Build Smart. Grow Strong. Stay Funded.

Credit Wellness & Financial Access Solutions

Empowering you to build, protect, and optimize your credit — the right way.

Our all-in-one credit wellness suite empowers you to strengthen your financial foundation

with smart tools, expert guidance, and ongoing support.

Why Credit Wellness Matters

Credit isn’t just a number — it’s your access point to housing, loans, business funding, and financial security.

That’s why we go beyond just disputes — we focus on total credit wellness.

Detail: We help you build new credit, fix what’s wrong, and protect what you’ve worked for — using ethical, transparent methods designed for lasting success.

Our Services Include:

Credit Wellness Membership

Get personalized credit analysis, monthly coaching, and access to ongoing dispute support tools.

Credit Builder Suite

Add tradelines like rent and utility reporting, secured cards, and business vendor accounts to boost your score.

Dispute Support & Education

We help you understand your rights and walk you through the process of correcting inaccurate or outdated information on your credit reports.

Financial Toolkit Access

Download our budgeting templates, credit planning worksheets, and letter templates to take control of your financial future.

Secure Credit Monitoring & Alerts

Stay protected with real-time monitoring and identity theft prevention tools (optional add-on).

Why Choose Us?

Compliant, ethical credit strategies
Designed for long-term results — not quick fixes
Real education + real support
Client-focused and mission -driven
Transparent pricing, no hidden fees
Accessible, no-credit-check options
Custom-built solutions for real life

Your Success Is Our Mission

At Carter & Co. Consultants, we believe that access, structure, and strategy are the foundation of personal and business success. We’re more than just consultants — we’re your partners in progress.

Founded with the mission to simplify complex financial and business processes, Carter & Co. was built to serve everyday entrepreneurs, side hustlers, service professionals, and aspiring business owners who are often overlooked by traditional systems.

Whether you’re looking to build your business credit, repair your personal credit, form an LLC, or get access to funding — we’re here to guide you every step of the way.

PRICING

Choose Your Plan

Basic Dispute Plan

$99/month

(disputes Only)

Choose Basic Plan

No contracts - cancel anytime

Growth Plan

$149/month

(disputes + funding)

Choose Standard Plan

No contracts - cancel anytime

Premium Business Elite Plan

$599/month

(disputes + funding + business credit building)

Choose Premium Plan

No contracts - cancel anytime

Frequently Ask Questions

How long does the credit repair process take?

Most clients see noticeable improvements within 30–90 days, but full results depend on the number and type of items being disputed. We work month-to-month with no long-term contracts.

What kind of items can you remove from my credit report?

We help dispute late payments, charge-offs, collections, repossessions, bankruptcies, duplicate accounts, and more — especially if they are inaccurate, outdated, or unverifiable.

Is credit repair legal?

Yes — absolutely. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute any inaccurate or unverifiable information on your credit report.

Do I need to provide my credit reports?

Yes- you'll need your credit reports. We'll guide you to access them easily and securely using trusted platforms like Identity IQ or AnnualCreditReport.com

Is this service just for individuals, or can couples sign up?

We offer individual and couples credit repair plans, so both partners can improve their financial profile together.

What happens after my credit is repaired?

We provide tips, tools, and optional upgrades for funding assistance, business credit building, and ongoing support — so you can move from cleanup to true growth.