Transform Your Financial Future with Expert Credit Solutions
Welcome to Calloway Credit Consulting, where credit repair meets financial empowerment. Led by founder Bernard Jackson, we're transforming lives across America with comprehensive credit solutions that go beyond simple dispute letters.
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Transparent Pricing with No Hidden Fees
Credit Monitoring
$1 for 7-day trial
Then $19.95/month
  • Three-bureau monitoring
  • Real-time score tracking
  • Dispute progress updates
  • Alert notifications
  • Cancel anytime
(Credit monitoring is required for service)
Credit Repair Service
$129/month
Plus $99 setup fee (due after 1st disputes submitted)
  • Month-to-month terms
  • No long-term contracts
  • Pause option available
  • Setup fee after first disputes filed
  • All major cards accepted
Additional Services
Custom pricing
Quoted individually
  • Legacy tradelines vary by age
  • Business funding: no upfront fees
  • FCRA litigation included free
We believe in complete transparency. You'll never encounter surprise fees or hidden charges. Our straightforward pricing reflects our commitment to honest, ethical business practices that prioritize your financial wellbeing.
Why Calloway Credit Consulting Stands Apart
Most credit repair companies file basic disputes and hope for results. We've revolutionized the industry with our proprietary three-layer approach that leverages advanced compliance strategies, federal law expertise, and regulatory escalation tactics that deliver measurable results.
Triple-Layer Protection
Metro 2 compliance disputes, FCRA violations, and consumer law protections working simultaneously to maximize your success.
Proprietary Technology
Our exclusive Legacy Tradelines Calculator and Credit Bear Action Plans provide data-driven strategies tailored to your unique profile.
Litigation Review
Every client automatically receives FCRA litigation review at no additional cost—potential compensation of $100-$1,000 per violation.
Mindset Transformation
We don't just fix credit scores—we transform your relationship with money through personalized financial mindset coaching.
Our Comprehensive Service Portfolio
Credit Repair Services
Our advanced dispute strategies leverage Metro 2 compliance requirements, FCRA protections, and multiple consumer law frameworks to challenge inaccurate reporting from every legal angle.
  • Metro 2 compliance disputes targeting technical violations
  • FCRA violation disputes with federal law backing
  • Pay-to-delete negotiations with written guarantees
  • Regulatory complaint escalation through BBB and CFPB
  • Real-time credit monitoring via SmartCredit.com
Credit Building Solutions
Building positive credit is just as important as removing negative items. Our strategic approach uses proven methods to establish strong credit foundations.
  • Credit-building credit card recommendations
  • Authorized user tradeline placement
  • Legacy tradelines with predictive calculator
  • Credit builder loan partnerships
  • Utility and rent payment reporting
Business Funding Pathways
Whether you're launching a startup or scaling an established business, we connect you with the right funding partners through our two specialized pathways designed for different business stages and needs.
Startup Path
Requirements: 680+ personal credit score and W-2 income verification.
Perfect for entrepreneurs with great ideas seeking equipment financing, working capital lines, or startup loans through our vetted lender network.
Revenue Path
Requirements: $50,000+ annual revenue and active LLC with EIN.
Designed for established businesses accessing revenue-based financing, merchant cash advances, or term loans ranging from $10,000 to $500,000.
The Credit Bear Action Plan: Your Personalized Roadmap
Every client receives our proprietary Credit Bear Action Plan—a comprehensive, customized strategy that breaks down your credit repair journey into achievable milestones. This isn't a generic template; it's a sophisticated analysis of your unique credit profile with specific recommendations tailored to your financial goals.
1
Days 1-30: Immediate Actions
Priority dispute targets identified and filed. Account management strategies implemented. Credit utilization optimization begins immediately.
2
Days 30-90: Short-Term Strategy
Second round dispute preparation based on creditor responses. Credit building product recommendations. Tradeline assessment and strategic placement.
3
Days 90+: Long-Term Optimization
Credit portfolio development for sustainable growth. Score maintenance strategies. Future credit access planning and goal achievement.
Our Revolutionary Three-Layer Dispute Strategy
While most credit repair companies rely on simple dispute letters, we've developed a sophisticated three-layer approach that attacks inaccurate reporting from multiple legal angles simultaneously. This synergistic strategy dramatically increases success rates and accelerates results.
Layer 1: Metro 2 Compliance
We identify technical format and reporting standard violations that most companies don't understand. These industry-specific compliance failures give us a significant strategic advantage.
Layer 2: FCRA Violations
Federal law compliance failures are challenged using strict legal requirements under 15 U.S.C. § 1681. Creditors must follow precise investigation protocols or face penalties.
Layer 3: Consumer Protection Laws
FDCPA, FCBA, and state-specific consumer protection laws provide additional leverage. We require debt collectors to prove ownership and validate claims.

Escalation When Needed: If creditors remain unresponsive, we escalate through regulatory channels including BBB complaints, CFPB filings, and State Attorney General complaints to force compliance and protect your rights.
Real Results: What Our Clients Achieve
While we cannot guarantee specific outcomes due to variables beyond our control, our comprehensive approach consistently delivers measurable improvements. Most clients see initial positive changes within 30-45 days, with continued progress throughout their journey with us.
30-45
Days to First Results
Most clients observe initial improvements in their credit profiles within this timeframe as negative items are removed or updated.
3
Bureau Monitoring
Comprehensive tracking across Experian, Equifax, and TransUnion ensures nothing falls through the cracks during your credit journey.
$100-1K
Potential Litigation Awards
FCRA violations can result in monetary damages per violation, plus attorney fees—automatically reviewed for every client at no extra cost.
"The Credit Bear Action Plan gave me a clear roadmap. Within three months, I saw significant improvements and finally qualified for my dream home mortgage. The team's expertise and personal attention made all the difference."
— Dallas Client, Home Buyer
"After being turned down for business funding repeatedly, Calloway helped repair my credit and connected me with the right lenders. I secured $75,000 to expand my business. Game changer!"
— Houston Entrepreneur
Your Journey Starts Here: Simple Steps to Financial Freedom
Getting started with Calloway Credit Consulting is straightforward and stress-free. From your initial consultation through achieving your credit goals, we guide you every step of the way with transparent communication, expert support, and proven strategies.
01
Schedule Your Free Consultation
Book a 15-30 minute consultation where we assess your current credit situation, discuss your financial goals, and determine if our services are the right fit for your needs.
02
Receive Your Custom Action Plan
Upon enrollment, we conduct a comprehensive credit audit and create your personalized Credit Bear Action Plan with immediate actions, short-term strategies, and long-term optimization goals.
03
We Execute Your Strategy
Our team files strategic disputes using our three-layer approach, negotiates with creditors, and escalates through regulatory channels when needed—keeping you informed throughout.
04
Track Your Progress
Monitor real-time changes through your client portal and MyFreeScoreNow integration. Receive weekly updates, monthly progress reports, and ongoing strategy adjustments.
05
Achieve Your Financial Goals
Whether buying a home, securing business funding, or simply improving your financial foundation, we support you until you reach your objectives and beyond.
Ready to Transform Your Financial Future?
At Calloway Credit Consulting, we believe everyone deserves a second chance at financial freedom. Whether you're recovering from past credit challenges, building toward homeownership, launching a business, or simply seeking financial peace of mind—we're here to guide you every step of the way.
Founded by Bernard Jackson and based in Texas, we've built our reputation on integrity, results, and genuine care for our clients' success. Our comprehensive approach combines cutting-edge credit repair strategies, innovative credit building solutions, business funding connections, and transformative financial mindset coaching.
Don't let your credit hold you back another day. Join the thousands of Americans who have transformed their financial lives with Calloway Credit Consulting. Your journey to better credit, greater opportunities, and lasting financial confidence starts with one simple step.
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Calloway Credit Consulting operates in full compliance with federal and state regulations including FCRA, CROA, FDCPA, and FCBA. Results vary by individual situation.