Your Credit isn'tbroken. It's beenmisreported.
We fix that.
Est. Texas. Serving Clients Nationwide
Calloway Credit Consulting combines twenty-plus years of financial compliance expertise with proprietary dispute methodology. We don't just repair credit; we transform how it's managed, defended, and built.
09 — Transparent Pricing
No hidden fees. No long-term contracts. Ever.
Credit Monitoring
$19.95
Per month
Three-bureau monitoring via Smart Credit
Three-bureau monitoring, score tracking, dispute progress visibility
Enroll In Credit Monitoring →Monthly Service
$129
Per month
All dispute services, Credit Bear Action Plan, regulatory escalation, FCRA litigation review
Month-to-month. Cancel anytime with 30-day notice.
Setup Fee
$99
One-time
Billed after first dispute round is filed. Never upfront.
Covers comprehensive audit and Credit Bear Action Plan creation
**Note:Credit monitoring is required for the entire duration of service.
Complimentary Tools
Know your numbers before you commit.
Free Funding Snapshot
Get instant insights into your business funding eligibility and explore loan options tailored to your profile.
Access NowFree Credit Snapshot
See your credit profile at a glance with actionable insights on how to improve your score.
Access NowRegulatory Framework
CROA
Credit Repair Organizations Act
FCRA
Fair Credit Reporting Act
FDCPA
Fair Debt Collection Practices Act
FCBA
Fair Credit Billing Act
TILA
Truth in Lending Act
METRO 2
Industry Reporting Standard
01 — Our Methodology
Three legal frameworks. One uncompromising strategy.
Most credit repair companies file generic disputes. We engineer them across three distinct legal layers, and our litigation team reviews every file for monetary compensation opportunities.
Metro 2 Compliance Disputes
We challenge credit reporting using Metro 2 format requirements and industry reporting standards. Most credit repair companies don't understand Metro 2, which is exactly why our disputes succeed where others fail.
INITIAL DISPUTES FILED WITHIN 5–7 BUSINESS DAYS
FCRA Violations
Direct challenges under 15 U.S.C. § 1681 federal statutes. We target inaccurate reporting, incomplete verification, and failure-to-investigate violations: areas where creditors face strict legal obligations.
FEDERAL LAW — STRICT CREDITOR REQUIREMENTS
Consumer Law Disputes
Protections under FDCPA, FCBA, TILA, and state-specific consumer law. Includes validation disputes requiring debt collectors to prove debt ownership before reporting can continue.
FEDERAL + STATE CONSUMER PROTECTIONS
02 — Credit Repair
Beyond disputes. Beyond expectations.
FCRA Litigation Review
Every client file is reviewed by qualified FCRA litigation specialists. We identify creditor violations that may entitle you to monetary damages between $100–$1,000 per violation, plus attorney fees. Legal representation available for qualifying cases at no upfront cost.
Pay-to-Delete Negotiations
Direct negotiation with collection agencies and original creditors. Every agreement obtained in writing before payment. Never any other way.
Integrated Credit Monitoring
Smart Credit integration for real-time three-bureau tracking. Monthly score updates, alert notifications, and complete dispute progress visibility.
Regulatory Complaint Escalation
When creditors fail to comply, we escalate. BBB complaints for unresponsive parties. CFPB complaints for serious violations. State Attorney General filings when appropriate.
08 — The Process
Six phases. Total transparency.
Lead Generation & Qualification
Initial contact within five minutes. Setter qualification determines if you need credit repair, business funding, or both. Unqualified leads enter a 7-day educational nurture sequence. No pressure.
Initial Consultation & Needs Assessment
A 30–45 minute consultation covering your current situation, credit history, financial goals, and timeline. Detailed service explanation, realistic success probability based on profile, full Q&A. No obligation.
Onboarding & Documentation
Secure encrypted collection of required information. Identity verification, service agreement, payment authorization, and MyFreeScoreNow monitoring setup. Everything in writing.
Credit Analysis & Strategy Development
Comprehensive three-bureau audit. Metro 2 compliance review, FCRA violation identification, consumer law assessment, account validation, and statute of limitations review. Your custom Credit Bear Action Plan delivered.
Dispute Execution
First-round disputes filed within Days 1 to 14. Creditor response analysis Days 15 to 45. Second-round enhanced strategy Days 45 to 75, including regulatory complaints, pay-to-delete negotiations, and consumer law leverage.
Ongoing Management & Optimization
Weekly dispute updates. Monthly comprehensive progress reports. Quarterly strategy reviews. On-demand client portal support. Continuous score tracking across all three bureaus.
06 — Why Calloway
FOR THE OVERLOOKED.
FOR THE OVERLOOKED.
Credit Bear Action Plans
Proprietary methodology, developed exclusively by Calloway. Every client receives a custom roadmap with immediate actions (Days 1–30), medium-term strategy (30–90 days), long-term optimization (90+ days), specific product recommendations, and milestone-marked timelines.
Triple-Layer Dispute Strategy
Metro 2 compliance, FCRA violations, and consumer law: three distinct legal approaches working in synergy. Each layer builds on the previous for maximum dispute impact.
Regulatory Escalation Process
Five-tier escalation: direct dispute, BBB complaint, CFPB complaint, state regulatory filing, and FCRA litigation review. We escalate until creditors comply.
FCRA Litigation Review Program
Every file. Every client. Reviewed for monetary compensation opportunities at no additional cost. Potential awards range from $100–$1,000 per violation, plus attorney fees for qualifying cases.
Legacy Tradelines Calculator
Proprietary algorithm analyzing current score, credit profile, negative items, and account history to predict point increases. Specific tradeline recommendations with full ROI calculations and optimal timing.
07 — The Numbers
$0
MAX PER FCRA VIOLATION DAMAGES
0–7
DAYS TO FIRST DISPUTE FILING
$0K
MAX BUSINESS FUNDING AVAILABLE
0
CREDIT BUREAUS, FULL COVERAGE
0–90
DAYS TO INITIAL RESULTS
0
UPFRONT FEES FOR LITIGATION REVIEW
Client Results
Real clients. Real results.
"My score jumped 127 points in under 5 months. Calloway removed 9 negative accounts I thought would follow me forever. Bernard's team knew every angle of the law. I had no idea creditors had violated my FCRA rights."
Marcus T.
Houston, TX
"I came in with a 521 and left with a 619 in just a few months. I was finally approved for a home loan I had been denied twice before. The Credit Bear Action Plan gave me a clear roadmap. Nothing was hidden."
Latasha W.
Dallas, TX
"After cleaning up my personal credit, they connected me with business funding resources and I secured $80K for my logistics company. The process was professional, transparent, and actually worked."
Devon R.
Atlanta, GA
03 — Credit Building
Rebuild. Then build beyond.
Credit-Building Credit Cards
- Secured cards for low barrier rebuilding
- Student cards for limited credit history
- Strategic store card recommendations
- Graduated approval pathways
- Personalized to current credit profile
Authorized User Tradelines
- Standard tradelines for credit building
- Legacy tradelines — seasoned accounts with significant positive history
- Proprietary tradeline calculator predicting score improvement
- Data-driven selection to maximize point increases
- Strategic timing for score optimization
Credit Builder Loans
- Self-lender programs building payment history
- Local and national credit union partnerships
- Verified three-bureau reporting
- 6–24 month flexible terms
06 — Credit Builder Tools
Proven platforms to build your score.
04 — Business Funding
Two pathways. Real capital.
We don't lend. We connect qualified clients to vetted lender partners. No upfront fees. Lenders pay referral fees only when funding closes.
Requirements
- Personal credit 680+
- W-2 employment income
- Business plan or concept
- Personal guarantee willingness
Funding Types
Equipment financing, working capital lines, startup loans
Requirements
- $50,000+ annual business revenue
- Active LLC with Federal EIN
- 6+ months business bank statements
- Business tax returns (if filed)
Funding Types
Term loans, lines of credit, revenue-based financing, merchant cash advances
$10,000 – $500,000
05 — Mindset
Credit changes when behavior does.
Personal Development Integration
- Mindset coaching addressing limiting beliefs about money and credit
- Habit formation for sustainable financial behaviors
- SMART goal-setting methodology
- Regular accountability check-ins and progress assessments
Educational Components
- Deep credit scoring and reporting education
- Financial literacy: budgeting, debt management, investment basics
- Business finance and funding fundamentals
- Long-term wealth building and financial independence planning
Our Purpose
Everyone deserves a second chance at financial freedom.
We empower individuals and business owners to rebuild and strengthen their credit profiles through expert dispute services, personalized improvement strategies, business funding guidance, and transformative financial mindset coaching.
Integrity
Transparent practices, honest communication, and ethical conduct in every interaction.
Empowerment
Giving clients the knowledge and tools to take lasting control of their financial lives.
Results
Data-driven strategies measured by tangible credit score improvements and funding secured.
Compliance
Operating within every federal and state regulation that governs our industry.
Innovation
Proprietary tools and methodologies that set us apart from generic credit repair.
Founder
Bernard Jackson
Founder & Principal Consultant
Bernard Jackson founded Calloway Credit Consulting after two decades inside the systems that govern how credit, payroll, and financial compliance actually work. He's spent his career mastering the regulatory frameworks most consumers never see Metro 2 reporting, FCRA enforcement, FDCPA protections, and the operational realities of how creditors actually handle disputes.
That insider perspective is the foundation of Calloway's triple-layer methodology. Bernard built the Credit Bear Action Plan system, the Legacy Tradelines Calculator, and the firm's regulatory escalation protocol because he saw, repeatedly, how generic credit repair was failing the people who needed it most.
Calloway operates from Texas and serves clients nationwide with the same standard of compliance, communication, and personal involvement that defines a founder-led firm.
Bernard Jackson
CALLOWAY CREDIT CONSULTING
10 — Resources Included
Built for transparency.
Credit Education eBook
A 15-page complete credit fundamentals guide covering scoring mechanics, report interpretation, utilization optimization, payment history impact, and credit mix strategy. Branded with our Credit Bear methodology.
Financial Mindset Guidebook
Money psychology, limiting belief work, habit formation frameworks, SMART goal methodology, financial stress management, and real client transformation stories.
Client Portal (Scorexer)
Live dashboard of all active disputes. Step-by-step action plan tracking. Secure document storage for every dispute letter and response. Historical score change visualization. Direct messaging with your specialist.
Smart Credit Integration
Three-bureau monitoring — Experian, Equifax, TransUnion. Monthly updates, identity monitoring against fraud, full credit report access and analysis.
11 — Questions
What clients ask before they enroll.
Calloway Credit Consulting provides comprehensive credit repair, credit building, business funding guidance, and financial mindset coaching. We use a proprietary triple-layer dispute methodology combining Metro 2 compliance, FCRA violation challenges, and consumer law protections to address inaccurate, incomplete, or unverifiable items on your credit reports across all three bureaus.
Three things set us apart: our triple-layer dispute strategy that attacks inaccuracies from three distinct legal angles, our proprietary Credit Bear Action Plans that give you a personalized roadmap with specific timelines and milestones, and our included FCRA litigation review that examines every client file for monetary compensation opportunities at no additional cost. Most credit repair companies file generic template disputes. We engineer each dispute based on the specific legal vulnerability of each item.
Most clients see initial results within 45 to 90 days, though individual timelines vary based on the complexity of your credit profile, the number of inaccurate items, and how quickly creditors respond to disputes. We provide weekly updates so you always know where things stand. We never guarantee specific score increases, as that would violate the Credit Repair Organizations Act, but our methodology is designed to maximize the probability and speed of successful dispute outcomes.
No reputable credit repair company can guarantee specific results. The Credit Repair Organizations Act prohibits guarantees of credit score improvements. What we guarantee is our process: thorough analysis, properly filed disputes across all three legal layers, regulatory escalation when creditors fail to comply, and transparent communication throughout. Our methodology gives every dispute the strongest possible legal foundation.
12 — Compliance
We operate inside the law. Always.
Federal Regulations
CROA governs our client disclosures, contracts, and payment structures. FCRA establishes consumer dispute rights and creditor obligations. FDCPA protects against abusive collection practices. We exceed industry standards on all three.
State Regulations
Texas compliance forms our operational baseline. Multi-state service includes compliance with client state requirements, appropriate licensing, and additional state-specific consumer protections.
Ethical Standards
Truth in advertising — no fabricated guarantees. Strict client confidentiality on all personal and financial information. Continuing education on regulatory changes. Professional conduct in every client interaction.
Calloway Credit Consulting adheres to the Credit Repair Organizations Act. No upfront fees for credit repair services. All clients retain the right to cancel within statutory periods.
Your credit deserves a defender.
Schedule a confidential 30–45 minute consultation. No upfront cost. No pressure. Just a complete review of where you stand and what's possible.
Or call (713) 903-5429. Texas based, serving nationwide.