How much does credit repair cost?

Hi Score Financial offers affordable monthly payment plans. Specific pricing is outlined in your individual service agreement after your free credit evaluation.

How long does it take to see results?

Most clients see their first results within 30-45 days. The full credit repair process typically takes 3-6 months depending on complexity.

What kind of business funding do you offer?

We provide access to up to $5 million in business capital through lines of credit, term loans, SBA lending, and high-limit business credit cards with 0% introductory interest rates.

What makes Hi Score Financial different?

Hi Score Financial is veteran-owned and offers comprehensive financial services under one roof — credit repair, business credit, funding, LLC formation, tradelines, tax help, trust assistance, and insurance.

Insider Knowledge

The Dr. Credit Blog

Real strategies. Myth-busting insights. The kind of credit knowledge that only comes from years of hands-on experience in the trenches.

Featured

The Tradeline Truth: Why Authorized User Accounts Aren't a Magic Bullet

8 min readIndustry Myths

Everyone is talking about buying tradelines to instantly boost their credit score. While authorized user accounts can provide a temporary lift, they are not the magic bullet most 'credit gurus' claim them to be. Here is the unvarnished truth about tradelines, what they can actually do for your profile, and why they should never replace a solid credit foundation.

April 20, 2026Read Article

Industry Myths6 min read

The 30% Utilization Myth: Why Most Advice Is Wrong

Almost everywhere you look, you'll hear to keep your balances at 30%. The truth? You should be aiming for 0% reported utilization, paying more often, and never exceeding 20%. Here's why the conventional wisdom is costing you points.

April 12, 2026Read Article

Credit Repair8 min read

Your Credit Profile Matters More Than Your Score

Everyone obsesses over the number. But lenders look at the full picture: your profile strength, account mix, history depth, and utilization patterns. Learn what actually gets you approved.

April 19, 2026Read Article

Business Credit10 min read

Building Business Credit: The Foundation Most People Skip

Before you apply for business funding, you need a properly structured business credit profile. DUNS, Paydex, vendor accounts. Here's the step-by-step process we use with every client.

April 26, 2026Read Article

Financial Strategy5 min read

Why Flat Rate Credit Repair Changes Everything

The monthly billing model in credit repair creates a conflict of interest. The longer your case takes, the more the company earns. We built a different model, and here's why it works better for you.

May 3, 2026Read Article

Credit Repair7 min read

Consumer Credit Rights You Didn't Know You Had

The Fair Credit Reporting Act gives you more power than most people realize. Understanding your rights is the first step to taking control of your credit. Here's what every consumer should know.

May 10, 2026Read Article

Financial Strategy9 min read

Credit After the Military: A Veteran's Guide

Transitioning out of the military comes with unique credit challenges. VA loans, no civilian credit history, and a system that wasn't designed for your situation. Here's how to navigate it.

May 17, 2026Read Article

Credit Education11 min read

Understanding Your 3-Bureau Credit Report: What It Is, What's On It, and Why It Matters

Your credit report isn't just a number. It's a detailed financial biography maintained by three separate companies. Learn what Equifax, Experian, and TransUnion actually track, how to read your reports, and why the differences between them can make or break your next approval.

April 19, 2026Read Article

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