Colorado-based credit repair firm offering dispute-based credit restoration, free credit analysis, and consumer education through a certified FICO Credit Team.
Data compiled from public sources · Rating from CreditDoc methodology
360 Credit Consulting is a credit repair and restoration firm based in Broomfield, Colorado. The company operates with what it describes as a "certified FICO Credit Team," indicating staff trained in FICO scoring methodology. Their program is built on consumer law research and credit bureau reporting practices. They are not a lender, credit union, or nonprofit counseling agency — they are a for-profit credit repair service operating in the dispute-based restoration space.
The company's core offering is identifying and disputing errors, inaccuracies, and unverifiable items on clients' credit reports. Their intake model begins with a free credit analysis, during which clients receive a personalized review of their credit situation along with realistic timeline projections. From there, they engage in credit restoration work — the formal dispute process — and credit approval assistance aimed at helping clients qualify for loans and better interest rates. Supplemental credit education resources are provided at no charge as part of the engagement.
With a 4.7-star Google rating drawn from over 950 reviews, 360 Credit Consulting has built a notably strong reputation for a regional credit repair firm. Client reviews reference individual agents by name — Jessica and Albert Sollesa among them — pointing to an agent-assigned, relationship-driven service model rather than an automated or bulk-dispute pipeline. The appointment-based consultation process, complete with SMS reminders, further signals a structured and personalized approach to client onboarding.
The company's most significant limitation is pricing opacity: no fees, monthly costs, or service tiers are disclosed on their website, so consumers must engage through the free consultation before understanding the financial commitment. No money-back guarantee was found in the research. Standard credit repair caveats also apply — nothing 360 Credit Consulting can do is legally beyond what a consumer can pursue independently through direct bureau dispute channels. That said, for consumers who want professional guidance, named agent accountability, and a hands-off dispute process backed by a high review volume, 360 Credit Consulting is a credible regional option. Consumers who successfully repair their credit often find better rates on installment loans, secured credit cards, and other financial products.
While repairing your credit, a secured card builds positive payment history from day one. Several options require no credit check.
Yes. 360 Credit Consulting is a registered company, headquartered in Broomfield, CO.
360 Credit Consulting plans start at Free per month with no setup fee. No money-back guarantee is offered.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
360 Credit Consulting is best suited for consumers with verifiable errors on their credit reports who want a hands-on, agent-guided dispute process backed by a strong local reputation. The lack of published pricing is a real barrier — prospective clients should use the free analysis to understand costs before committing. Not a fit for consumers seeking debt settlement, nonprofit financial counseling, or any loan product. Consumers comparing credit repair companies should also consider whether credit monitoring services, secured credit cards, or credit counseling might address their needs alongside or instead of paid credit repair services.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-20
Jacksonville Credit Repair offers credit dispute resolution, report analysis, and score improvement strategies through licensed professionals serving the Jacksonville, FL area.
Best for: Jacksonville-area residents with inaccurate negative items on credit reports seeking local in-person service, Consumers who have been denied credit and want professional dispute assistance
SBG Funding provides flexible small business loans up to $5M with same-day funding decisions and rates starting at 1.75%/month across multiple financing types.
Best for: Small business owners needing capital urgently and willing to pay premium rates for speed (same-day funding), Companies in niche industries (restaurants, HVAC, trucking, construction) where traditional bank lending is slower or more restrictive
The Credit Boss Group offers personalized credit analysis, dispute strategy, and credit education to help clients understand and improve their credit profiles without false promises.
Best for: Individuals rebuilding credit and seeking long-term financial stability through education, Future homebuyers who need to position their credit profile for mortgage qualification
Compare the costs, time, and effectiveness of fixing your credit yourself versus paying a professional company.
Read guide →Step-by-step instructions for disputing errors on your credit report with all three bureaus, including templates and timelines.
Read guide →A complete breakdown of the credit repair process — what companies actually do, the legal framework behind it, and realistic timelines for results.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
A higher interest rate that kicks in when you violate your card agreement — usually by paying late or going over your credit limit. It can be nearly double your normal rate.
One late payment can trigger a penalty APR of 29.99% on your entire balance, and it can last 6 months or longer. Read your card agreement to know the triggers.
Example
Your credit card rate is 19.99%. You miss a payment by 61+ days. The bank triggers a 29.99% penalty APR. On a $5,000 balance, that's $125/month in interest instead of $83.
A company that collects and sells information about your credit history. The three major bureaus are Equifax, Experian, and TransUnion.
Not all lenders report to all three bureaus, so your reports may differ. You should check all three reports because an error on one could be costing you money.
Example
Your car loan only reports to Equifax and TransUnion. Your Experian report doesn't show that good payment history, so your Experian score is 15 points lower.
A free tool that locks your credit report so no one (including you) can open new accounts until you lift it. It's the strongest protection against identity theft.
A credit freeze prevents criminals from opening loans in your name, even if they have your Social Security number. It's free by law and doesn't affect your credit score.
Example
Your data was in a breach. You freeze your credit at all 3 bureaus (takes 10 minutes online). A thief tries to open a credit card in your name — denied because the lender can't pull your frozen report.
The variety of credit accounts you have — credit cards (revolving), auto loans (installment), mortgage, student loans, etc. Having multiple types shows you can manage different kinds of debt.
Credit mix accounts for about 10% of your FICO score. Having only credit cards isn't as strong as having a card, an installment loan, and a mortgage.
Example
Borrower A has 3 credit cards. Borrower B has 2 credit cards, a car loan, and a student loan. Even with the same payment history and utilization, Borrower B's score is typically higher.
A detailed record of your borrowing history maintained by credit bureaus. It lists every loan, credit card, payment history, collection, and public record tied to your name.
Errors on credit reports are common — 1 in 5 consumers has at least one mistake. Checking your report regularly is the first step to fixing errors that are costing you money.
Example
You pull your free report from AnnualCreditReport.com and find a $2,400 medical collection you already paid. You dispute it, the bureau verifies it's resolved, and your score goes up 40 points.
A 3-digit number (300-850) that summarizes how reliably you've handled borrowed money. Higher scores mean lower risk to lenders and better loan terms for you.
Your credit score determines whether you get approved and at what rate. A 100-point difference can mean thousands of dollars more or less in interest over a loan's life.
Example
On a $250,000 30-year mortgage: a 760 score gets you 6.2% ($1,536/month). A 660 score gets 7.4% ($1,729/month). Over 30 years, the lower score costs you $69,480 more.
The percentage of your available credit that you're currently using. If you have $10,000 in credit limits and owe $3,000, your utilization is 30%.
Utilization is the second-biggest factor in your credit score (after payment history). Keeping it below 30% helps your score; below 10% is ideal.
Example
You have 3 cards with a $15,000 total limit. You're carrying $4,500 in balances (30% utilization). Paying down to $1,500 (10% utilization) could boost your score by 20-50 points.
The most widely used credit scoring model, created by Fair Isaac Corporation. 90% of top lenders use FICO scores for lending decisions.
FICO has many versions (FICO 8, 9, 10). Mortgage lenders still use older versions (FICO 2, 4, 5), so your mortgage score may differ from what free apps show you.
Example
Your FICO 8 score (used for credit cards) is 740. Your FICO 5 score (used for mortgages) is 725 because it weighs collections differently. Same credit history, different scores.
When a lender checks your credit report because you've applied for credit. Each hard inquiry can lower your score by 5-10 points and stays on your report for 2 years.
Multiple hard inquiries in a short period suggest you're desperately seeking credit, which is a red flag. Exception: mortgage and auto loan shopping within 14-45 days counts as one inquiry.
Example
You apply for 5 credit cards in one month. Each application triggers a hard inquiry. Your score drops 25-50 points from the inquiries alone, making each subsequent application harder.
A credit check that does NOT affect your score. Happens when you check your own credit, when lenders pre-qualify you, or when employers do background checks.
You can check your own credit as often as you want without penalty. Prequalification offers from lenders also use soft pulls, so shopping around is safe.
Example
You use Credit Karma to check your score (soft pull — no impact). A credit card company sends you a pre-approved offer (soft pull). You then apply for the card (hard pull — small impact).
An alternative credit scoring model created by the three major credit bureaus (Equifax, Experian, TransUnion). Same 300-850 range as FICO but uses a slightly different formula.
Many free credit monitoring apps show VantageScore, not FICO. Your VantageScore may be 20-40 points different from the FICO score a lender actually uses.
Example
Credit Karma shows your VantageScore 3.0 as 720. You apply for a mortgage and the lender pulls your FICO 2 score: it's 695. Different model, different number, different rate offered.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A recurring charge for maintaining a financial account or receiving ongoing services, such as credit monitoring, credit repair, or loan servicing.
Monthly service fees add up quickly. A $79/month credit repair service costs $948/year — make sure the value justifies the ongoing expense.
Example
A credit repair company charges $79/month to dispute items on your report. After 6 months ($474 spent), they've removed 3 negative items and your score went up 65 points. Was it worth it? Depends on your situation.
A one-time fee charged at the beginning of a service, often by credit repair companies, to cover the cost of your initial credit analysis and account setup.
Legitimate credit repair companies are NOT allowed to charge before they do work (per the Credit Repair Organizations Act). A setup fee before any results is a red flag.
Example
Company A charges $99 setup fee before doing anything (potential CROA violation). Company B does a free audit first, then charges a $199 work fee only after completing work (legitimate).
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
A federal law that regulates credit repair companies. It bans them from charging upfront fees, making false promises, and requires written contracts with a 3-day cancellation right.
CROA protects you from credit repair scams. If a company demands payment before doing any work, they're likely violating federal law. Legitimate companies charge after results.
Example
A company says 'Pay $500 upfront and we'll remove all negative items guaranteed.' That violates CROA on two counts: upfront fees and guaranteed results. Legitimate companies charge monthly after work begins.
The federal law that regulates how credit bureaus collect, share, and use your information. It gives you the right to see your report, dispute errors, and limit who can access it.
FCRA is the legal basis for disputing errors on your credit report. Bureaus must investigate within 30 days and remove inaccurate information. You can sue if they violate your rights.
Example
You dispute an incorrect collection on your Equifax report. Under FCRA, Equifax has 30 days to investigate. If they can't verify it, they must remove it. If they ignore your dispute, you can sue for damages.
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Moving debt from one credit card to another, usually to take advantage of a lower interest rate (often 0% for 12-21 months). There's typically a 3-5% transfer fee.
A 0% balance transfer can save hundreds in interest and help you pay down debt faster. But you must pay off the balance before the promotional period ends, or the rate jumps.
Example
You owe $8,000 at 22% APR ($147/month in interest). You transfer to a 0% APR card with a 3% fee ($240). For 18 months, $0 interest. If you pay $444/month, you're debt-free before the promo ends.
The smallest amount you must pay each month to keep your account in good standing — usually 1-3% of the balance or $25, whichever is more. Paying only this amount keeps you in debt for years.
Minimum payments are designed to keep you paying interest as long as possible. On a $5,000 balance at 22%, minimum payments would take 20+ years and cost over $8,000 in interest.
Example
You owe $5,000 at 22% APR. Minimum payment: $100/month. At that rate, it takes 9 years to pay off and you pay $5,840 in interest — more than you originally borrowed.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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