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CEO CREDIT CLUB
Credit Strategy & Financial Organization - A Service of HB
- Est. Knoxville
- CREDIT STRATEGY FOR ENTREPRENEURS
Your credit, working for you.
CEO Credit Club is the credit strategy arm of HB. Honest credit work, real financial organization, and an integrated approach that connects your credit profile to the rest of your financial life — your taxes, your books, your business. Education-driven, ongoing, and never built on promises we can't keep.
3
BUREAU COVERAGE
EA
ENROLLED AGENT LED
10+
YEARS IN PRACTICE
HB
INTEGRATED ECOSYSTEM
TN
TENNESSEE LICENSED
- THE PHILOSOPHY
Credit work, done with integrity.
The credit industry is full of promises that can't be kept. CCC was built on a different premise — that real credit work is education, strategy, and patience.
The credit industry has a reputation problem.
Most of what people call "credit repair" deserves the skepticism it gets. The promises are unrealistic. The fees are aggressive. The work is often boilerplate. And the people who need real credit help are the ones most often taken advantage of.
CCC was built differently. We treat credit as one connected piece of your overall financial life — not as an isolated service we sell you on. We're an Enrolled Agent-led practice, which means we approach credit the same way we approach taxes: with structure, with honesty, and with a long view.
We never promise specific credit score outcomes. No legitimate provider can. What we promise is structured, honest work — accurate dispute strategy where it's warranted, real education on what moves scores, and a clear plan toward the financial position you're working toward.
If you've been burned by the credit industry before, that skepticism is earned. We hope to be the practice that shows you what credit work should actually look like.
- THE GATEWAY
Not sure yet? Start here.
For people who don't know if they need credit repair, are weighing whether bankruptcy is the right path, or just want a real professional to look at what's actually happening on their reports.
-A Service of CCC
The Credit Analysis
A 60 minute professional review of your full credit picture, with a written gameplan to take with you.
INVESTMENT
$179
ONE-TIME · IN-PERSON OR ZOOM
CREDIT TOWARD ENROLLMENT
The full $179 credits toward your Credit Foundation, Strategy, or Full Organization enrollment within 14 days.
- WHAT'S INCLUDED
A complete professional review, not a sales call.
Most "free credit consultations" are sales calls in disguise. This is different. You're paying for a real professional review with real outcomes — whether or not you ever enroll in credit repair with us.
◆ Full review of all three credit bureau reports
◆ Identification of items that are accurate, inaccurate, or outdated
◆ Specific recommendations: dispute, dispute strategically, leave alone, or focus elsewhere
◆ Discussion of whether credit repair is the right path or if another option (bankruptcy, settlement, payment focus) is more appropriate
◆ A written gameplan you take with you
◆ Honest answer to "do you actually need our services or can you handle this yourself"
If after the analysis you decide to enroll in any of our credit engagements within 14 days, the full $179 credits toward your enrollment — making the analysis essentially free. If you decide not to enroll, you still leave with a real plan and real clarity. Either way, you've got what you came for.
Credit monitoring access is required before your Credit Analysis — see the next section for sign-up details. Monitoring is required for active Tier i and Tier ii clients; included free in Tier iii.
- BEFORE YOU BEGIN
Credit monitoring.
The piece most credit shops skip past — and the piece that makes everything else work properly. Setting up monitoring is the first real step in working with us.
Why monitoring is part of the work.
To do any real credit work — whether that's our paid Credit Analysis or any of our ongoing engagements — we need to see what's actually on your reports. Credit monitoring is the access point.
We partner with IdentityIQ to give our clients monitoring access at a structured trial rate. The first 7 days are $1. After that, monitoring continues at approximately $26/month — and you have ongoing visibility into your credit, alerts when things change, and a baseline to track over time.
For Credit Analysis clients: Sign-up happens before your scheduled session so we have access to review your reports during our conversation. The Credit Analysis cannot be completed without it.
For Credit Consultation clients: Sign-up is recommended but optional for the free 15-minute fit check. The conversation is more useful if we have access.
For Tier i and Tier ii clients: Active credit monitoring is required throughout your engagement so we can do the work. You maintain your own subscription via our partner link — typically about $26/month after the trial period.
For Tier iii (Full Financial Organization) clients: Monitoring is included as part of your engagement — no separate ongoing cost during the time you're enrolled at this tier.
- Get Started
Set up your credit monitoring.
Two minutes to sign up. Required before your Credit Analysis or ongoing tier engagement.
7-DAY TRIAL
$1
TIER I & TIER II CLIENTS
approx. $26/mo
TIER III CLIENTS
Included
Opens in a new tab · IdentityIQ secure signup
◆ $1 seven-day trial· Standard introductory access for the first week
◆ ~$26 per month after· Required for active Tier i and Tier ii clients to maintain
◆ Included in Tier iii· Free for Full Financial Organization clients
◆ Cancel anytime· Including during the 7-day trial if it isn't the right fit
HB receives a small affiliate commission if you maintain your monitoring subscription. We disclose this because we believe in transparency about how the practice operates. Even with that disclosure, monitoring is a standalone valuable service that we'd recommend regardless of any partnership arrangement.
- THE WORK
What we actually do.
The structural pieces of credit and financial organization — handled with the same care we bring to the rest of your financial life.
-01
Comprehensive Credit Review
Full review of all three credit bureau reports — Experian, Equifax, TransUnion. We identify inaccuracies, outdated information, and items genuinely warranting dispute. You receive a written analysis with a clear plan.
-02
Strategic Dispute Work
For items that warrant dispute, we structure your disputes carefully and accurately — not boilerplate templates. Every dispute is researched, documented, and tracked through resolution.
Learn more →
-03
Credit Education & Strategy
The piece most credit companies skip entirely. We teach you how credit actually works — utilization, account age, mix, payment history — so you can make informed decisions long after our engagement ends.
Learn more →
-04
Business Credit Foundation
For entrepreneurs ready to build credit in their business's name. Proper entity setup, business credit bureau registrations, vendor accounts, and structured profile development.
Learn more →
-05
Borrowing & Lender-Readiness Strategy
When you're preparing for a meaningful financing decision — business loan, line of credit, real estate, vehicle, expansion — we help structure your profile and prepare your documentation to position you as a strong candidate.
Learn more →
-06
Ongoing Monitoring & Guidance
Credit work isn't one-and-done. Monthly monitoring, quarterly reviews, and ongoing guidance as your financial life evolves — so the work we've done together compounds over time.
Learn more →
- THE INTEGRATED DIFFERENCE
Credit work that connects to everything else.
Most people get their credit work done by one provider, their taxes done by another, their bookkeeping done by a third, and their financial advice done by a fourth — none of whom talk to each other. Important pieces fall through the cracks.
CCC sits inside the HB ecosystem. That means your credit work is informed by your tax picture, your bookkeeping is set up to support your credit goals, and your business filings are aligned with the credit profile you're building.
Credit doesn't live in isolation. Your debt is a tax question. Your business filings are a credit question. Your bookkeeping is the foundation under both. We handle the whole picture because the whole picture is what actually moves your financial life forward.
Clients who work with us on credit often also engage us for tax strategy, bookkeeping, or business systems. We make that easy — one team, one set of records, one strategy.
- AN HONEST NOTE
What we will and will not promise.
Anyone in the credit industry promising you a guaranteed score increase, a specific timeline, or a specific outcome is either misinformed or being dishonest. Credit bureaus respond to disputes based on the actual facts of each item — not based on how good a credit company's marketing is.
Here's what we can and do promise: we will review your full profile carefully, identify what genuinely warrants dispute, structure that work accurately, educate you on what actually moves scores, and stay with you through the process. We will give you honest timelines based on what we see, not marketing timelines based on what sells.
What we cannot promise: a specific number, a specific timeline, or that every item you'd like removed will be. Credit work is real work — and real work has variability.
If you've made it this far in reading this and you're nodding along instead of looking for someone who'll make bigger promises, you're our kind of client.
- INVESTMENT
Three ways to work with us.
Each tier includes the same core methodology — full bureau review, structured dispute work, and real education. What scales is the depth of engagement and the level of ongoing support.
-Tier i
Personal Credit Foundation
Full personal credit work with iterative disputes and education.
From $497
SETUP + $179/MO
◆ Full three-bureau credit review
◆ Written profile analysis & plan
◆ Full iterative dispute work (all rounds until resolved)
◆ Credit education sessions
◆ Monthly progress check-in
◆ Email support
◆ Client maintains active credit monitoring
-Tier ii
Strategic Credit Engagement
Personal + business credit with lender-readiness and quarterly strategy.
From $797
SETUP + $297/MO
◆ Everything in Personal Credit Foundation
◆ Business credit foundation building
◆ Lender-readiness preparation
◆ Proactive credit-building strategy
◆ Quarterly strategy sessions (60 min)
◆ Priority response & direct access
◆ Client maintains active credit monitoring
-Tier iii
Full Financial Organization
Credit work as part of complete financial structure.
Starting $797
MONTHLY ALL-INCLUSIVE ENGAGEMENT
◆ Everything in Strategic Credit Engagement
◆ Monthly bookkeeping included
◆ Business filings handled
◆ Quarterly tax planning
◆ Full HB ecosystem integration
◆ One coordinated team for all your financial work
◆ Credit monitoring included
- HOW WE BEGIN
From first call to first results.
Every credit engagement follows the same structured approach — designed for clarity, honesty, and zero surprises.
- Step 01
Consultation
A 15-minute conversation. You tell us where you are and what you're working toward. We listen, ask honest questions, and tell you whether we're the right fit.
- Step 02
Profile Review
Once engaged, we pull and review all three credit reports. You receive a written analysis with specific items identified, expected outcomes, and a clear plan.
- Step 03
The Work
Structured dispute work, education sessions, and ongoing strategy. We track every item, communicate updates honestly, and adjust as we learn what's working.
- Step 04
Ongoing Partnership
Credit work compounds over time. We stay with you with monthly monitoring, quarterly reviews, and ongoing guidance as your financial life evolves.
- COMMON QUESTIONS
Frequently asked.
Schedule a structured consultion. We'll listen, ask the right questions,
and tell you exactly what we'd do if your business were ours.
Is this credit repair?
We do credit work, but we approach it as part of your broader financial organization — not as a standalone "credit repair" service. The goal isn't just a number; it's a stronger overall financial position. That said, the legitimate components of what's marketed as "credit repair" (reviewing reports, disputing inaccuracies, education) are part of what we do.
How fast will my credit improve?
It depends entirely on what's actually on your reports and what's accurate. Disputed items can resolve in 30-45 days. Building credit through positive behavior (utilization, payment history, account age) takes 6-12 months minimum. We give honest timelines based on what we see in your profile during the consultation — not marketing timelines designed to close a sale.
Can you guarantee a specific score increase?
No — and neither can anyone else, legitimately. Credit bureaus respond to disputes based on the facts of each item. Anyone promising you a guaranteed score increase, a specific number of point gains, or a specific timeline is either misinformed or being dishonest. We promise honest work, real education, and clear communication. Those things, applied consistently, produce results.
What's the difference between CCC and other credit companies?
Three things primarily. First, we're an Enrolled Agent-led practice, which means we approach credit with professional financial training and integration with your tax work — not as a sales-led credit shop. Second, we do real education, not just disputes — we want you to understand credit so you can manage it long after our engagement ends. Third, we operate inside the HB ecosystem, which means your credit work coordinates with your taxes, bookkeeping, and business structure.
Will working with you hurt my credit short-term?
No, our work itself doesn't pull or affect your credit. We pull your reports through soft pulls or reports you provide. Some credit strategies (like opening new accounts to build profile) can cause small short-term effects, but we always discuss this with you in advance so you're choosing what's right for your timeline.
Can you help me build credit in my business's name?
Yes. Business credit is one of our specialty areas. We help with entity setup for credit purposes (LLC or S-corp considerations), business credit bureau registration (D&B, Experian Business, Equifax Business), vendor account setup, and structured profile building. This is especially important if you're preparing to seek business financing.
What if I'm already working with another credit company?
We can review what's been done and help you decide whether to continue, transition, or take a different approach. We won't sell you on switching unless we genuinely believe we'd serve you better. If the current work is good and progressing, sometimes the right answer is to stay where you are.
Do I have to commit to a long-term engagement?
Credit work is most effective with sustained engagement — but we don't require multi-year contracts. Monthly engagements can be paused or canceled with proper notice. We'd rather you stay because the work is valuable than because you're locked in.
- BEGIN
Real credit work, by people
who do it right.
Schedule a structured consultation. We'll listen, review where you are, and tell you honestly what we'd do if your situation were ours — even if that means recommending a different path.
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