How long does credit repair take?

Most clients see initial bureau responses within 30–45 days of mailing certified dispute letters. Full removal of negative items can take 3–6 months depending on the number of accounts and bureau cooperation. Results vary per individual.

Are tradelines legal?

Yes. Becoming an authorized user on someone else's credit card is a legal and widely used credit-building strategy recognized by FICO and the credit bureaus. The practice has been legal since the Equal Credit Opportunity Act of 1974.

What credit score do I need to qualify for business funding?

Requirements vary by product. Some revenue-based and merchant cash advance products start at 550+. SBA loans and traditional credit lines typically require 680+. Our AI funding matcher identifies the best products for your current profile.

How do I dispute items on my credit report?

Under the FCRA (15 U.S.C. §1681i), you have the right to dispute inaccurate or unverifiable information. Send certified dispute letters to Equifax, Experian, and TransUnion. Bureaus must investigate within 30 days and delete items they cannot verify.

What is a Section 605B block?

Under 15 U.S.C. §1681c-2, credit bureaus must block information resulting from identity theft within 4 business days of receiving an identity theft report. This applies to fraudulent accounts, collections, and unauthorized inquiries.

Can I get funding with bad credit?

Yes. Certain funding products — including merchant cash advances, invoice factoring, and revenue-based loans — prioritize business revenue over credit score. Our platform matches you with lenders based on your full financial profile.

White-Label Opportunity

Build Your Own Credit Repair & Funding Empire Build Your Business Backed By A Veteran-Owned Organization

Launch a fully branded credit repair, funding, and tradeline marketplace without building the technology yourself. Use our exclusive Blue Ring Score™ system to show your clients a clear path to gaining up to $100,000 in personal funding. Scale your business with our AI-powered platform working behind the scenes.

Custom Logo

Replace our branding with your own to build trust with your clients.

Custom Domain

Host the platform on your own web domain (e.g. portal.yourcompany.com).

Client Management

Manage your own clients, track their progress, and handle disputes seamlessly.

Funding Recommendations

Leverage our proprietary Blue Ring Score system to help your clients secure up to $100,000 in personal funding.

Tradeline Sales

Sell primary and authorized user tradelines directly to your clients.

Revenue Sharing

Earn massive commissions on back-end services, funding, and tradelines.

Exclusive Mentorship

Gain invaluable insights directly from industry leaders.

VIP Access

Get exclusive entry to credit parties and direct access to CEO Malcom Watkins.

The Ultimate Goal

The Blue Ring Score™

Equip your clients with the exact same AI-powered goal-tracking system we use. The Blue Ring Score™ drives user engagement, gamifies credit repair, and pushes clients towards securing up to $250,000+ in funding.

Fully integrated into your portal

Automated milestone tracking

Included FeatureBlue Ring Dashboard

Unlock Your
CreditFAX™