Beyond the ordinary

“Your credit doesn’t define you—
it’s just numbers we can help change.
Above & Distinguished Services gives you the tools, strategies, and guidance to dispute errors, rebuild responsibly, and unlock financial freedom. No empty promises, just a clear plan and support every step.”

PRICING:

$399 NON-REFUNDABLE DEPOSIT (APPLIED TOWARD YOUR BALANCE)

$699 FOR INDIVIDUALS

$1299 FOR COUPLES

Services include 1 round of aggressive dispute challenging charge offs, repos, collections, medical bills, hard inquiries not attached to an open account using Consumer Law. Payment options available. Services won't begin until full balance paid. You will need to sign-up for Credit Monitoring. It is $29.90/month.

CREDIT TOOLS (HELPFUL TOOLS LISTED BELOW)

Quick Quiz: What’s Hurting Your Credit?
Check anything that applies. We’ll tally your risk areas. Educational tool only.
Payment History
Credit Utilization
Credit Age & Mix
Inquiries & New Accounts
Derogatory Marks
Credit Score Simulator
Educational estimate only. Not a FICO® or VantageScore® calculation. Results are for learning and planning, not a guarantee.
720
Good
300850
    Percent of payments made on time.
    97%
    Balances ÷ limits across revolving accounts.
    28%
    Average age of open tradelines.
    4 yrs
    Total open credit cards/loans reporting.
    5 accts
    Number of hard pulls in the last year.
    1 inq
    Collections, charge-offs, bankruptcies, severe lates.
    0 items

    Disclaimer: This simulator is for education. Scores are estimated and may differ from lender models. Deletions or specific outcomes aren’t guaranteed.

    Personalized tips
      Dispute Letter Generator
      Create customizable dispute letters for credit reporting issues. Educational template, not legal advice. Verify addresses and send via USPS Certified Mail with return receipt.
      Your Information

      Letter Type
      Recipient
      Disputed Items
      Add each account/entry you’re disputing. Use last 4 of account #. Describe the inaccuracy and your requested action.
      Creditor / Source Acct # (last 4) Reason / Inaccuracy Action
      Optional Details
      Include These Citations / Requests
      Attachments (check what you’ll enclose)
      Letter Preview
      Bureau Dispute
      Fill the fields and click “Generate Letter.”
      Disclaimer: Templates are educational and do not guarantee outcomes. Verify addresses and keep copies of everything. Consider sending via USPS Certified Mail, Return Receipt.
      Debt‑to‑Income (DTI) Calculator
      Enter your gross monthly income and monthly debt payments. We'll compute front‑end (housing) and back‑end (total) DTI. Educational estimate only; lenders may calculate differently.
      Before taxes/deductions. If you have variable income, use a conservative average.

      Mortgage principal+interest+taxes+insurance or monthly rent
      Monthly payments for cars/leases
      Monthly payment amounts
      Use the minimum due, not the current spend
      Consolidation loans, lines of credit
      Monthly obligation
      Front‑End DTI (Housing)
      Acceptable
      —%
      Formula: Housing ÷ Gross Monthly Income
      Back‑End DTI (Total)
      Caution
      —%
      Formula: All Monthly Debts ÷ Gross Monthly Income
      Category Monthly Amount
      Total Monthly Debts $0.00