Choose Your Path to Better Credit
Whether you want us to handle everything for you, learn the system yourself, or something in between — there's a She Rises option built for your budget, your timeline, and your goals.
Which Option Is Right for You?
Not sure which to pick? Start here. If you want someone to handle it all — choose Done-For-You. If budget is the priority and you're ready to put in the work — choose the AI Tool.
We Handle Everything
You sit back while Melinda and the She Rises team analyze your credit, build your strategy, file disputes, and fight for your results — month by month.
- ✓ Full 3-bureau credit analysis
- ✓ Custom dispute letters filed for you
- ✓ Furnisher-level interventions
- ✓ Monthly branded progress reports
- ✓ 1-on-1 coaching & support
- ✓ Bilingual EN/ES
AI Does the Writing. You Send the Letters.
Upload your credit report, the AI analyzes it and generates your custom dispute letters using your legal rights under the FCRA — in minutes. You stay in control.
- ✓ AI-generated custom dispute letters
- ✓ FCRA & FDCPA based language
- ✓ Debt-Free Blueprint (free bonus)
- ✓ Score Booster Cheat Sheet (free bonus)
- ✓ Credit Academy access (free)
- ✓ Requires SmartCredit ($29.99/mo separately)
Credit Repair &
Restoration
Hands-on, fully customized credit repair using FCRA, FDCPA, and Metro-2 compliance strategies. We don't just send dispute letters — we build a complete strategic plan around your specific credit file and go directly to furnishers when bureaus don't act.
What's Included
- ✓ Full 3-bureau credit analysis — Equifax, Experian & TransUnion
- ✓ Customized dispute letters — not templates — per FCRA Section 611
- ✓ Goodwill & debt validation letter writing
- ✓ Direct furnisher interventions using Metro-2 & FDCPA
- ✓ Cease & desist and method of verification escalations
- ✓ Monthly branded progress reports
- ✓ SmartCredit setup & monitoring guidance
- ✓ Bilingual support — fully available in Spanish
Points gained on Experian in 6 weeks — verified client result. Individual results vary.
Disputes deleted in a single round including collections and charge-offs
Repossession removed from all 3 bureaus — a result most people think is impossible
How It Works
- 1
Free Consultation — We review your file and identify priority items
- 2
Custom Strategy — Personalized dispute roadmap built for your goals
- 3
We Execute — Custom letters sent, responses tracked, escalations filed
- 4
Monthly Reports — You see exactly what changed and what's next
Credit Education
& Coaching
Learn how credit actually works so you never need credit repair again. Personalized coaching sessions covering scoring models, utilization strategy, credit building, and how to maintain your results for life. Available 1-on-1 and through our group Credit Academy.
What's Covered
- ✓ Credit scoring model education (FICO 8, FICO 9, VantageScore)
- ✓ Utilization strategy — how to maximize your score impact
- ✓ Payment history optimization and timing
- ✓ Credit building roadmap — secured cards, authorized users, builder loans
- ✓ Debt positioning and payoff strategy
- ✓ How to read and understand your credit reports
- ✓ Personalized action plan with clear milestones
Points gained in 3 months — Roxanne S., verified client. Results vary by individual situation.
1-on-1 vs Group
- 1:1
Private Sessions — Direct access to Melinda, personalized to your exact credit file and goals
- 👥
Credit Academy on Skool — Monthly membership with curriculum, templates, community & live Q&A
Financial Strategy
Sessions
Credit repair gets you access. Financial strategy keeps you there. These sessions look at your full financial picture — budget, cash flow, debt, income — and build a realistic plan that works with your actual life as a working parent.
What's Included
- ✓ Budget review and cash flow analysis
- ✓ Expense audit — find your money leaks
- ✓ Debt payoff strategy and sequencing
- ✓ Income growth strategies for working parents
- ✓ Emergency fund and savings planning
- ✓ Financial goal-setting with realistic timelines
- ✓ Bilingual — fully available in English & Spanish
Who This Is For
- 👩
Working Parents — Paycheck-to-paycheck and needing a plan that fits a real busy life
- 💔
Rebuilding After Life Events — Divorce, medical debt, or job loss and starting fresh
- 🏠
Future Homebuyers — Getting your full financial picture ready for a mortgage
- 📈
Credit Repair Graduates — Score is climbing — now build the financial foundation to match
Melinda's clinical social work training makes her uniquely equipped to address the emotional and behavioral side of money — not just the numbers
She Rises AI Dispute Tool
The $47 Option.
Can't afford done-for-you credit repair right now? This is your starting point. Upload your credit report and the AI generates custom dispute letters based on YOUR file and YOUR legal rights under the FCRA — in minutes. You stay in control. You send the letters. The AI does the writing.
- ✓ AI analyzes your full credit report and generates custom dispute letters
- ✓ Letters grounded in FCRA, FDCPA, and federal consumer protection law
- ✓ Guidance on what to do when bureaus respond "Verified Accurate"
- ✓ Debt-Free Blueprint + Score Booster Cheat Sheet — FREE
- ✓ She Rises Credit Academy access — FREE
- ✓ Requires SmartCredit account ($29.99/mo — separate)
- ✓ She Rises AI Dispute Tool
- ✓ Debt-Free Blueprint (free)
- ✓ Score Booster Cheat Sheet (free)
- ✓ She Rises Credit Academy (free)
- ✓ Getting Started Guide (free)
- + SmartCredit account required separately ($29.99/mo)
Which Option Fits Your Situation?
Not sure which to pick? This breakdown makes it simple. Not sure after this? Book a free call and Melinda will tell you exactly what she recommends.
| What You Need | Done-For-You Services | AI Dispute Tool ($47) |
|---|---|---|
| Disputes filed and managed FOR you | ✓ | — |
| AI generates your dispute letters | — | ✓ |
| 1-on-1 attention from Melinda | ✓ | — |
| Budget-friendly one-time option | — | ✓ |
| Monthly progress reports | ✓ | — |
| Furnisher-level interventions | ✓ | — |
| Self-directed — work at your own pace | — | ✓ |
| Credit Academy community access | ✓ | ✓ |
| Bilingual support in Spanish | ✓ | ✓ |
| FCRA / FDCPA compliant strategy | ✓ | ✓ |
Whatever Path You Choose,
I'm in Your Corner
I built every option on this page because I know credit repair isn't one-size-fits-all. Some people need the full done-for-you experience. Some people need a budget-friendly starting point. What matters is that you start — and that you don't have to figure it out alone.
Not sure which is right for you? Book a free 20-minute call. I'll tell you exactly what I'd recommend for your specific situation — no pressure, no pitch.
Every Service. Fully Compliant.
She Rises Financial Solutions operates in strict compliance with all applicable federal and Texas state consumer protection laws. Your rights are protected at every step.
Not Sure Where
to Start?
The free consultation is the easiest way to get clarity. Melinda will look at your situation and tell you exactly which path makes the most sense for you — done-for-you, AI tool, or coaching. No commitment required.
🔒 100% Confidential · No Obligation · Bilingual EN/ES · Registered & Bonded · Results May Vary