CREDIT REPAIR · SERVING CLIENTS NATIONWIDE
We review all three of your credit reports, find items that are inaccurate, outdated or unverifiable, and dispute them with the bureaus and creditors for you. Then we track every response so you always know where your file stands.
Free 15-Minute Consultation · Written Pricing Up Front · No Long-Term Contracts
FREE 15-MINUTE STRATEGY SESSION
Take The First Step
Speak directly with Tagen Sims to review your situation, identify potential disputes, and outline a clear next-step plan toward stronger credit.
- Direct 1-on-1 analysis with Tagen Sims
- Clear breakdown of inaccurate bureau marks and next steps
- Transparent pricing options with 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.
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
WHAT'S INCLUDED
Credit Repair, Done Right
A clear, organized dispute process built around your actual reports, not a one-size-fits-all template.
01
Three-Bureau Review
A line-by-line review of your Equifax, Experian and TransUnion reports to spot errors and outdated items.
02
Dispute Preparation
Written disputes for items that are inaccurate, incomplete, outdated or can't be verified.
03
Creditor Follow-Up
Validation and correction requests sent directly to creditors and collectors when it makes sense.
04
Response Tracking
Every bureau response is logged, and the next round is planned around what comes back.
05
Score-Building Guidance
Simple steps on utilization and payment history so your score keeps improving while disputes run.
06
Updates From Tagen
Regular check-ins so you're never left wondering what's happening with your file.
Who This Is For
- Late payments or balances reported incorrectly
- Collections or accounts you don't recognize
- Duplicate accounts or mixed-up personal info
- Items from identity theft
- Negative items past their reporting period
- Hard inquiries you didn't authorize
Good to Know
We can't remove accurate, timely information, and nobody can legally promise a specific score increase. Our job is to make sure what's on your report is correct and fair.
You always have the right to dispute items with the bureaus yourself, for free. Clients hire us for organized preparation and follow-up.
Book Free ConsultationSTEP 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.
SIMPLE, HONEST PRICING
Honest, Upfront Pricing
Every credit file is different, so we start with a free consultation. After your call, you'll get your exact pricing in writing before you pay anything.
- Free 15-minute consultation
- Exact pricing in writing before you pay
- No long-term contracts or monthly traps
Free Consultation • No Obligation • No Credit Card Required
STEP 1: FREE CONSULTATION
Priced to Your File
Your price depends on what is in your credit file
Your exact price is set in writing after your free consultation, with no monthly charges and no surprise fees.
- Review of all three credit reports
- Tailored Action Plan for Inaccurate & Outdated Items
- Direct Formal Dispute Preparation & Bureau Submissions
- Regular progress updates from Tagen
- Exact pricing in writing before you pay
Want to try it yourself first? Read our step-by-step guide: How to Dispute an Error on Your Credit Report in Michigan.
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 does it take to hear back from the credit bureaus?
Most clients see their first bureau responses within 30 to 90 days. The credit bureaus generally have 30 to 45 days to investigate each dispute, so timing depends on your file.
How much does the service cost, and are there upfront fees?
Programs typically range from $350 to $750 depending on your credit file. Your consultation is free, and you'll get your exact pricing in writing before you pay anything.
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.
What can Sims Consulting Co. legally promise regarding my credit score?
We cannot guarantee a specific credit score increase or the removal of accurate information. You always have the right to dispute inaccurate information yourself for free, and we work to help you challenge inaccurate, outdated, or unverifiable items through the dispute process.
Can I dispute inaccurate items on my credit report on my own?
Yes. Federal law provides every consumer the right to dispute incomplete or inaccurate items directly with Equifax, Experian, and TransUnion without hiring a third party. Our clients choose us for organized dispute preparation and follow-up.
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.