Two Pricing Options — Xtra Credit eBooks
Choose the credit-education resource that fits your goals. Launch specials available for a limited time.
The Complete Credit Restoration Guide
New eBook — Education Empowers Results
Your step-by-step guide to understanding, disputing, and removing negative items from your credit report. Easy-to-follow plain-English explanations, know-your-rights guidance, and a step-by-step playbook.
The Ultimate DIY Credit Toolkit
New & Enhanced eBook — The $69.99 Edition
Everything you need to dispute, remove, and rebuild your credit with confidence. Includes 11 chapters of credit education, customizable letter frameworks, trackers, checklists, a 30-day action plan, and identity-theft guidance.
Pay with Zelle
Send payment to:
info@xtracreditinsightsllc.comAfter sending payment, email us your receipt and the eBook title to receive your download link.
Educate. Structure. Position. Grow.
Building Financial Profiles. Creating Funding Opportunities.
Professional financial consulting and educational services designed to help consumers and business owners better understand, organize, and strengthen their financial profiles.
Free initial consultation — call us at (909) 251-0200
Your financial profile is one of your most valuable assets.
Whether you’re an individual preparing for future financing or a business owner positioning your company for growth, we provide consulting designed to help you understand how lenders evaluate financial profiles and what steps may improve your overall financial readiness.
We believe informed consumers make better financial decisions.
Consulting tailored to your financial goals
We offer comprehensive consulting services for both consumers and businesses — covering credit, funding readiness, business formation, and ongoing financial education.
Consumer Credit Consultation & Repair
- Credit profile organization
- Consumer reporting review
- Financial profile analysis
- Funding readiness assessment
Business Financial Consulting
Helping entrepreneurs establish stronger business foundations.
- Business profile review
- Entity & EIN consulting
- Vendor & lender readiness
- Business profile optimization
Funding Readiness Consulting
Preparing consumers and businesses before financing applications.
- Profile evaluation
- Debt & utilization analysis
- Application timing strategies
- Financial profile recommendations
Consumer Report Education
Understand what appears on your consumer reports.
- Credit report education
- Consumer rights education
- Reporting agency overview
- Financial literacy
Business Formation Consulting
Helping entrepreneurs establish professional foundations.
- LLC & Corporation formation
- Operating agreements & EIN
- Business address & phone
- Website consultation
Financial Education
Education is the foundation of long-term success.
- Budgeting & financial planning
- Credit utilization
- Business startup education
- Business financing prep
We educate first.
Financial success begins with understanding your financial profile. Rather than focusing on quick fixes, we emphasize long-term financial strategies designed to help clients build stronger financial foundations.
Our Mission
Our mission is to educate consumers and entrepreneurs so they can make informed financial decisions and position themselves for future opportunities.
A clear five-step path to financial readiness
Schedule Consultation
Book a free, no-obligation consultation to discuss your goals.
Financial Profile Review
We review your current financial position and identify key opportunities.
Personalized Strategy Session
Receive a custom plan built specifically for your situation.
Education & Recommendations
We walk you through every recommendation so you understand each step.
Funding Readiness Planning
Get positioned for the best possible funding opportunities.
Tradeline Opportunity
Tradelines help your utilization and credit history. Whether you’re a consumer looking to strengthen your credit profile or a reseller growing your business, authorized-user tradelines are a powerful credit-building tool.
Consumers — Authorized User Tradelines
Strengthen Your Consumer Credit Profile
- Purchase authorized-user tradeline opportunities
- Add established credit history to your consumer credit profile
- Choose tradelines based on your credit-building goals
Resellers — Grow Your Business
Offer authorized-user tradelines as an additional service
- Access tradeline opportunities for clients
- Educate clients about authorized-user accounts
- Earn income from eligible placements
Tradelines do not guarantee score increases, approvals, or funding. Results vary by individual credit profile.
Built for every stage of your financial journey
Clients Helped
Years Experience
Education-First
Consulting Coverage
Free guides to start your financial education
Access our library of free guides, articles, and educational resources designed to help you understand and improve your financial profile.
Common questions
What does the initial consultation cover?
Do you only help consumers, or businesses too?
How quickly will I see results?
Do you provide services nationwide?
XTRA CREDIT INSIGHTS LLC
Choose Your Credit Improvement Plan
$0 TO GET STARTED • PERSONALIZED SERVICE • CLIENT PORTAL ACCESS
| Plan | Initial Completed-Work Fee | Ongoing Fee | Estimated Service Period |
|---|---|---|---|
| Essential | $149 | $99.99/month | 12–13 months |
| Premium — Most Popular | $199 | $149.99/month | 8–9 months |
| VIP Elite | $249 | $199.99/month | 6–7 months |
ESSENTIAL
— $99.99/Month
Designed for clients who want professional assistance with the fundamentals.
- $0 today
- $149 initial fee after the contracted initial services are completed
- $99.99 after each subsequent completed monthly service cycle
PREMIUM
— $149.99/Month
- $0 today
- $199 initial fee after the contracted initial services are completed
- $149.99 after each subsequent completed monthly service cycle
Includes three-bureau analysis, personalized dispute strategy, appropriate bureau disputes, inquiry review, creditor/furnisher correspondence where appropriate, monthly reviews, portal access and monthly consultation/update.
START PREMIUMVIP ELITE
— $199.99/Month
For clients who want our highest level of service and attention.
- $0 today
- $249 initial fee after the contracted initial services are completed
- $199.99 after each subsequent completed monthly service cycle
Includes everything in Premium plus priority processing, expanded specialty-report review where included, enhanced creditor/furnisher review, priority consultations, and credit-building/structuring education.
GO VIPCREDIT STRUCTURE
— $299.99 one-time
We analyze your credit profile and show you what you may need to become more credit and funding ready.
- Credit profile analysis
- Credit mix, age & utilization review
- Primary & AU tradeline recommendations
- Personalized credit-building strategy
Approval and funding are not guaranteed.
$299.99 — START BUILDING YOUR PROFILESTART TODAY FOR $0
No credit-repair service fee is collected today. Initial and ongoing service fees become due only after the applicable contracted services have been completed.
Individual results vary. Xtra Credit Insights LLC does not guarantee a specific credit-score increase, deletion, approval, or funding result. Services are intended to assist consumers with information they have a legitimate basis to dispute. Specialty-report services apply only when included in the selected service agreement.
Xtra Credit Sweep Specials
Call Today for Current Pricing & Special Offers
Ask about our current Xtra Credit Sweep specials and see which credit-improvement option may be right for you.
Our Xtra Credit Sweep is designed around targeted, appropriate credit report disputes based on your individual credit profile. Depending on your situation and how quickly information is processed and updated, some clients may begin seeing deletions or other credit-report changes in as fast as 4 business days.
Results are not guaranteed. Timing and outcomes vary by consumer, account, creditor, furnisher, and credit bureau.
Call today for pricing and current Xtra Credit Sweep specials.
Call TodayAsk About the Xtra Credit Sweep
Book Your Consultation
Choose a date and time that works for you. All consultations include a free initial assessment.
September 2026
Select a date
Pick a date from the calendar to see available times
Contact Us — Schedule Your Consultation Today
Ready to take the first step toward a stronger financial profile? Complete the form below, and one of our consultants will reach out within 24 hours.
Ask About the Xtra Credit Sweep
Looking for a more targeted approach? Ask our team about the Xtra Credit Sweep, a specialized service designed around targeted, appropriate credit-report disputes. We’ll review your credit profile and explain whether the Xtra Credit Sweep is a good fit for your situation.
Call Us About the Sweep — (909) 251-0200Call Us
(909) 251-0200
Email Us
admin@xtracreditinsightsllc.com
Our Office
30 N Gould St #57283
Sheridan, WY 82801
Nationwide Consulting
Virtual & phone consultations available