Free Initial Assessment
Free Initial Assessment
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Unlock your potential for better credit and financial control.
Unlock your potential for better credit and financial control.
Marcus Hart Consulting provides expert solutions covering credit repair, credit building (including secured cards & loans), and debt repayment services.
Marcus Hart Consulting provides expert solutions covering credit repair, credit building (including secured cards & loans), and debt repayment services.
Take control. Transform your financial future.
Take control. Transform your financial future.
*We assist in disputing inaccurate information on your credit report. While results vary, our goal is to help you improve your credit profile over time.
Referral Program Mention: Know someone who needs help? Refer them and get $50 when they become a client! Click Here
Get Your FREE Credit & Financial Assessment Now!
Get Your FREE Credit & Financial Assessment Now!
Discover exactly what's impacting your credit and the best path forward to reach your financial goals.
Discover exactly what's impacting your credit and the best path forward to reach your financial goals.
How We Help You Build Stronger Credit
How We Help You Build Stronger Credit
Tired of confusing credit reports and slow progress? We have a proven process designed for real results.
Tired of confusing credit reports and slow progress? We have a proven process designed for real results.
Analysis: We review your credit reports to identify inaccurate, unfair, or unverified items impacting your score.
Dispute: We challenge these items with credit bureaus and creditors on your behalf.
Build: We guide you on adding positive credit (like our credit builder tools) to strengthen your report.
Monitor: We help you track progress and maintain healthy credit habits.
Start with your Free Initial Assessment to see how our process can work for you.
Build Credit, Secure Your Future: Our Exclusive Secured Card Program
Build Credit, Secure Your Future: Our Exclusive Secured Card Program
Have past credit issues or no credit history at all? Don't let it hold you back! Our REVIVA Card Program is designed to help you build a positive payment history responsibly.
Have past credit issues or no credit history at all? Don't let it hold you back! Our REVIVA Card Program is designed to help you build a positive payment history responsibly.
REVIVA CARD - From Credit Rebuild to Credit Royalty.
Choose the level that fits your goals:
Choose the level that fits your goals:
*NOTE: The official launch date of the REVIVA is June 1, 2025, signing up now will place you on a VIP priority list and no deposit will be due until you respond to the email notifying on the available of your card and confirm shipping information.
REVIVA BOOST
REVIVA BOOST
Start Level:
$200 initial credit limit
$50 refundable deposit required
Deposit refunded after 3 successful on-time payments*
Limit automatically increases to $250 after deposit refund.
Build positive payment history!
REVIVA SILVER
REVIVA SILVER
Accelerate Level:
$300 initial credit limit
$100 refundable deposit required
Deposit refunded after 3 successful on-time payments*
Limit automatically increases to $400 after deposit refund.
Build faster with a higher starting limit!
REVIVA GOLD
REVIVA GOLD
Maximize Level:
$500 initial credit limit
$200 refundable deposit required
Deposit refunded after 3 successful on-time payments*
Limit automatically increases to $700 after deposit refund.
Get a stronger start for bigger goals!
*Disclaimer for Secured Cards: Refundable deposit subject to account being in good standing with 3 consecutive on-time payments. Terms and conditions apply.
Overwhelmed by Debt? Discover a Simpler Path to Freedom.
Overwhelmed by Debt? Discover a Simpler Path to Freedom.
Juggling multiple payments and feeling like you're not making progress? There's a more strategic way to tackle debt that can even help your credit.
Juggling multiple payments and feeling like you're not making progress? There's a more strategic way to tackle debt that can even help your credit.
Explanation of Your Debt Repayment Service:
Consolidate & Conquer: We help you simplify multiple debts into one manageable payment.
Strategic Payoff: We prioritize paying off debts in a way that maximizes impact on your credit score while reducing your overall burden.
Beyond Payments: We also dispute misrepresented items on your report and negotiate with creditors on your behalf.
Negotiated Settlements: Our goal is to negotiate settlements, often allowing accounts to be closed and removed from your credit report once a portion (typically 50%) of the settled amount is met.
Reduce Stress, Increase Savings: Our process aims to reduce your monthly stress and potentially save you money in the long run.
Ready to Invest in Your Credit? Choose Your Plan
Ready to Invest in Your Credit? Choose Your Plan
Choose the Plan That Fits Your Goals
Choose the Plan That Fits Your Goals
Ready to fast-track your credit repair and building journey? Select the plan that aligns with your needs.
Ready to fast-track your credit repair and building journey? Select the plan that aligns with your needs.
Basic Credit Repair
Basic Credit Repair
Price: $300 one-time OR $100/month for 3 months
Price: $300 one-time OR $100/month for 3 months
Includes:
Full credit repair
Removes any and all negatives
Credit monitoring
ID Theft Protection
Credit Analysis
Credit Coaching
Dispute Filings
Credit Builder Card eligibility/guidance
(Note: the card itself likely has separate terms/fees, clarify this if needed)
Benefit: Essential credit repair to start clearing your report.
Credit Repair with 1 Tradeline
Credit Repair with 1 Tradeline
Price: $300 one-time AND $50/month ongoing until cancelled
Includes:
All features from Basic Plan, PLUS:
1 positive Tradeline added
Benefit: Repair and begin actively building positive credit history.
Credit Repair with 3 Tradelines + Business Funding
Credit Repair with 3 Tradelines + Business Funding
Price: $600 one-time AND $75/month ongoing until cancelled
Includes:
All features from 1-Tradeline Plan, PLUS:
2 additional positive Tradelines
(Total 3)
Business Funding guidance/access (We help you apply)
Benefit: Aggressive credit building for significant score improvement and unlocking funding opportunities.
Stay Informed: Insights from Our Blog
Stay Informed: Insights from Our Blog
Get valuable tips and information on credit, debt, and financial wellness directly from our experts.
Get valuable tips and information on credit, debt, and financial wellness directly from our experts.
The Hidden Costs of Low Credit
The Hidden Costs of Low Credit
Learn how a low credit score impacts more than just loans, and the first steps you can take to start improving it today.
Secured Card Secrets: How They Build Credit Faster Than You Think
Secured Card Secrets: How They Build Credit Faster Than You Think
Discover the smart way to use secured credit cards, like ours, to quickly establish positive payment history and boost your score.
Overwhelmed by Multiple Debts? There's a Simpler Path to Financial Freedom
Overwhelmed by Multiple Debts? There's a Simpler Path to Financial Freedom
Explore how strategic debt repayment can consolidate your payments, reduce stress, and even help improve your credit score.
Important Information
We are a credit repair organization as defined under federal law. You have the right to dispute information on your credit report yourself, without cost. Our service helps you identify and dispute errors on your credit report. We do not promise overnight results, as credit repair is a process that takes time.
Marcus Hart Consulting & Credit Repair
Office Phone: 414-285-6027
marcus-hart.com/credit-repair
info@transformumedia.com
Referral Program Mention: Know someone who needs help? Refer them and get $50 when they become a client! Click Here
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