Bad credit is expensive. Let's fix that.
Sims Consulting Co. helps you get ready for the home, car, or business you deserve — with credit repair, building, and big-purchase prep built around your goals.
Based in Michigan and serving clients nationwide. Consultations are by phone or video, so you can work with us from anywhere.
Bad credit is expensive.
A lower credit score quietly costs you money every month — and thousands over time. Here's how. These are illustrative examples, not guarantees.
Mortgage rates
On a $250,000 30-year mortgage, a lower score can mean a rate 1.5%+ higher — that's tens of thousands of dollars in extra interest over the life of the loan.
Auto loans
A lower score can push your auto APR several points higher, adding thousands in interest on a typical 5-year car loan.
Bigger deposits
Utilities, cell phones, and rentals often require security deposits of hundreds of dollars for lower-credit applicants.
Insurance premiums
In many states, credit influences auto and home insurance pricing — a lower score can mean higher monthly premiums.
Denied apartments
Many landlords require minimum credit scores. A low score can mean the deposit you paid — or the apartment itself — goes to someone else.
Stop paying for your past.
A better score means better rates, smaller deposits, and more yeses. Let's get you there.
Get My Free ConsultationWhat we do.
Four programs, one goal — a credit profile that opens doors for clients nationwide.
Credit Repair
We audit your Experian, Equifax, and TransUnion reports and dispute inaccurate, outdated, or unverifiable items under the FCRA, FDCPA, and FACTA.
Learn moreCredit Building
No credit history? We help young adults establish and grow credit the right way — from the first secured card to a healthy, mix-aged profile.
Learn moreBusiness Credit
Separate your personal and business credit. We help you build a fundable business profile and vendor relationships that open doors to capital.
Learn moreBig Purchase Prep
Buying a home or car soon? We tune your profile — utilization, mix, and age — to qualify at the best rate your file can support.
Learn moreHow it works
Three steps. One objective — a credit profile that opens doors.
Free Consultation
We review your reports, identify what's holding your score back, and map a clear path forward — at no cost.
Dispute & Build
We file disputes on inaccurate, outdated, or unverifiable items and layer in credit-building strategy as your file improves.
Prepare & Elevate
As your score climbs, we prep your profile for the home, car, or business you're working toward.
Simple, honest pricing.
No hidden fees. You're never charged before services are performed.
Your exact price is set during your free consultation based on your credit profile. You are never charged before services are performed.
Get My Free ConsultationResults-Based Money-Back Guarantee*
If we don't get at least one inaccurate, outdated, or unverifiable item corrected or removed within 90 days of starting your program, request a full refund of the fees you paid.
*Requires active enrollment and timely response to our document requests. Refund requests must be made within 30 days after the 90-day period. Results vary; we cannot remove accurate, timely, verifiable information and do not guarantee a specific score increase.
Client stories
Real results from real clients — coming soon.
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We never publish fake reviews. Testimonials are added only with client consent.
Questions, answered.
Bad credit is expensive. Let's fix that.
Start with a free consultation. No pressure, no obligation — just a clear path forward.