Consumer Law Specialists · Est. Score Improvement Consultants LLC

Credit Consulting & Coaching
That Actually Works

We don't just dispute — we educate, coach, and advocate. Score Improvement Consultants empowers you to reclaim your financial rights across every major credit challenge, from late payments to bankruptcy and beyond.

Explore Our Services Book Free Consultation
FCRA & FDCPA Specialists
All 3 Credit Reporting Agencies
1-on-1 Credit Coaching
Consumer Advocacy
Financial Education
Necole Stovall — Co-Founder & Credit Consultant, Score Improvement Consultants LLC
Co-Founder Credit Consultant Consumer Advocate
Meet Your Consultant
Necole Stovall
Co-Founder & Credit Consultant · Score Improvement Consultants LLC

Score Improvement Consultants was born from a deeply personal experience. When a false late payment threatened our family's trucking business, I didn't just fix the problem — I learned the law, mastered the process, and made it my mission to help others do the same.

With training in Consumer Law — including the FCRA, FDCPA, and consumer rights frameworks — I founded Score Improvement Consultants to give everyday people access to the knowledge and advocacy that creditors and collectors don't want you to have. We don't beg. We enforce your rights.

From late payments to bankruptcy, medical collections to child support — we fight for you while educating you every step of the way.

Work With Necole
Two Ways We Serve You

Consulting + Coaching — Under One Roof

Whether you need hands-on credit repair advocacy or personalized financial coaching to understand and protect your credit, we have a path built for you.

Credit Consulting

We Fight For You

Our consulting service puts experienced consumer law advocates in your corner. We file disputes, challenge inaccuracies, and hold Credit Reporting Agencies and collectors accountable — all grounded in federal law.

  • FCRA-based dispute letters to all 3 Credit Reporting Agencies
  • FDCPA violations identified & challenged
  • Identity theft & fraud recovery
  • FTC report coordination
  • Business funding guidance
Credit Coaching

We Educate You

Our coaching program builds your knowledge so you understand your rights and can protect your credit long after our work together is done. Knowledge is your best long-term tool.

  • 1-on-1 personalized coaching sessions
  • Credit report breakdown & education
  • Budgeting & financial habit coaching
  • Credit-building strategies post-repair
3
Credit Agencies Covered
8+
Challenge Categories
2-in-1
Consult & Coach
100%
Client-Focused
Credit Challenge Categories

Every Major Credit Issue — Consulted & Coached

For each category below, we provide both dispute & consulting services and targeted coaching so you understand what happened and how to prevent it going forward.

⏱
Late Payments

Late payments carry serious weight — they can drop your score significantly and stay on your report for 7 years.

Consulting: Dispute inaccurate lates, enforce your rights, verification requests.
Coaching: Payment system setup, autopay strategy, habit building to prevent future lates.

High Impact
📋
Collections & Medical Collections

Collection accounts — including medical debt — are among the most damaging items on a credit report.

Consulting: Debt validation, FDCPA violation challenges, Enforce the 11 Word Phrase, Credit Reporting Agency disputes.
Coaching: Understanding your rights with collectors — a debt collector cannot place a collection account on your report without first speaking to you in person or by telephone. Prevention strategies.

FDCPA Protected
📉
Charge-Offs

When a creditor charges off your debt, it severely damages your credit profile — but inaccurate charge-offs can be challenged.

Consulting: If the creditor canceled, discharged, or forgiven the debt then you are not obligated to pay it. If the debt is in collections, a consumer can also refuse to pay a debt.
Coaching: Understanding charge-off timelines, rebuilding credit after charge-offs.

Dispute Strategy
🎓
Student Loans

Federal and private student loan delinquencies create unique and lasting credit damage that requires a targeted approach.

Consulting: Dispute inaccurate reporting, enforce FERPA request documentation.
Coaching: Income-driven repayment education, loan forgiveness program guidance, credit impact planning.

Federal & Private
⚖️
Bankruptcy

Life after bankruptcy is about accurate reporting and smart rebuilding — both of which we specialize in.

Consulting: Dispute discharged debts still showing as owed, challenge the inaccurate credit reporting.
Coaching: Post-bankruptcy credit rebuilding roadmap, secured card strategy, timeline to full recovery.

Fresh Start
🚗
Repossessions

A repossession affects your credit in multiple ways — the repo entry itself and any deficiency balance that follows.

Consulting: Dispute inaccurate repo entries, challenge improper deficiency balance reporting.
Coaching: Understanding your rights post-repo, steps to rebuild and qualify for future financing.

Consumer Rights
🏠
Evictions

Eviction records can appear on both tenant screening reports and credit files, blocking future housing opportunities.

Consulting: Identify and dispute inaccurate public records, challenge improper credit reporting.
Coaching: Rebuilding rental history, steps to improve tenant screening profiles, housing advocacy guidance.

Record Dispute
👶
Child Support

Unpaid child support can appear as a public record or collection account, carrying long-lasting credit consequences.

Consulting: Review child support entries for FCRA compliance, dispute inaccurate reporting.
Coaching: Child support is not a consumer credit transaction and therefore should be deleted from your credit report.

FCRA Compliant
Know the Difference

Consulting vs. Coaching — What's Right for You?

Many clients benefit from both — we'll help you figure out the right combination during your free consultation.

Credit Consulting

Done-for-you advocacy & dispute services

We do the work — you see the results
Formal dispute letters drafted & filed
Credit Reporting Agency & creditor communications handled
FCRA & FDCPA violations identified
Identity theft recovery coordination
FTC & law enforcement report support
Best for: Active negative items to remove

Credit Coaching

Education & empowerment for long-term results

We teach you — you build lasting skills
Credit report review & literacy sessions
Personalized financial habit coaching
Credit-building strategy & product guidance
Budgeting & debt management coaching
Best for: Understanding & preventing issues
How It Works

Your Journey from Challenge to Clarity

A transparent, step-by-step process — whether you're consulting, coaching, or both.

Step 01
Free Consultation

We review your credit situation, identify every negative item across all three Credit Reporting Agencies, and recommend the right service mix — consulting, coaching, or both.

Step 02
Credit Analysis

We pull and analyze all three reports, categorize every derogatory item by type, and build a prioritized action plan tailored specifically to your situation.

Step 03
Dispute & Advocate

For consulting clients, we file targeted disputes using FCRA and FDCPA protections. We handle Credit Reporting Agency communications and track every response on your behalf.

Step 04
Coach & Educate

For coaching clients (or as a complement to consulting), we hold personalized sessions to build your credit knowledge, financial habits, and long-term strategy.

Step 05
Monitor & Support

We track changes, update you on outcomes, and provide ongoing support until your credit goals are achieved — and beyond.

Credit Coaching Program

Build the Knowledge to Protect Your Credit for Life

Our coaching program goes beyond repair. We walk alongside you, teaching you the financial skills, consumer law basics, and credit strategies that keep your score strong long after our work is done.

📖
Credit Report Literacy
Learn to read, understand, and spot errors on all 3 reports
💳
Credit Building Strategy
Secured cards, credit-builder loans, authorized user tactics
💰
Budgeting & Debt Management
Build habits that keep payments on time and debt low
⚖️
Know Your Consumer Rights
FCRA, FDCPA basics — know what collectors can and can't do
🎯
Goal Setting & Accountability
Personalized score targets with regular check-in sessions
Coaching Program
Personalized 1-on-1
Credit Coaching

Every coaching engagement is customized to your credit profile, financial goals, and the specific categories impacting your score. No cookie-cutter advice — just real guidance built for you.

Start Coaching Today
Free consultation required to enroll
"Empowering Individuals to Navigate the Complexities of Their Financial Rights — through consulting, coaching, and unwavering advocacy."
— Score Improvement Consultants LLC Mission
Get Started

Book Your Free Consultation

Tell us what's going on with your credit and we'll reach out within 24 hours. Whether you need consulting, coaching, or both — we'll build the right plan together.

🌐 scoreimprovementconsultants.com
✉️ necole@scoreimprovementconsultants.com
⚖️ FCRA · FDCPA · Consumer Law Advocates
Services Available
✦ Credit Consulting
✦ Credit Coaching
✦ Consumer Advocacy
✦ Financial Education
✦ Identity Theft Recovery

Your information is private and never shared with third parties.