Struggling To Restore Your Credit Score?
Choose the Wise Plan That Gets You from Inquiry to Investment.
These are the items that drag a score down hardest. If it's inaccurate, unverifiable or outdated, it can be challenged — and that's exactly what I do.
Every file is different and nothing is guaranteed — no honest credit specialist can promise a specific deletion or score. What I can promise is that I read your report line by line and challenge everything that doesn't belong there.
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Illustration only — not a client result.
Results vary by file. No score increase or deletion is guaranteed.
Most credit companies stop at the disputes. That's the part that fades if nothing else changes — so we do the other two as well.
Rebuild, strengthen and protect your credit with a plan built around your report — not a template. I pull all three bureaus, flag what's hurting you, and dispute it in writing.
Start hereTake control of your money with a budget built for your actual life. Reduce debt, build better habits, and stop the cycle that put the marks on your report in the first place.
Learn moreGet ready for what's next — a home, a vehicle, a business, or just breathing room. We map what you'll need to qualify and work backwards from the date you want it.
Plan ahead
Hey there, I'm Sierra, founder of Credit by Sie and a proud mom of two amazing girls.
I started this journey because I know what it feels like to rebuild from the ground up, and I want others to experience the freedom that comes with strong credit and financial confidence.
My approach is simple: educate, empower, and make the process easy to understand. Whether you're working toward a new home, a car, or just peace of mind, I'm here to help you turn your goals into reality — one credit milestone at a time.
You'll know what's happening at every stage, and you'll never have to chase me for an update.
A short intake so I know what you're working toward and by when.
You upload your documents through a secure client portal. Nothing goes over text or email.
I pull all three bureaus and walk you through what's actually on your report, line by line.
Everything inaccurate, unverifiable or outdated gets challenged in writing with the bureaus and furnishers.
Weekly updates and a clear action plan, so you always know what round we're in.
Tools and lessons that keep the score up after the deletions land — the part most companies skip.
Submit your information so we can get the process started — fix your credit file and raise your credit score.
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Illustrations of the kind of movement a cleared file produces. Sierra's own client results replace these before launch.
Three collections and a charge-off deleted. Keys to her first house in Odessa five months later.
M. — Odessa, TX · 5 months
Six unauthorised hard inquiries and two medical bills challenged off. Approved for a business line she'd been denied twice.
J. & R. — Midland, TX · 7 months
Financed the truck at 6.9% instead of the 21% he was quoted — about $9,400 saved over the term.
D. — Odessa, TX · 4 months
Client testimonial goes here — a few sentences in their own words about what changed for them and how the process felt.
Client testimonial goes here — ideally one that mentions a specific goal she helped them reach, like a home or a vehicle.
Client testimonial goes here — the third one works well if it speaks to the budgeting or planning side, not just the disputes.
No long contracts and no surprise fees. Every plan starts with the same free review, so you know what you're buying before you buy it.
For a clean-up on a handful of items.
Credit repair plus the budgeting that makes it stick.
For a specific target — a home, a vehicle, a business.
Results vary depending on your credit history, but most clients start seeing progress within a few months. I provide weekly updates and a clear action plan so you always know what's happening. Bureaus have up to 30 days to respond to a dispute, so the first round is usually where you see movement.
Yes — that's the part I care most about. I don't only work on your report; I help you build a realistic budget, reduce debt, and develop the habits that get you to a closing table, a business loan, or whatever the goal is. We work backwards from the date you want it.
Absolutely. All documents are uploaded through a secure client portal — never over text or email — and your information is never sold or shared. Your privacy and security are a top priority.
The credit review is free. After it, I'll quote you a plan based on what's actually on your report — you'll know the full cost before you commit to anything, and there are no surprise fees.
You can, and you have every right to — it's free to dispute directly with the bureaus. Most people come to me because they don't have the time to keep up with rounds, deadlines and furnisher responses, or because they tried and got a form letter back. You're paying for the process and the follow-through, not for access to a right you already have.
Filing a dispute does not lower your score. The score can move while items are updated or removed, and a deleted account can occasionally shift your average account age — I'll walk you through anything like that before we file so there are no surprises.
Accurate, verifiable, current information stays on your report — no one can legally remove it, and you should walk away from anyone who says otherwise. If your report is clean and the issue is utilisation, history or income, I'll tell you that on the free review and we'll work the budgeting and planning side instead.
Tell me where you're at and what you're working toward. I'll pull your report, review it with you, and give you a straight answer — free, and with no obligation.
Takes about 30 seconds.