Private Wealth · Credit Division

Finely Cred Personal credit restore. Business credit that funds. Debt paper, handled.

Personal & business creditFCRA compliantEncrypted vaultPartner portal

Personal restore, business credit, debt paper, and tradelines — work the file yourself, or let the desk run it with you.

Free dispute guide and portal access — no card required.

11

Free guides

24hr

Priority response

2

Languages: English & Kreyòl

Results vary · not legal advice · funding subject to underwriting

Statute feed·Educational links · not live enforcement
FCRA § 611Bureau reinvestigation rightsRead|Reg F / FDCPAValidation notice rulesRead|CFPB filingsConsumer-protection rules, explainedRead|Federal RegisterWhere federal rules are publishedRead|FCRA § 611Bureau reinvestigation rightsRead|Reg F / FDCPAValidation notice rulesRead|CFPB filingsConsumer-protection rules, explainedRead|Federal RegisterWhere federal rules are publishedRead|
Example case studies
22Written case studies
7Practice areas

Results vary · not legal advice · funding subject to underwriting

Who is this for?

Pick your path

Choose the work that fits this visit: restore a personal file, handle debt paper, build business credit, or earn with Finely Cred.

Restore credit

Dispute what Equifax, Experian, and TransUnion actually show — do-it-yourself tools or a done-for-you desk.

Debt & legal

Collections, validation, and summons support with a packet matched to the matter.

Business credit

Stand up the company file vendors actually check — EIN, vendors, then terms.

Earn · Careers

Credit Specialist, agency, affiliate, real estate, and authorized-user seller tracks.

What we offer partners

Full credit solutions — not a software tour

Personal restore, dispute letters, collector paper, business credit, and funding — work the file yourself, or let the desk run it with you.

Factual dispute letters, an encrypted partner vault, and a next step that matches the file in front of you.

RestoreDisputesDebtFundingLetters

Full credit solutions company

Watch how partners move from dispute to corrected reports to funding readiness — guided by specialists, not software alone.

Full credit solutions

Results vary · not legal advice · funding subject to underwriting · Finely Cred is a credit solutions company, not legal counsel or a bureau

Solutions

DIY or Done-For-You — your choice

PathDIYDone-For-You

Personal restore, business credit, debt strategy, tradelines, and wealth builder. Choose do-it-yourself tools or a done-for-you desk, then open the package that fits the file.

DIY
Tools + templates

Move with letter kits, dispute workflows, and portal access — built for partners who want to drive the work.

  • Letter kits & guides
  • Self-paced portal tools
Most popular
Done-For-You
Execution + support

We build the packets, the strategy, and the tracking so you stay in command without the busywork.

  • Strategy + dispute packets
  • Round tracking & responses
  • Dedicated specialist support
Wealth Builder
Funding pathways

From credit stability to capital readiness — sequenced next steps, not guesswork.

  • Fundability sequencing
  • Tradelines when appropriate

Results vary · not legal advice · funding subject to underwriting

Free debt & summons guide

Collector Letter or Court Papers.

Your 72-Hour Debt Response Plan

  1. Answer collectionsReplace endless calls with a written validation plan and a dated paper trail.
  2. Read foreclosure pressureUnderstand the pressure points and the next moves that can protect a home where possible.
  3. Protect what you can keepKeep home, income, and future opportunity in view while you document the file.

Results vary · not legal advice

Authorized User program

We market your tradelines. You supply the cards.

We market your tradelines. You supply the cards. One-time $50 activation unlocks your first 60-day marketing season.

What AU selling is

Authorized User tradelines let a partner appear on a seasoned revolving account with strong limits and clean payment history — a profile signal that can support age, mix, and utilization when structured inside a broader restore plan.

As a seller, you do not run dispute files. You supply verified inventory. Finely markets to partners, handles intake, and routes orders to your seller workspace. You fulfill, rotate on schedule, and earn per placement.

Six reasons partners list with us

Done-for-you buyer marketingWe list inventory, run intake, and route orders — no ads or DMs.
You supply the cardsSeasoned revolving accounts with clean history and clear bureau limits.
Marketplace placementYour slots reach partners already browsing AU profiles.
Payouts per placementTrack earnings tied to fulfilled contracts in your seller hub.
60-day listing seasonsRotate cards each season to protect issuer risk and stay fresh.
Rules and seller trainingMarketplace rules, rotation guidance, and authorized-user specialty training.

Law & marketplace

How authorized-user reporting works, what Finely's marketplace covers, and the rules every seller follows.

AU reporting relationship

When a partner is added as an authorized user on your revolving account, the issuer may report that tradeline on their credit file — age, limit, and payment history can appear as profile signals inside a broader restore plan.

Who may list on the marketplace

Cardholders who own verified, seasoned inventory may list AU slots on Finely's marketplace. We verify seller profiles, publish listings, run buyer intake, and route qualified orders — you fulfill placements under our marketplace rules.

What the $50 get-in covers

One-time seller activation: profile verification, marketplace listing setup, and your first 60-day managed marketing season. Partners browsing the marketplace pay separately for placements.

Rotation rules

Remove buyers from each card at the end of every ~60-day season. Rotation protects issuer risk, keeps inventory eligible for the next cycle, and is required before re-listing.

Results vary · not legal advice · educational overview only · issuer policies and bureau reporting differ

Why AUs matter

Profile signals partners pay for

Seasoned revolving lines can add age, limit, and clean payment history to a partner file — when structured inside a broader restore plan, not as a magic score jump.

  • · Issuer-reported tradeline history
  • · Utilization and mix support
  • · Finely handles buyer marketing & intake

For life · one-time

$50activation

Get paid on every placement

First 60-day season included · marketplace listing · seller hub for life

Potential earnings

Realistic placement math

Illustrative only — your inventory, limits, and seasons drive actual payouts. We help you build card depth so listings stay eligible cycle after cycle.

2
Partners per card / ~60 days
35%
Starting seller share

Results vary · not a guarantee · issuer and marketplace rules apply

The cards partners list

Six example listings. Every card stays with its owner — partners are added as an authorized user for one marketing season, then rotated off.

Finely marketplace

Platinum Revolving

Authorized user
•••• •••• •••• 3706

Reported limit

$25,000

Seasoned

11 yrs

Open

3 slots

High limit, long history — the profile buyers ask for first.

Finely marketplace

Gold Signature

Authorized user
•••• •••• •••• 4118

Reported limit

$15,000

Seasoned

8 yrs

Open

2 slots

Mid-tier workhorse that seasons well across a 60-day cycle.

Finely marketplace

Obsidian Reserve

Authorized user
•••• •••• •••• 5412

Reported limit

$40,000

Seasoned

14 yrs

Open

1 slot

Premium inventory — the strongest age and limit combination.

Finely marketplace

Emerald Rewards

Authorized user
•••• •••• •••• 6011

Reported limit

$10,000

Seasoned

6 yrs

Open

4 slots

Entry listing for sellers starting their first season.

Finely marketplace

Sapphire Preferred

Authorized user
•••• •••• •••• 4929

Reported limit

$20,000

Seasoned

9 yrs

Open

2 slots

Balanced utilization and age for broader restore plans.

Finely marketplace

Titanium Everyday

Authorized user
•••• •••• •••• 5310

Reported limit

$12,500

Seasoned

7 yrs

Open

3 slots

Steady reporter with clean payment history each cycle.

Illustrative listings for demonstration · not live inventory · limits, age, and availability vary by seller

Adding a teen as an authorized user?

Amex and U.S. Bank allow authorized users from around 13, Capital One commonly reports regardless of age, and Chase and Amex often do not report a minor at all. Our free 2-sheet parent kit lays out every issuer policy, the four gates an AU line must clear, and the 18th-birthday handoff.

In-house financing

Payment plans that report while you build

Eligible partners can explore Equifax-reporting in-house financing on tradeline, business credit and funding plans, so monthly payments support the file you are building. Credit repair is not financed: it is billed after each finished round.

  • Equifax-reporting contracts as you pay
  • Financing readiness check before enrollment
  • Pairs with tradelines, business credit, and funding paths

Results vary · not legal advice · funding subject to underwriting

Financing readiness

Check pre-approval

A short application so you can see your options before you enroll.

Full credit solutions

Restore, dispute, defend & fund

See the partner path the way a file actually moves: restore the personal report, handle debt paper, then get ready for funding.

9:41
Partner solutions
Restore · Debt · Funding
START FREE
Example · Approved

Derrick M. secured

$85,000

Navy Federal Credit Union•Business Line

Virginia Beach, VA

Example only · not a real partner result

Example: Tradeline posted to Experian2m ago
Example: Score increased +12 pts5m ago
Example: Identity monitoring active12m ago
Example: New funding offer available18m ago
Example: Tradeline posted to Experian2m ago
Example: Score increased +12 pts5m ago
Example: Identity monitoring active12m ago
Example: New funding offer available18m ago

Results vary · not legal advice · illustrative examples may not reflect your outcome.

Free · no card required

How to Dispute a Credit Report Error

A 5-Step Letter Guide

  1. Step 1Identify the target itemA labelled screenshot set and a one-line description of what looks wrong.
  2. Step 2Choose your dispute laneA single named lane and the exhibit that supports it.
  3. Step 3Structure the letterA signed one-page letter with numbered findings.
  4. Step 4Attach minimum proofA labelled exhibit packet — Exhibit A, B, C — referenced in the body.
  5. Step 5Follow up on cadenceA dated timeline: sent, delivered, responded, result, next action.

Opens on this page · PDF download · Results vary · not legal advice

Partner materials

Partner one-sheets

Short PDFs you can send before a session: business fundability, personal credit building, and authorized-user rules.

Results vary · not legal advice · funding subject to underwriting

Results vary · not legal advice · illustrative examples may not reflect your outcome.

Reviews

Partner success stories

Amy Peaks

Tradelines

“My score moved in the first cycle. The guidance was precise, the process was clean, and the results were exactly what I needed.”

Profile strengthened

Jennifer Boykins

Funding

“I was skeptical at first, but the sequencing and execution were real. I qualified for funding faster than I thought possible.”

5-month turnaround

Bruce Cunningham

Credit Restoration

“The strategy was detailed and disciplined. They didn't just send letters — they built a real case file and kept everything organized.”

Accuracy restored

These are partners' own words. Results vary · not legal advice · funding subject to underwriting.

Example results · not a promise
Example · score528 → 671
Personal Credit

Marcus T. — Miami, FL

Three charged-off accounts and mismatched late-payment histories across all three bureaus were quietly capping every application Marcus submitted.

15 U.S.C. § 1681i15 U.S.C. § 1681s-2
Example · funded$22,000
Business Credit

Jordan A. — Tampa, FL

A brand-new LLC with no trade history went from zero fundability signals to a working net-30 vendor stack.

ECOA 15 U.S.C. § 1691UCC Article 9
Example · funded$18,400
Debt & Legal

Reginald P. — Detroit, MI

A validation request went unanswered within the required window, and the collector kept reporting anyway.

FDCPA 15 U.S.C. § 1692gFDCPA 15 U.S.C. § 1692e
Example · funded$125,000
Wealth Builder

Andre F. — Nashville, TN

After stabilizing his personal credit, Andre used the Wealth Builder Starter program to stand up an LLC and a funding-ready structure from scratch.

ECOA 15 U.S.C. § 1691UCC Article 9
Privacy & Identity

Kenji M. — Seattle, WA

A public-facing career had left Kenji's home address and phone number scattered across dozens of data broker sites.

GLBA 15 U.S.C. § 680115 U.S.C. § 1681b
Example · score592 → 674
Tradeline Packages

Devon C. — Kansas City, MO

Three authorized-user placements plus a reporting installment tradeline gave Devon's thin file the depth it needed.

15 U.S.C. § 1681eECOA 15 U.S.C. § 1691

Results vary · not legal advice · funding subject to underwriting

Ready for your next step?

Ready for a clear next step

Book a free call or see solutions — the free guide stays at the top of the page if you want it first. Results vary · not legal advice · funding subject to underwriting.

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