Complete Financial Solutions Under One Roof
From credit repair to business building, tax help to trust formation — we provide every service you need to achieve your financial goals.
Personal Credit Repair
Most PopularOur comprehensive credit repair service goes beyond generic dispute letters. We analyze every line of your credit report, develop a custom strategy, and fight to remove inaccurate, unfair, or unverifiable items from all three bureaus. We guarantee we work until it's done.
- Comprehensive 3-bureau credit analysis
- Custom dispute strategy development
- Direct creditor negotiations
- Goodwill letter campaigns
- Real-time progress tracking via portal
- Ongoing credit education & coaching
- Flat rate option — work until completion
- Only charge more if new negatives appear
Comprehensive 3-bureau credit analysis
Custom dispute strategy development
Direct creditor negotiations
Goodwill letter campaigns
Real-time progress tracking via portal
Ongoing credit education & coaching
Business Credit Program
PopularBuild a powerful business credit profile from the ground up. We handle everything from DUNS registration and Paydex score building to vendor credit lines and business funding pre-qualification. Your business deserves real credit power.
- Business credit profile setup & optimization
- DUNS number registration
- Paydex score building strategy
- Vendor credit line applications
- Business bank account guidance
- Corporate compliance setup
- Business funding pre-qualification
- Flat rate depending on services needed
Business credit profile setup & optimization
DUNS number registration
Paydex score building strategy
Vendor credit line applications
Business bank account guidance
Corporate compliance setup
LLC Formation & Aged Shelf Corporations
Ready to start your business or need an established entity? We handle full LLC formation from scratch — registration, EIN, and compliance. For business owners who require established corporate history to qualify for specific funding opportunities, Hi Score Financial offers aged shelf corporations available for purchase. These entities provide the seasoning and credibility that lenders look for, giving you a strategic advantage in the funding process.
- New LLC formation & registration
- EIN (Tax ID) application
- State compliance & filing
- Aged shelf corporations for purchase
- Corporate seasoning for funding qualification
- Operating agreement preparation
- Business credit profile setup
- Ongoing compliance support
New LLC formation & registration
EIN (Tax ID) application
State compliance & filing
Aged shelf corporations for purchase
Corporate seasoning for funding qualification
Operating agreement preparation
Business Funding & Capital Solutions
Hi Score Financial provides access to up to $5 million in business capital through lines of credit, term loans, SBA lending, and all forms of traditional business financing. We also specialize in helping business owners secure high-limit business credit cards that do not report to your personal credit profile, with a strategic focus on obtaining 0% introductory interest rates.
- Up to $5M in lines of credit & term loans
- SBA lending & traditional business financing
- High-limit business credit cards (0% interest focus)
- Cards that don't report on personal credit
- Revenue-based financing options
- Equipment & working capital loans
- Real estate investment loans
- Strategic funding consultation
Up to $5M in lines of credit & term loans
SBA lending & traditional business financing
High-limit business credit cards (0% interest focus)
Cards that don't report on personal credit
Revenue-based financing options
Equipment & working capital loans
Tradelines
RecommendedAuthorized user tradelines can give your credit profile a significant boost. We connect you with seasoned tradelines through our trusted supply partners that can help improve your credit score and credit history fast.
- Seasoned authorized user tradelines
- Credit profile analysis & matching
- Strategic tradeline placement
- Score improvement projections
- Multiple bureau reporting
- Ongoing monitoring & support
- Compliance with all regulations
- Transparent pricing & timelines
Seasoned authorized user tradelines
Credit profile analysis & matching
Strategic tradeline placement
Score improvement projections
Multiple bureau reporting
Ongoing monitoring & support
Tax Solutions with MTO Accounting
Hi Score Financial has partnered with MTO Accounting to provide our clients with expert tax services. From tax preparation and filing to strategic tax planning and optimization — our partnership ensures you receive top-tier CPA guidance.
- Personal tax preparation & filing
- Business tax returns (LLC, S-Corp, C-Corp)
- Tax planning & optimization strategy
- Quarterly estimated tax guidance
- IRS correspondence & resolution
- Bookkeeping recommendations
- Audit support & representation
- Year-round CPA access
Please enter "Hi Score Financial" as your referral partner when booking.
Personal tax preparation & filing
Business tax returns (LLC, S-Corp, C-Corp)
Tax planning & optimization strategy
Quarterly estimated tax guidance
IRS correspondence & resolution
Bookkeeping recommendations
Trust Assistance
Protect your assets and plan your legacy with professional trust formation and estate planning guidance. We help you structure your wealth to ensure your family and business are protected for generations.
- Living trust formation
- Asset protection strategies
- Estate planning guidance
- Trust administration support
- Beneficiary designation review
- Business succession planning
- Wealth transfer optimization
- Ongoing trust maintenance
Living trust formation
Asset protection strategies
Estate planning guidance
Trust administration support
Beneficiary designation review
Business succession planning
Insurance Solutions
Protect what you've built — and the people who matter most. Hi Score Financial offers a full range of life insurance and business insurance solutions. Whether you need whole life, term life, universal life, or business coverage, we'll match you with the right policy for your goals and budget.
- Whole life insurance
- Term life insurance
- Universal & variable life insurance
- Final expense / burial insurance
- General liability insurance
- Professional liability (E&O)
- Commercial property & auto insurance
- Workers' compensation & umbrella policies
Whole life insurance
Term life insurance
Universal & variable life insurance
Final expense / burial insurance
General liability insurance
Professional liability (E&O)
ChexSystems Removal & Banking Solutions
Been denied a bank account? Flagged in ChexSystems or EWS (Early Warning Services)? You're not alone — and it's fixable. Hi Score Financial helps clients dispute inaccurate or outdated records, negotiate with reporting institutions, and get back into the banking system. Whether you've had accounts closed involuntarily, have unpaid bank fees reporting, or were flagged for suspected fraud you didn't commit, we know how to fight it.
- ChexSystems report review & dispute filing
- EWS (Early Warning Services) dispute assistance
- Involuntary account closure resolution
- Unpaid bank fee negotiation & removal
- Fraud flag disputes & identity verification
- Second-chance banking account guidance
- Direct negotiation with reporting banks
- Full banking access restoration strategy
ChexSystems report review & dispute filing
EWS (Early Warning Services) dispute assistance
Involuntary account closure resolution
Unpaid bank fee negotiation & removal
Fraud flag disputes & identity verification
Second-chance banking account guidance
Debt Settlement & Lawsuit Defense
NewIf you've been served with a debt lawsuit, don't panic — and don't ignore it. Hi Score Financial guides you through the entire process to get your debt dismissed, reduced, or settled for the lowest possible amount. We are not attorneys, but we help you navigate the system yourself and save thousands in legal fees. Starting at $1,000 with payment plans available.
- Full review of your serving documents
- Analysis of how you were served (mail, in-person, substituted)
- Hardship assessment & financial situation review
- Strategy development for your specific case
- Guidance on court filings & responses
- Negotiation strategy for settlement offers
- Step-by-step process guidance through resolution
- Payment plans available — starting at $1,000
Upload your documents for a personalized quote
Full review of your serving documents
Analysis of how you were served (mail, in-person, substituted)
Hardship assessment & financial situation review
Strategy development for your specific case
Guidance on court filings & responses
Negotiation strategy for settlement offers
ChexSystems vs. EWS (Early Warning Services)
Two separate systems that can block you from banking. We dispute both.
ChexSystems
Owned by Fidelity National Information Services
~9,000 banks and credit unions nationwide
Checking & savings account history, overdrafts, bounced checks, account closures, fraud reports
Negative information stays for 5 years
Consumer Debit Report score (100–899, higher is better)
Free annual report at chexsystems.com
Denied checking/savings accounts at most major banks
EWS (Early Warning Services)
Owned by Bank of America, JPMorgan, Wells Fargo & others
Major banks (Chase, BofA, Wells Fargo, US Bank, PNC, etc.)
Account abuse, suspected fraud, identity verification failures, transaction patterns
Negative information stays for 7 years
No public score — banks see a risk flag (pass/fail system)
Free report at earlywarning.com (less well-known)
Denied at big banks even if ChexSystems is clean
Key Differences at a Glance
| Category | ChexSystems | EWS |
|---|---|---|
| Record Duration | 5 years | 7 years |
| Scoring | 100–899 score | Pass/Fail flag |
| Dispute Process | 30-day investigation | 30-day investigation |
| Coverage | ~9,000 institutions | Big 4 banks + others |
| Primary Focus | Account mismanagement | Fraud & identity risk |
| Consumer Awareness | Well-known | Often overlooked |
Not sure which system is blocking you?
We pull and review both reports during your consultation. Many clients are flagged in one or both without knowing it.
Get Both Reports Reviewed FreeChexSystems FAQ
Everything you need to know about ChexSystems, how it affects your banking, and how we can help.
We'll review your situation and give you a clear action plan — no obligation.
Service & Pricing Overview
All pricing is estimated. Final pricing is customized during your free consultation.
| Service | Starting Price | Badge | Details |
|---|---|---|---|
| Personal Credit Repair | $500/mo | Most Popular | View |
| Business Credit & Funding | $1,000/mo | Popular | View |
| Business Funding | $1,000+ | View | |
| LLC Formation | $500+ | View | |
| Tradelines | $600+ | Recommended | View |
| ChexSystems Removal | $500+ | View | |
| Debt Settlement & Lawsuit Defense | $1,000+ | New | View |
| Tax Solutions (CPA) | Varies | View | |
| Trust Assistance | Varies | View | |
| Insurance | Varies | View |
Payment plans available on all services. Bundle discounts when combining multiple services.
Book Free Consultation for Custom QuoteInvestment in Your Future
All pricing is estimated. Final pricing is customized during your free consultation based on your specific needs.
Personal Credit Repair
Rebuild your personal credit with our proven system
- Comprehensive 3-bureau analysis
- Custom dispute strategy
- Direct creditor negotiations
- Client portal access
- Flat rate option available
- We work until it's completed
Business Credit & Funding
Build business credit and access up to $5M in capital
- Up to $5M in business capital
- 0% interest business credit cards
- Cards don't report on personal credit
- LLC formation or aged shelf corp
- DUNS & Paydex score building
- Flat rate depending on services
Additional services (tradelines, ChexSystems removal, tax help, trust assistance, insurance) are priced separately during your consultation. Bundle discounts available.
Earn With Our Sales Program
Are you a real estate agent, auto dealer, mortgage broker, or financial professional? Partner with Hi Score Financial and earn generous commissions for every client you refer. Our team handles everything — you just make the introduction.
Pull Your Credit Report for $1
Before we build your strategy, we need your full 3-bureau credit report. Get your Equifax, Experian, and TransUnion scores instantly for just $1 with a 7-day trial.
Get Your $1 Credit Reportvia highscorenow.com — 7-day trial, cancel anytime
Not Sure Where to Start?
Book a free consultation and we'll help you determine which services are right for your situation. All pricing is customized to your needs.
Book Free Consultation