Included:
🧨Initial Credit Health Assessment (Value: $75)
🧨Six 1-on-1 Credit Coaching Sessions over 3 months (Value: $570)
🧨Custom Credit Growth Roadmap – step-by-step action plan with milestone check-ins. 
🧨Unlimited Email Support for quick questions & guidance between sessions.
🧨Exclusive Resource Library Access – templates, checklists, and educational guides. 
🧨Final Progress Review Session to evaluate results and set next steps.

Benefits of the Premium Package: Saves you more than $220 compared to booking services individually. Consistent accountability to stay on track Flexible scheduling for busy lifestyles. Perfect for homebuyers, entrepreneurs, and anyone preparing for major financial milestones.


📃Personalized Credit Letter Assistance 
One simple step can make a big difference in your credit.

Sometimes the only thing standing between you and a better credit score is the right letter — but knowing what to say and how to say it can feel intimidating.

That’s where we come in. At Versatile Family Solutions, we create personalized credit letters designed specifically for your situation. No generic templates. No guessing. Just clear, professional letters that help you communicate effectively with creditors, collectors, or credit bureaus.

Common situations we help with:

✉️Removing inaccurate items from your credit report.
✉️Requesting a goodwill adjustment for a late payment.
✉️Verifying whether a debt is valid before you pay.
✉️Negotiating a “pay for delete” agreement.
✉️Disputing unauthorized credit inquiries.
✉️Establishing positive credit history references.

Why clients love this service:
🪄Easy fix without the stress – we handle the wording, you just send the letter.
🪄Personalized to your situation – every letter is written for you, not a template.
🪄Affordable and effective – only pay for the help you need. 

👉🏼 $30 per personalized letter with instructions.
👉🏼 $120 for the complete package (all 6 letters + guidance).