What exactly does Calloway Credit Consulting do?

Calloway Credit Consulting provides comprehensive credit repair, credit building, business funding guidance, and financial mindset coaching using 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.

How is Calloway different from other credit repair companies?

Three things set us apart: our triple-layer dispute strategy that attacks inaccuracies from three distinct legal angles, our proprietary Credit Bear Action Plans with personalized roadmaps and milestones, and our included FCRA litigation review that examines every client file for monetary compensation opportunities at no additional cost. We engineer each dispute based on the specific legal vulnerability of each item rather than filing generic template disputes.

What results can I expect and how quickly?

Most clients see initial results within 45 to 90 days, though individual timelines vary based on the complexity of your credit profile and how quickly creditors respond to disputes. We provide weekly updates and 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.

Is credit repair guaranteed?

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.

What are all the costs involved?

Credit monitoring is $19.95 per month via ScoreFusion. Our monthly service fee is $129, covering all dispute services, your Credit Bear Action Plan, regulatory escalation, and FCRA litigation review. There is a one-time $99 setup fee, billed only after your first round of disputes is filed. Business funding services have zero upfront fees; lenders pay referral fees only when funding successfully closes.

Can I pause or cancel my service?

Our service is month-to-month with no long-term contracts. You can cancel anytime with 30-day notice. We also offer hardship payment plans for clients experiencing temporary financial difficulty. We believe our results should earn your continued business, not a contractual obligation.

Is credit repair legal?

Yes. Credit repair is completely legal and is specifically regulated under the Credit Repair Organizations Act (CROA). Every consumer has the legal right under the Fair Credit Reporting Act to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Calloway operates in full compliance with CROA, FCRA, FDCPA, and all applicable state regulations.

What business funding options are available?

Two pathways: the Startup Path (for those with 650+ personal credit, W-2 income, and a business plan) offers equipment financing, working capital lines, and startup loans. The Revenue Path (for businesses with $50,000+ annual revenue, an active LLC with EIN, and 6+ months of bank statements) offers term loans, lines of credit, revenue-based financing, and merchant cash advances ranging from $10,000 to $500,000.

The Calloway Journal

Credit intelligence, written plainly.

Strategy breakdowns, regulatory updates, and funding playbooks from the Calloway Credit desk.

How to Build Credit From Scratch With a Clear Plan

Learn how to build credit from scratch with a structured plan for opening accounts, paying on time, tracking progress, and preparing for financing well.

October 27, 2026

Identity Theft Credit Report Dispute Steps

Handle an identity theft credit report dispute with a clear, organized plan: protect your file, document errors, and restore financing readiness today.

October 23, 2026

Goodwill Letter for Late Payments That Works

Learn when a goodwill letter for late payments can help, what to include, and how to request a fair review while protecting your credit progress steadily.

October 23, 2026

How to Remove Collections From Your Credit Report

Learn how to remove collections from credit report records by checking accuracy, disputing errors, negotiating, and rebuilding credit with a clear plan.

October 23, 2026

How to Dispute Credit Report Errors Effectively

Learn how to dispute credit report errors with an organized process that protects your records, supports corrections, and strengthens lending readiness.

October 23, 2026