Are You Tired of Being Denied Because of Your Credit?

Rebuild Your Credit the Right Way... Even With Collections or Late Payments

If you're a homebuyer, car buyer, entrepreneur, or working professional who's been denied or overcharged because of your credit... watch this video right now.

Watch This First

Yes, I Want Better Credit

No payment is collected on this website

Free credit reviewCredit report reviewDispute assistanceCredit educationPersonalized guidanceOngoing supportServing all 50 statesPlans from $59/mo

Choose Your Plan

Pick the Plan That Fits Your Goals.

Three affordable packages, so you choose the level of help that fits your needs and your budget. Every plan comes with real human support and full transparency.

Credit Assist

Learn the process and take action yourself, with our guidance.

$59/month

One-time initial processing fee: $0

Credit Education & Report ReviewWe go through your report with you so you know exactly what is on it.

Personalized Action PlanClear next steps built around your report and your goals.

DIY Dispute GuidanceWe show you how to dispute eligible items yourself, the right way.

Monthly Check-InStay on track with a check-in every month.

Choose Credit Assist

Know Where You Stand...
and Where You Could Go.

A healthier score can mean easier approvals and better rates on the things you're working toward. Your free credit review shows you where you stand today.

520

Poor Credit

Poor → Excellent

Illustration only. Every credit profile is different, and results vary.

Packages

$59

Plans From / Month

States Served

The Real Cost

Bad Credit Is Costing You More Than You Think

It's not just a number. It decides whether you get approved, how much you pay, and sometimes where you can live. The longer it sits, the more it takes from you.

Denied for Loans, Cards, or Housing

A low score can close the door before you even get a chance.

Stuck Paying Higher Interest

Weak credit can mean paying more on mortgages, car loans, and credit cards.

Errors You Don't Even Know About

Inaccurate information on your report can quietly pull your score down.

Real Results

Real People.
Real Progress.

Screenshots and messages from clients who worked with Natara.

Real messages and screenshots shared by TNM Group clients. Individual results vary and are not typical or guaranteed. Results depend on the accuracy of what is reported, your personal circumstances, and third-party decisions.

This Is For You If...

You Have a Goal.
Your Credit Is in the Way.

A home, a car, a business, or simply peace of mind. We help you clear what's standing between you and the next step.

Future Homeowners

Get your credit ready before you apply for a mortgage.

Car Buyers

Tired of rejections or sky-high APRs? Work toward better terms.

Working Professionals

You want progress without spending your evenings on disputes.

Entrepreneurs & Business Owners

Your personal credit can affect the funding you can access.

Anyone Who's Been Denied

Loans, credit cards, or housing. It doesn't have to stay that way.

Ready for a Fresh Start

No matter where you're starting, you can learn and rebuild.

Know Your Rights

If It's Inaccurate, We Challenge It.

You have the legal right to dispute information on your credit report that's inaccurate, incomplete, or can't be verified. We know the process and handle the disputes with you.

Choose My Plan →

Foreclosures

Bankruptcies

Collections

Charge-Offs

Late Payments

Repossessions

Judgments

Medical Collections

Student Loans

Hard Inquiries

Public Records

Child Support

We dispute items that are inaccurate, incomplete, or unverifiable. Accurate, timely information can't be legally removed.

The Process

From Free Review to Stronger Credit.

Four simple steps. No guesswork, and no wondering what's happening with your report.

Choose Your Package

Credit Assist, Credit Restore, or Credit Elite, based on the help you need.

Sign Your Agreement

Complete your enrollment and service agreement online in a few minutes.

Set Up Monitoring & Portal

Activate SmartCredit and log in to your client portal so we can see your reports.

We Get to Work

Disputes, education, and ongoing support while you watch your progress.

Our Approach

More Than Disputes. Real Education.

"We don't just focus on disputing inaccurate information; we educate our clients on how credit works, help them build better financial habits, and provide ongoing support."

Disputes Handled With You

We challenge inaccurate and questionable items and keep you in the loop.

Credit, Explained Simply

Understand what's on your report and what actually moves your score.

Personalized Guidance

A plan built around your situation, not a one-size-fits-all template.

Ongoing Support

Real people answering your questions from start to finish.

Credit Monitoring

See All 3 Reports. In One Place.

To review your credit and track your progress, we work from your current 3-bureau reports. We recommend SmartCredit.

SmartCredit is an independent provider with its own subscription fee, terms, and privacy policy.

Your reports and scores from all 3 bureaus
Alerts when something changes
What we use to review your credit with you

Frequently Asked

Your Questions, Answered.

How long does credit repair take?

Every credit profile is different. Credit bureaus generally have about 30 days to investigate a dispute, and most situations take more than one round. We'll give you realistic expectations on your free credit review.

Is credit repair legal?

Yes. The Fair Credit Reporting Act gives you the right to dispute information on your credit report that is inaccurate, incomplete, or unverifiable. The Credit Repair Organizations Act sets rules that protect you when you work with a credit repair company.

Can you help if my credit is really bad?

Yes. We work with all kinds of starting points, from a few late payments to multiple collections. On your free review, we'll look at your report and tell you honestly what we can help with.

Can't I just dispute items myself?

You can, and it's free to do on your own. Many people choose help because the process takes time, follow-up, and knowing how to word each dispute. We handle it with you and teach you along the way.

How much does it cost?

Credit Assist is $59/month with no initial processing fee. Credit Restore is $129/month with a one-time $99 initial processing fee. Credit Elite is $199/month with a one-time $149 initial processing fee. The credit review itself is free, and no payment is collected on this website.

Do I need credit monitoring?

We use your current reports from all 3 bureaus to review your credit and track changes. We recommend SmartCredit, an independent monitoring provider with its own subscription fee and terms.

Which package is right for me?

It depends on what's on your report and how much hands-on help you want. That's exactly what the free credit review is for. We'll recommend the package that fits your needs and budget.

Can you remove accurate negative items?

No one can legally remove accurate, timely information from your credit report. We focus on items that are inaccurate, incomplete, or unverifiable, and we help you build better credit going forward.

What happens after I enroll?

You'll get access to your client portal. Set up your SmartCredit monitoring so we can review your reports, then we walk through your plan together and get to work.

Your Credit Can
Finally Change.

Pick your package and complete your enrollment in a few minutes. We'll review your report with you, talk through your goals, and get to work.

Yes, I'm Ready to Fix My Credit

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