Traditional "credit

repair" falls short:

Disputing “NEGATIVE ITEMS” Won’t Get You Approved

  • “Their ONLY Goal Is ”Fewer Negative Items”

  • "Fewer negative items" is NOT THE SAME as “Good Credit”

  • You May Still Get Denied For The Credit You Deserve

The REAL DEFINITION of "good" credit is the ability to get approved for what you need.

Unlock Your FULL FINANCIAL POTENTIAL with our Trusted, All-Inclusive, White-Glove Credit Management Program

Our goal isn't just to "clean up your credit report" – it's to help you move forward with credit confidence and a brighter financial future.

Restore your reputation

No Cookie-Cutter Disputes Here! If needed, our experienced team analyzes your credit report to determine the most appropriate challenges.

Full Legal Support

Each file gets a full review by our expert legal team to identify violations of FCRA, FDCPA, UCC, TILA, FCBA and many other State & Federal Consumer Codes. Violations are prepped for litigation.

"Never Denied
Again" Path

We know the approval requirements for EVERY credit card, so we can guide you to progressively better credit cards with higher limits, up to the premium reward cards with cash back, points and miles.

Realtor ready home program

Become as appealing as possible to mortgage lenders.

We prep our clients for the home-buying process, assist in controlling their debt-to-income ratio, researching financing choices, and identifying loan aid programs.

"Coast to Coast at No Cost" Path

Discover how to use credit card perks to get free flights, first-class upgrades, and complimentary hotel stays. Maximize your points to get the most out of your credit.

Business credit, Funding & Support

We help our clients turn their big idea into a thriving business, with aid in structuring and development and securing seed money of

$25,000 to $500,000.

Award-Winning Client Success Team

Get true 1-on-1 support from a dedicated Account Manager and never miss a beat with easy communication through our Secure Client Portal or Mobile App for your SmartPhone.

Ph.D in PersonaL Credit & Finance

We demystify credit and finances so when our clients graduate, they know EXACTLY how to properly build, protect, maintain and leverage their credit, FOR LIFE.

Get Your FREE Credit Analysis - Click HERE Now!

How it works?

01 Free Consultation

We assess your unique situation.

02 Customized Plan

We create a personal strategy tailored to your big picture vision.

03 Execution

We work on restoring your financial reputation AND moving forward with credit confidence.

04 Ongoing Support

We will walk with you through each step of your credit journey.

Get Your FREE Credit Analysis - Click HERE Now!

GET STARTED FOR $0

Pay Nothing For Up to 14 Days

(You Get to Pick Your First Payment Date Within That Range)

THE OTHER GUYS

“Traditional” Credit Repair

High Costs & Hidden Fees

$199 due at sign-up

$129/month

Pay more for fewer services

  • Custom Dispute Strategy

  • NO Attorney Reviews Each File

  • NO Premium Credit Card Ascension Program

  • NO Travel Bonus Strategies & Points

    Optimization Plan

  • NO RealtorReady® Home Purchase Program

  • NO $25,000 – $500,000 in Business Funding

  • One-size-fits-all dispute strategies

ROCKET

Total Credit Management

No Upfront Costs, More Savings

$0 due at sign-up

$125/month

Affordable pricing with premium services included

  • Custom Dispute Strategy: Targeted credit disputes for faster, lasting improvements.

  • Legal Review by Expert Attorneys: Thorough file reviews for maximum compliance and protection.

  • NeverDeniedAgain® Credit Card Program: Step-by-step guidance to secure premium cards with high limits, rewards, and cash-back.

  • Travel Rewards Optimization: Unlock travel perks like free flights, VIP lounge access, and more with expert points strategies.

  • RealtorReady® Home Buying Program: Comprehensive credit prep and guidance for homeownership.

  • $25K – $500K Business Funding Access: Strategic support to secure business financing, from microloans to corporate credit.from microloans to corporate credit.

Initial $125 first work fee due within 14 days, on the day you select. Additional months of service will also cost $125, beginning 30 days after the initial payment. You can cancel anytime.

Get Your FREE Credit Analysis - Click HERE Now!

Real Results: Our Client Success Stories

Sarah R. - From Denied to Homeowner

"Before Rocket Financial, I was constantly denied for loans. Less than a year later I have several new credit cards and I just bought my first home!"

Starting Credit Score: 547

Time to Achievement: 12 months

Major Milestone: Approved for mortgage

Kyle C. - Small Business Realized

"I thought my credit would prevent me from starting my business. Rocket not only overhauled my credit but also helped me secure a $50,000 business loan."

Starting Credit Score: 590

Time to Achievement: 10 months

Major Milestone: Secured business funding

Maria L. - From Subprime to Prime

"I was stuck with low-limit secured credit cards. Now, I have several high-limit, premium rewards cards and use my points for free travel."

Starting Credit Score: 607

Time to Achievement: 11 months

Major Milestone: Approved for 4 premium credit cards w $10,000 limits.

Callin F. - New Car & Amex

"Before Rocket Financial, I couldn't qualify for a USED car, but within just a few months I purchased a brand new car and was approved for an AMEX and a Chase card!"

Starting Credit Score: 480

Time to Achievement: 6 months

Major Milestone: Purchased brand new car

At Rocket Financial Services, we're proud of the trust we've built with our clients and the results we've achieved.

Don't just take our word for it - Expertise.Com has ranked Rocket Financial Services the Top Credit Management in Dallas for 2024.

Frequently Asked Questions

How Long Does The Program Last?

Rocket's average client is enrolled in our program for 12 months or more.

Rocket's Credit Management Program works in phases, similar to crawl, walk, run and fly. Each phase takes time and moves the client along the credit optimization process.

The first phase is the Dispute Phase (crawl), which works to remove any inaccurate, unverifiable information from your credit report and generally lasts about 6 months. This creates a baseline credit report containing only accurate information.

Next is the Never Denied Again Phase (walk) where we use our knowledge of the approval requirements for every credit card to help you get approved for progressively better and better credit cards, all the way up to the premium rewards cards with point bonuses, miles or cash back, beginning from your individual starting point after the Dispute Process.

Next are our Specialized Programs like our RealtorReady Homebuyer Program or our Business Blastoff Programs, based on the individual client.

We highly recommend that if you are looking for amazing results in 3 or 4 months, then please do not sign up with our program. WE GUARANTEE that you WILL NOT get the results you want if you are not willing to walk the program all the way out.

Do I Have To Have Items I Want Disputed To Enroll?

Not at all. We are not a traditional "credit repair" company whose only service is to send disputes.

Many of our clients do not have any items they want disputed and instead enroll in our Never Denied Again Program, RealtorReady Homebuyer Program or our Business Blastoff Program. We welcome clients at all different phases in their credit journey.

Why Is The Dispute Phase Only 6 Months Long?

When done correctly, legally and ethically, disputing items on a credit report is a complex process, but should not be a years-long struggle.

Unless a case needs to go to arbitration or litigation, then any factual, procedural or compliance error that can potentially remove an account from a credit report can be found and leveraged within a 5-6 month time frame. Certainly we have had outlier clients that needed several more months before the disputes were successful, but those are the exceptions.

We are not one of those traditional "credit repair" companies that will file unsuccessful disputes for years on end just to be able to collect their monthly fee from you.

Can You Remove All The Negative Items From My Credit Report?

Unfortunately, we would consuder any company that would claim they can do this to be a scam, and warn any consumer to actively avoid them.

Two problems: first, accounts don't get removed for being "negative"; in order for any account to be removed from your credit report, there needs to be a problem with the account information, either in the factual account data, the underlying compliance data or by way of a violation of a procedural process used by the creditor, reporting data furnisher or credit reporting agency. Any company who claims their services is to remove "negative information" from your credit report is dishonest, misrepresenting the dispute process, and should not be trusted.

Second, even by pursuing legitimate means to dispute the information you believe is questionable, very rarely will a client that have all of the disputed information removed.

BUT, that is not the end of the story for OUR clients.

We can still help our clients continue to add new lines of credit and build up to better and better approvals including high-limit credit cards or homeownership, even with some accounts on their credit report that might be considered "negative". We just have to help them build their credit around those potentially harmful accounts, and then keep building until those potentially harmful accounts are no longer hurting them.

Do You Guarantee My Credit Score Will Improve?

Absolutely not! Again, we would unfortunately consider any company making this claim to be a scam and should be avoided.

Here's the truth:

Your credit score is the product of a complex algorithm that is affected by several factors, and most of those are under your complete control, not ours. Little things you do can cause your credit score to drop despite any hard work we are putting in.

We could be working hard removing inaccurate information off of your credit report and helping you get approved for new lines of credit, but if you are increasing the balances on your credit cards or making your payments late, your credit score is going to drop, and that has nothing to do with the work we are doing.

Here's another news flash: removing potentially harmful accounts through the dispute process may or may not increase your credit score 🤯 It's true. Think about it: if you dispute all or most of the accounts on your credit report and they all get deleted, then you are only left with a very thin credit profile and a low score, or maybe even no score at all.

Remember, the goal is not just to "remove negative information" or to "increase your score". The goal is to help you to confidently move forward with your credit, no matter your starting point, and over time help you end up at a place where you can better manage the credit system. This is not a short sprint; this is the long game.

Ready to write your

own success story?

Don't settle for just credit repair. Choose Rocket Financial Services for real, lasting credit improvement.

Get Your FREE Credit Analysis - Click HERE Now!