Get your credit profile funding-ready.
Laid off, behind on bills, or watching foreclosure get closer? An inaccurate credit profile can close the door on the home, car, loan, or lease that gets you back on your feet. We coach you through fixing it, correctly, on your own file.
On a tight deadline? Expedited handling is available.
Programs
Pick the level of support you need.
Choose the level that matches how fast you need to move. All programs work for a personal or a business credit profile, and flexible payment options are available, including ongoing monthly payments or splitting the fee over three months.
Self-Paced
- Foundational tools and frameworks
- Step-by-step guides for your profile
- Asynchronous help when you get stuck
For self-starters working on their own timeline, with structure and answers on demand.
Guided
- Everything in Self-Paced
- Limited one-on-one coaching
- Feedback on your plan and progress
For people who want a coach to check their work at a steady pace.
Premium Partnership
- Everything in Guided
- Our expedited service tier. Your consultant works with you to update your profile as fast as possible when you have an urgent need, such as a mortgage closing in the next 30 days, a car refinance, or foreclosure pressure
- Expert coaching and guidance throughout
- Scheduled checkpoints and virtual check-in calls
- Accountability to keep you on track and funding-ready
For people with a tight turnaround who want an expert beside them every step.
November special rate. Enroll this month and lock in introductory pricing. Regular pricing returns in January.
When money gets tight, your file gets louder
One missed payment shouldn't decide your next five years.
After a layoff, a medical bill, or a hard year, your credit profile can say things that aren't true or aren't current. Lenders, landlords, and employers read it before they ever hear your story.
Laid off and behind
Income stopped, bills didn't. Now late marks and balances are stacking up and you can't see a way back to approval.
Facing or past foreclosure
You need to refinance, rent a place, or buy again, and the file you're being judged on may have mistakes you can fix.
Turned down, and not sure why
A loan, a car, an apartment lease, a student loan, a business line. A denial is a signal to look closely at what lenders see.
Georgia foreclosure activity rose 52% in the first half of 2026 versus 2025, among the fastest increases in the country.Source: ATTOM, as reported by the Savannah Business Journal
What "funded" means
Fund your life, not just your score.
An accurate, up-to-date credit profile, personal or business, is what opens the doors that matter.
Coaching, not shortcuts
You do the work. We make sure you do it right.
Your rights are already on your side. Most people just don't know the rules or where to begin. We give you the tools, the framework, and the coaching to work your own file inside the law.
What we do
- Walk you through your credit profile line by line
- Teach you what is inaccurate, outdated, or unverifiable
- Give you tools and frameworks you can reuse
- Coach you through each step with real accountability
What we never do
- Promise to remove accurate information
- Guarantee a score or a loan approval
- Tell you to create a new credit identity
- Act in your name without you knowing
Who you'll work with
Experience from inside the system.
Our senior consultant has worked in finance and fintech, including at Cash App and SunTrust/Truist, and has spent years working credit files hands-on.
- Built a career inside financial services and fintech
- Once had to take a major credit bureau to court over inaccurate reporting
- Coaches people through the same process, the right way
How it works
From first form to funding-ready.
Tell us where you are
Fill out the short intake form. It takes about three minutes.
Free consultation
A consultant follows up within 48 hours to learn your goals.
Choose your program
We recommend the level of support that fits your situation.
Work your plan
Use your tools, get coached, and track your progress to your funding goal.
Consultation calls are typically held Tuesday mornings and Thursday afternoons (Eastern).
Start here
Tell us what you're working toward.
Answer a few quick questions and we'll follow up within 48 hours. There is no cost to submit, and no pressure.
Please don't include your Social Security number or account numbers. We'll never ask for them here.
Start your intake
Thank you. You're in the queue.
A Karma 4 Credit consultant will follow up within 48 hours by your preferred method. Consultation calls are usually Tuesday mornings and Thursday afternoons.
Questions
Straight answers.
Is this legal?
Yes. Federal law gives every consumer the right to review their credit information and to dispute anything inaccurate or unverifiable, for free. Our programs teach you how to use those rights correctly and give you tools and coaching while you do the work yourself.
Do you fix my credit for me?
No. You do the work, with an expert beside you. That is what keeps the process inside the rules and what makes the results last. We provide tools, frameworks, and coaching. You take the actions on your own file.
Can you guarantee an item will come off or my score will go up?
No, and be cautious of anyone who does. Credit bureaus and lenders make their own decisions, and results depend on what is in your file and the steps you take. What we can promise is a clear process and honest coaching.
Is this for my personal credit or my business?
Either. Many people are working on both. The intake form asks which one you want to start with.
How long does it take?
It depends on what is in your profile. It depends on what is in your profile and how fast you need to move. In your consultation, we look at your situation and deadline and recommend the level of support that fits.
What do I need to get started?
Just the intake form. In your consultation we will tell you what to pull, such as your free reports from the official site, AnnualCreditReport.com. Please do not send Social Security or account numbers through the form.