Credit Consulting Programs

Serenity Consulting Group provides credit education and consulting services designed to assist clients in reviewing and addressing information contained within their credit reports. Our services focus on identifying items that may be inaccurate, outdated, incomplete, or unverifiable in accordance with the Fair Credit Reporting Act (FCRA) and other applicable consumer protection laws.

We do not remove accurate or legally reported information. Outcomes vary based on individual credit profiles and responses from creditors and credit reporting agencies.

Items that may be reviewed and addressed include, but are not limited to:

• Late payment reporting

• Collection accounts

• Charge-offs

• Hard inquiries

• Inaccurate or outdated personal identifying information

• Student loan reporting discrepancies

• Repossessions*

• Evictions*

• Bankruptcies*

• Foreclosures*

• Judgments, including child support reporting*

*Certain account types may require extended timeframes depending on the complexity of the account and the verification process of the reporting creditor or bureau.

Service Structure & Payment Options

Serenity Consulting Group offers flexible service arrangements, including full payment, split payment, and monthly installment plans. All services are governed by a written service agreement outlining scope of work, timelines, and client responsibilities.

Clients acknowledge that Serenity Consulting Group does not control credit bureaus, creditors, or collection agencies and cannot guarantee the removal of any specific item or a particular credit score outcome.

Important Disclosure

Serenity Consulting Group is not a law firm, credit bureau, or government agency. We provide credit education and consulting services only. Results vary based on each client’s unique credit profile and creditor responses. No guarantees of outcomes or timeframes are expressed or implied.

Begin Your Credit Journey

Our services are designed to support clients seeking financial stability, including goals such as homeownership, vehicle financing, business or personal funding, and long-term financial wellness.

Clients are encouraged to review all service terms carefully prior to enrollment.