360 Credit Solutions challenges inaccurate, outdated and unverifiable items on your reports, then builds the profile lenders want to see, so you can secure $10K to $250K in personal or business funding.
Illustration only. Individual results vary.
Whether you’re fixing your credit or raising capital to grow a business, you get one team handling the whole picture: your reports, your profile and your funding.
We review every account on your reports and challenge items that are inaccurate, outdated or unverifiable, using the rights federal consumer law gives you.
Strategic credit stacking, term loans and more, matched to real lenders, even if you’re just getting started.
$10,000 – $250,000Sit down with Chris for a personalized roadmap built around your credit and funding goals for the year ahead.
A clear path with no guesswork. You’ll know what we’re disputing, why, and what comes next.
We talk through your goals, whether that’s a home, a car, or capital for your business.
You enroll in credit monitoring so we can see all three bureaus side by side.
We pinpoint factual errors on each report and send targeted disputes backed by consumer law, round by round.
Once your profile is strong, we position you for the right personal or business funding.
“Credit is more than a score. It’s a tool for transformation.”
Founded by Chris Heard, 360 Credit Solutions helps individuals and entrepreneurs take control of their financial future through expert credit consulting, strategic funding and real education. Our mission is simple: educate, restore and empower. We’re not just here to improve numbers. We’re here to change lives.
View certificates →Chris holds three professional certifications from the CCA board, each earned by completing their training and showing proficiency in credit restoration and score improvement.
Credit restoration and credit score improvement strategies
Credit score models and optimization strategies
Credit repair and improvement strategies
“I thought fixing my credit would take years, but 360 Credit Solutions changed everything. My score jumped over 100 points and I got approved for a $25K business credit card. This isn’t just credit repair. It’s real transformation.”Jason M. · Small business owner
Real clients, real approvals. Homes, cars and trucks our clients drove away with after rebuilding their credit with us.
New homeShoutout to my credit guy Chris Heard for putting me in the right direction to make this happen.
If you’re credit down bad, he gone get it right.
Approved
ApprovedEvery client plan begins with 3-bureau credit monitoring. Enroll through our MyFreeScoreNow partner link so we can review your reports together at your consultation.
Straight answers before you book. Anything else, just call the office.
Most clients see changes within the first 30 to 90 days. Every file is different, and the timeline depends on what’s on your reports and how the bureaus and creditors respond.
Factual disputing means challenging specific errors on your report, like wrong balances, dates, account status or accounts that aren’t yours. Under the Fair Credit Reporting Act (FCRA), the bureaus must investigate and correct or remove information they can’t verify. The Fair Debt Collection Practices Act (FDCPA) also gives you rights when dealing with debt collectors.
No one can legally remove accurate, verifiable information. We focus on items that are inaccurate, outdated or unverifiable, and on building positive credit going forward.
Yes. We help entrepreneurs build business credit profiles and prepare for funding from $10,000 to $250,000, whether the business is brand new or established.
Ready to repair your credit, build business credit or secure funding? Book a free consultation or send us a message.
We reply within one business day.