MBF & KEJOELLC
Interactive Credit Transformation
Stage 1 of 4 · FICO® 512 · Poor

Fix your credit.
Change your life

Denied for loans, high security deposits, and predatory cards with mandatory annual fees.

Rejected for 0% business credit
High interest & security deposits
5 active negative report marks
512
FICO® · Poor
Credit One Platinum
Subprime High-Fee CardFICO® 512
Credit Limit
$300 Limit
Terms
29.99% APR
3-Bureau Derogatory Items0/5 Deleted
Collection · Medical Collection Agency
$1,284
Charge-off · Retail Store Credit Card
$2,190
Late payment · Auto Loan · 90 Days
—
Repossession · Auto Lender Default
$8,450
Hard Inquiries · 9 Unauthorized Credit Pulls
×9
Personal Credit Transformation Slider:Drag or click a tier to scrub
Credit Repair + Business Funding Strategy

Fix your credit.
Fund your vision.

Denied for apartments or high-limit credit cards? Watch a 512 score transform to 812+, and unlock $50k–$250k+ in 0% interest business funding.

FCRA Compliant
30-90 Day Results
0% Capital Rates
512
Poor Score
Credit One Platinum
Subprime High-Fee CardFICO® 512
Credit Limit
$300 Limit ($95 Fee)
Impact Status
Rejected / High Risk
Interactive Score Glow-up:
512 → 720+

Average score bump in under 6 months

$50k–$250k

0% Interest Business Funding Unlocked

30–90 Days

Time to meaningful negative deletions

$0

Cost for 15-Min Discovery Call

What We Do

Credit Repair, Business Credit
& Business Funding.

Whether you need to wipe away inaccurate negative credit marks, establish corporate tradelines, or raise 6-figure business capital, our 3-pillar framework delivers fast, predictable results.

PILLAR 01

Credit Repair

Unlimited aggressive dispute services leveraging federal consumer laws (FCRA) to remove negative items.

  • Student loans, collections, charge-offs, repos & foreclosures
  • Hard inquiry removals and credit profile optimization
PILLAR 02

Business Credit

Separate personal SSN liability from business EIN. Build Paydex 80+ scores and tier 1-3 corporate tradelines.

  • Corporate entity structuring (LLC, DUNS, Nav & Experian Biz)
  • Net-30 vendor accounts & primary tradelines setup
High Growth
PILLAR 03

Business Funding

Secure $25,000 to $250,000+ in 0% APR credit card funding, unsecured lines of credit, and revenue financing.

  • 0% Interest for 12–21 Months: Maximum leverage for growth
  • Unsecured Working Capital: No equity dilution required
Live Dispute Simulator

Delete a collection.
Watch your score jump — live.

This is a real-time model of how removing individual negative items from your 3-bureau report moves your FICO® score. Tap any item to simulate a dispute round deletion and see the point impact instantly.

Simulated FICO® Score
538
Poor
No change yet
from 538 (Poor)
9
Total Items
0
Deleted
9
Remaining
Projected Outcome

Keep disputing. Removing 9 more items could push you toward the 700+ prime threshold.

3-Bureau Negative Items

High Medium Low
CollectionExperian
Midland Credit Mgmt · $1,284 · 14mo old
−62 pts82% removable
CollectionTransUnion
Portfolio Recovery · $642 · 9mo old
−54 pts78% removable
Charge-OffEquifax
Capital One Bank · $3,910 · 22mo old
−71 pts55% removable
Late Payment (30d)Experian
Discover It · — · 5mo old
−28 pts70% removable
Late Payment (60d)TransUnion
Synchrony Bank · — · 11mo old
−38 pts66% removable
Hard InquiryEquifax
Credit One Bank · — · 3mo old
−12 pts90% removable
Hard InquiryExperian
Avant · — · 7mo old
−9 pts85% removable
Medical CollectionTransUnion
Mercy Health Sys · $478 · 18mo old
−34 pts88% removable
RepossessionEquifax
Westlake Financial · $8,200 · 26mo old
−66 pts40% removable

Want this on your real 3-bureau report?

We run real FCRA dispute rounds against Experian, Equifax & TransUnion — targeting the exact items dragging your score down.

* Simulator uses an illustrative scoring model for educational purposes and is not a guarantee of actual FICO® score changes.

Business Credit Builder

Net-30 Vendors → Tier-3 Corporate Cards

Walk the exact 6-stage tradeline ladder we use to take a new LLC from zero business credit to a Paydex 80 profile with $250,000+ in 0% funding. Tap any stage — or hit Build My Tradelines to watch it stack.

0
Paydex Score
$0
Total Tradeline Credit
Day 0
Days Elapsed
Tradeline Progression
Business Entity
Stage 1 · Formation

Business Entity

•••• •••• •••• EIN
Credit Limit
—
Reports To
D&B · Experian Biz
Stage 1 of 6Day 0 · Paydex 0

Separate your SSN from your EIN.

We structure your entity, open your business credit files, and establish your D&B and Experian profiles — the legal foundation every tradeline is built on.

Tradelines acquired at this stage
LLC / S-Corp Formation
Entity
EIN Registered
Business Credit File #
D&B File
Active File
Experian Business File
Biz File
Opened
Interactive Estimator

Calculate Your Funding Potential & Timeline

Adjust the sliders below based on your current credit report to calculate estimated deletions and potential 0% business funding.

Current Credit Score:530
480 (Poor)620 (Fair)750 (Good)
Negative Items On Report:6 Items
1 Item10 Items20+ Items
Target Business Funding Needed:$75,000
$10,000$100,000$250,000+
Your Strategic Roadmap Estimate
Estimated Score Increase:+220 Points
Target Score Tier:760 - 810+ Exceptional
Estimated Timeframe:30–60 Days
Est. 0% Business Lines:$67,500 - $75,000
🔒 Free 15-minute 1-on-1 strategy call. No obligation.
Why MBF & KEJOE

A dedicated strategist in your corner,
not a call center.

Most credit repair companies send automated dispute templates. We assign a direct specialist who builds a custom dispute strategy, establishes high-limit business credit, and connects you directly with funding sources.

Transparent Pricing

A Plan For Every Financial Journey.

Bronze Tier
$995
  • 6–12 rounds of disputes
  • Student loans & collections
  • All inquiries removed
Select Bronze
Most Popular
Gold Tier — CR (Couple Bundle)
$1,750
or $199 down + $89/mo
  • 11+ negative items addressed
  • Repos, foreclosures & tax liens
  • 1-on-1 strategy call
Select Gold
Platinum Business Credit
$2,500+
  • Establish business credit in 45 days
  • Reported tradelines $25K–$100K
  • 0% Business Funding Stacking
Get Platinum
FAQs

Straight Answers. No Fluff.

Most clients see meaningful negative item deletions within 30 to 90 days. During your initial discovery call, we analyze your 3-bureau credit report and give you a realistic timeframe based on your negative items.