Al Maddin · November enrollment

I’m not your typical credit guy.

Q: Can you remove accurate information?

We dispute items that are inaccurate, unverifiable or reported incorrectly. We can't promise any specific deletion or score.

No hype. No guarantees. Just the stuff that actually gets you approved, handled by me for a handful of clients at a time.

Most files I take on see results in 7 to 14 business days. Some take longer, and I’ll tell you up front if yours will.

10 November spots openEquifax +171 · now 758TransUnion +112 and Equifax +80 in one updateFrom the 400s to pre-approved for a $375,000 home4 Dept. of Education accounts deletedNavy Federal deletedBMW Financial deletedEquifax +151 · Experian +13210 November spots openEquifax +171 · now 758TransUnion +112 and Equifax +80 in one updateFrom the 400s to pre-approved for a $375,000 home4 Dept. of Education accounts deletedNavy Federal deletedBMW Financial deletedEquifax +151 · Experian +132

01 · YOU

Which of these sounds like you?

Here’s what that’s costing you.

02 · THE COST

What your credit is costing you.

$40,000

60 months

$15,000$120,000

Your score range

$1,082/mo

Under 580 · 21%

$792/mo

700+ · 7%

That’s $17,405 more over 60 months.

Estimates only. Real rates depend on the lender and your full file.

So why hasn’t it been fixed yet? Because nobody tells you this.

03 · THE TRUTH

What they don’t tell you.

A higher score isn’t an approval.

Lenders also look at income, debt-to-income, utilization and recent inquiries. I plan for all of it.

“$150K in business funding” often means stacked credit cards you personally guarantee.

Great with a plan. A trap without one.

Deleted accounts can come back.

If nobody’s watching for reinsertion, you end up where you started.

Paying a collection doesn’t remove it.

It can sit on your report for years.

Anyone guaranteeing deletions isn’t being straight with you.

I don’t make promises. I show you what I’ve done.

I’m the guy who will.

Al Maddin standing by a window in a blue denim set

04 · ME

If I can’t help you, I’ll tell you.

I’m not a guru, and I’m not selling a lifestyle. I’m a regular guy who learned how credit and lending actually work.

I got tired of watching people pay for hype, so I keep the list small and work every file myself.

Here’s how it works.

05 · THE PLAN

How it works.

Fix

Collections, charge-offs, late payments and student loans, disputed the right way across Experian, Equifax and TransUnion.

ii.

Fund

Know your real odds before a hard pull, then apply with lenders who actually fund.

iii.

Own

Homes. Cars. Businesses. Getting to the closing table is the whole point.

Don’t take my word for it.

Al Maddin sitting on the tailgate of a Cybertruck

06 · THE PROOF

See for yourself.

See hundreds more on Instagram →

Results like that don’t come cheap.

07 · THE PRICE

Not the cheapest.
On purpose.

My prices are higher than average.

A lot of monthly programs bill you for as long as it takes. I’d rather fix it.

Here’s what that pays for:

Only 10 clients a month. Your file gets my time.

I work your file myself. No call center, no templates.

You text me directly.

An honest timeline up front. Most files move in 7 to 14 business days.

The plan goes past the score, all the way to the approval.

Still have questions? Fair enough.

08 · QUESTIONS

Questions.

How long does it take?

Every file is different. Most files I take on move in 7 to 14 business days. Some take longer, and I’ll tell you up front if yours will. No timeline is guaranteed.

Can you remove accurate information?

No. I dispute items that are inaccurate, unverifiable or reported incorrectly, and I can’t promise any specific deletion or score.

Do I have to pay to apply?

No, applying is free.

Your move.

09 · YOUR MOVE

Ready? Apply for a spot.

10 November spots open

Applying is free. It takes two minutes. If it’s a fit, I’ll reach out personally.

Not ready for a spot? Start here.

10 · ON YOUR OWN

Do it yourself, the right way.

Two field guides from my own playbook. The first shows you how to check your approval odds before a hard inquiry touches your report. The second maps 17 banks and credit unions that fund businesses quietly.

Field Guide Bundle covers: Check Before You Apply and Off the Radar

The bundle

Check It. Fund It.

Both field guides, 33 pages. Instant PDF download.

$47$54

You save $7

Get both for $47

Field Guide 01

Check Before You Apply

19 cards, lines and loans with soft-pull pre-qualification
The 5-step order I use to apply

$27

Get this guide

Field Guide 02

Off the Radar

17 banks and credit unions for business credit, in three tiers
The 4-step Ready Check before you spend an inquiry

$27