CREDIT BUILDING · FOR YOUNG ADULTS & FIRST-TIMERS
Having no credit can cost almost as much as bad credit: bigger deposits, co-signers and denied applications. We help you choose the right first accounts and build positive payment history from day one.
Free 15-Minute Consultation · Written Pricing Up Front · No Long-Term Contracts
WHAT'S INCLUDED
From No Credit to Approved
One $199 mentorship that takes you from little or no credit to a profile that qualifies for high-limit cards, in three stages over 24 months.
01
Starter Plan Session
A one-on-one session with Tagen on day one. We look at where you're starting and map your first accounts in the right order.
02
Stage 1: Foundation (Months 0-3)
Get your first score. Safe authorized-user setup, the right secured card or credit-builder loan, and rent and utility reporting turned on.
03
Stage 2: Build (Months 3-12)
Grow a solid file. Low utilization, a second card at the right time, your first limit increase, and soft-pull pre-checks before you apply.
04
Stage 3: Leverage (Months 12-24)
Get the approvals. Limit increases without hard pulls, planned applications, and getting ready for a car loan or mortgage.
05
Group Q&A Calls
Bring your questions to live group calls with Tagen. Recordings are saved with your lessons.
06
Milestone Check-ins
Personal check-ins at months 3, 6 and 12 to review your progress and adjust your plan.
Who This Is For
- Young adults and students opening their first accounts
- Anyone told they have "no credit history" or a thin file
- Parents helping their kids start off right
- People starting over after paying off old debt
- Anyone who wants to rent, finance a car or get a card without a co-signer
FOR PARENTS
Give them a head start
The easiest time to build credit is before you need it. We'll show you how to add your young adult as an authorized user without putting your own credit at risk, and they get a mentor who isn't you. It makes a practical graduation or 18th-birthday gift.
Book Free ConsultationSIMPLE, HONEST PRICING
Honest, Upfront Pricing
One flat price covers the whole mentorship. Start with a free 15-minute call. If it's a fit, you're billed $199 once, after your Starter Plan session is delivered.
- Free 15-minute consultation
- One $199 fee, billed after your Starter Plan session
- No contracts and no monthly charges
Free Consultation • No Obligation • No Credit Card Required
CREDIT BUILDER MENTORSHIP
$199
One-time fee for the full program
Billed once, after your Starter Plan session is delivered. No monthly charges, no surprise fees, and you can cancel within three business days of signing.
- Starter Plan session with Tagen
- Authorized-user setup guidance
- Rent and utility reporting setup
- Lessons for all 3 stages, 24 months of access
- Group Q&A calls
- Check-ins at months 3, 6 and 12
Lenders make all approval and credit limit decisions. We never guarantee scores, approvals or limits.
The Credit Builder Mentorship
From No Credit to Approved, for One Price
Your first score, your second card, your first limit increase and the approvals after that, with a mentor checking in the whole way.
- Day 1Starter Plan session
Your personal plan with Tagen.
- Month 3First score check-in
Is your first account reporting on time?
- Month 6Build check-in
Second account, utilization under 10%.
- Month 12Leverage check-in
Plan your first prime card or big loan.
- Month 24Program complete
Lessons, group calls and support the whole way.
One payment · 24 months of mentorship
$199one time
No monthly fees. Billed after your Starter Plan session.
- Starter Plan session with Tagen
- Authorized-user setup guidance
- Rent and utility reporting setup
- Lessons for all 3 stages, 24 months of access
- Group Q&A calls
- Check-ins at months 3, 6 and 12
Free 15-minute call. No obligation. No credit card.
Not ready yet? Get the free First Credit Card PlaybookYou can cancel within three business days of signing. Lenders make all approval and credit limit decisions; we never guarantee scores, approvals or limits.
FREE DOWNLOAD
The First Credit Card Playbook
A 4-page guide to going from no credit to a real score in about six months: your first 90 days, how to pick your first account, the one-small-charge routine, and the mistakes that cost people years.
- Week-by-week 90-day checklist
- Secured card vs. credit-builder loan vs. authorized user
- Free, no credit check, no card required
INSTANT 4-PAGE PDF
Get The Free Playbook
Enter your name and email to get the download link right away.
TRANSPARENT 3-STEP JOURNEY
What Happens Next
Here is exactly what happens after you reach out.
PHASE 01 : INTAKE
Form Submission & Outreach
Submit your profile and credit challenges securely online. Tagen personally reviews your information and usually contacts you within one business day.
- Usually within one business day
- Direct file review by Tagen Sims
Tagen contacts you directly
PHASE 02 : CALL
Free 15-Minute Call
A quick call with Tagen to go over your credit, your goals and what is holding you back.
- Review of your goals and timeline
- Quick look at what is hurting your score
- Answers to your questions
Zero-obligation consultation
PHASE 03 : PLAN
Your Personalized Plan
You get a plan built around your situation, with clear next steps and upfront pricing before any work begins.
- Steps tailored to your goals
- Clear pricing in writing
- No work starts until you agree
No surprise fees
Takes under 60 seconds : 100% confidential : No credit card required
TRANSPARENCY FIRST
Common Questions
Quick answers to the questions we hear most.
Federal CROA Notice: Consumers retain the statutory right to dispute inaccurate information directly with credit reporting bureaus at no cost.
How long until I have a credit score?
FICO needs at least one account open six months or more and one reported in the last six months. Most people starting from zero see a first score around the six-month mark. Authorized-user history can sometimes get you there sooner.
What does the $199 cover, and when do I pay?
Everything in the mentorship: your Starter Plan session, setup guidance, lessons for all three stages with 24 months of access, group Q&A calls and check-ins at months 3, 6 and 12. You're billed once, after your Starter Plan session is delivered. No monthly fees.
How are my Social Security Number and confidential financial records secured?
We only ask for sensitive information when it is needed for your file, we never sell or share it with marketers, and you can ask us to delete it at any time.
Can you guarantee an approval, a limit or a score?
No, and no one legitimately can. Lenders make every approval and limit decision based on your own history. What we promise is a clear plan, the right order to do things in, and someone checking your progress.
Can I do this on my own?
Yes. Everything in this program is something you have the right to do yourself, for free. The mentorship gives you the order to do it in, the mistakes to avoid, and accountability along the way.
STEP 1: KNOW YOUR NUMBERS
See Your Credit Scores & Reports Before Your Consultation
Get your 3-bureau credit reports and scores through MyFreeScoreNow, our credit monitoring partner. Having them ready helps Tagen review your credit and build your plan faster.
Start 7-Day Trial7-day trial, then $29.95/month
Credit monitoring is provided by MyFreeScoreNow, not Sims Consulting Co. Sims Consulting Co. may earn a commission if you enroll. See MyFreeScoreNow's terms for trial, billing and cancellation details.
REFERRAL PROGRAM
Know Someone Who Needs Better Credit? Become a Partner.
Refer friends, family or clients to Sims Consulting Co. Every referral gets a free 15-minute consultation. Free to join.
FREE 15-MINUTE STRATEGY SESSION
Take The First Step
Speak directly with Tagen Sims to review where you're starting, map your first accounts, and see if the Credit Builder Mentorship is a fit.
- Direct 1-on-1 conversation with Tagen Sims
- A clear plan for your first accounts and next steps
- One flat $199 price, no forced enrollment
Your information is kept confidential and is never sold.
Request Your Free Consultation
Tell us your main goal so Tagen can prepare for your call.
TAKE CONTROL OF YOUR FINANCIAL FUTURE
Bad Credit Is Expensive.
Let's Fix That.
Stop letting high interest rates and unfair reporting drain your monthly cash flow. Speak with Tagen today and map out your path to financial recovery.
Free 15-Minute Strategy Call : No Credit Card Required : 100% Confidential
Mandatory Consumer Protection & CROA Legal Disclosures
Right to Dispute Inaccurate Information Directly: You have a legal right under the federal Fair Credit Reporting Act (15 U.S.C. § 1681g) to obtain a disclosure of your credit file from any consumer reporting agency, and to dispute inaccurate or incomplete information directly with the credit bureaus (Equifax, Experian, TransUnion) completely free of charge. You also have the right to obtain a free credit report from each nationwide reporting agency annually via AnnualCreditReport.com. No individual or credit organization has the legal authority to remove accurate, verifiable, and timely negative information from your credit report.
Mandatory 3-Day Right of Cancellation (CROA Notice): Under the Credit Repair Organizations Act (15 U.S.C. § 1679d) and applicable Michigan consumer protection laws, you may cancel any contract or service agreement with SIMS Consulting LLC without any penalty, fee, or obligation whatsoever within three (3) business days from the date on which the contract is signed or executed. Cancellation notices may be submitted in writing via email or mail without forfeiture of funds.
Disclaimer: SIMS Consulting LLC is a Michigan-based financial and credit advisory consultancy. We do not provide legal counsel, debt settlement services, or financial bankruptcy representation. Results vary depending on verified individual credit profiles, lender underwriting criteria, and credit bureau response times. No outcome or credit score increase is guaranteed.
© 2026 SIMS Consulting LLC. All rights reserved. Michigan-based credit advisory & financial consulting.