Meet the expert behind your financial transformation
I’m Ashley, founder of Twelve-One Financial Solutions, a premium credit consulting firm dedicated to helping clients elevate their financial profile with precision and strategy.
I specialize in identifying and challenging inaccurate negative reporting while guiding my clients through a structured approach to rebuilding strong, fundable credit. Every client experience is tailored, intentional, and results-driven.
This is not a one-size-fits-all process — it’s a refined strategy designed for individuals who are serious about positioning themselves for higher limits, better approvals, and long-term financial leverage.
My focus goes beyond credit repair. I help my clients step into a higher financial standard — with clarity, confidence, and control.
I’m Ashley, founder of Twelve-One Financial Solutions, a premium credit consulting firm dedicated to helping clients elevate their financial profile with precision and strategy.
I specialize in identifying and challenging inaccurate negative reporting while guiding my clients through a structured approach to rebuilding strong, fundable credit. Every client experience is tailored, intentional, and results-driven.
This is not a one-size-fits-all process — it’s a refined strategy designed for individuals who are serious about positioning themselves for higher limits, better approvals, and long-term financial leverage.
My focus goes beyond credit repair. I help my clients step into a higher financial standard — with clarity, confidence, and control.
Why Clients Choose Us.
Done-for-you service
We handle everything so you can focus on your goals
Clear timelines
Set expectations and deliverables from day one
Law-based process
Built on federal consumer protection laws
No gimmicks
Honest, ethical practices with transparent results
Secure client portal
Track your progress 24/7 with full transparency
PRICING
Choose Your Plan
Foundation PLAN
$499
Birthday sales price
Now $199
Full 3-bureau credit audit
24/7 Client Portal Access
4 month dispute strategy
Targeted removal of negative items
Custom, law-backed dispute letters
Personalized rebuild & optimization plan
No contracts - cancel anytime
Expansion Plan
$679
Birthday sales price
Now $349
Full 3-bureau credit audit
24/7 Client Portal Access
6 month dispute strategy
Targeted removal of negative items
Custom, law-backed dispute letters
Personalized rebuild & optimization plan
No contracts - cancel anytime
Legacy Couples Plan
$799
Birthday sales price
Now $399
Full 3-bureau credit audit
24/7 Client Portal Access
4 month dispute strategy
Targeted removal of negative items
Custom, law-backed dispute letters
Personalized rebuild & optimization plan
No contracts - cancel anytime
What We Can Remove
Foreclosures
Help dispuling martgage related reporting issues
Collections
Old debts sold to agent ies that hurt your score.
Medical Bills
incorrect or out dated records
Judgements
Court related debt issues.
Medical Bills
incorrect or out dated records
Late Payments
Inaccurate reporting of payment history.
Repossessions
Help with thaccurare auto loeh reporting.
Public Records
Removing liens, judgments, and other recaids.
Charge-Offs
Written off debts harming your score
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take control of your credit journey.
TESTIMONIAL
STILL NOT SURE?
Frequently Asked Questions
How Long Does it take to see Results?
Results vary based on your credit profile, but many clients begin seeing changes within the first 30–45 days. Some accounts may be removed quickly, while others require multiple dispute rounds for maximum results.
What Items can you Remove?
We work to remove inaccurate, outdated, or unverifiable negative items, including:
* Collections
* Charge-offs
* Late payments
* Repossessions
* Inquiries
* Certain public records
Every account is challenged strategically using consumer protection laws to ensure the best possible outcome.
How Can I Improve My Score?
In addition to our dispute process, we guide you on:
* Lowering credit utilization
* Building positive payment history
* Adding credit-building accounts
* Strengthening your overall credit profile
Our goal is not just deletion — it’s long-term credit growth.
How Long Does it Take to Fix My Credit?
Credit repair is a process, not an overnight fix. While some clients see fast results, most profiles take 2–6 months depending on the number and complexity of negative items. Consistency and participation are key to success.
Are There any Refunds?
Yes — we stand behind our service.
If no deletions are achieved within 120 days, you may be eligible for a refund.
Please note: Clients must remain active in the program, maintain credit monitoring, and follow all required steps to qualify.