You Don’t Have to Do
This Alone.
We Not Me Financial Group challenges inaccurate items, holds furnishers to what the record supports, and helps you rebuild — under the FCRA, with no advance fees. You only pay after the work is done.
3 Bureaus
Equifax, Experian & TransUnion — tracked separately
5 States
KY · TN · FL · IL · OH
$0 Advance
Billed after 30 days of active work
Illustrative example, not a client record. Individual results vary, and no outcome is guaranteed.
Built on compliance.
Driven by results.
A real dispute strategy, transparent pricing, and the accountability most credit repair companies skip entirely.
Simple Monthly Pricing
Flat monthly plans starting at $50 — billed only after 30 days of active work. No advance fees, no setup costs, no surprises.
We Don’t Stop at the First No
A verified item is not the end of the process. When the reporting record does not support what is on your file, we keep pressing through the channels consumer law provides.
Full 3-Bureau Audit
We pull Equifax, Experian, and TransUnion and identify every inaccurate, unverifiable, and obsolete item.
Rebuild & Business Credit
Removal is step one. We guide your score rebuild and help you qualify for business funding with a real Paydex strategy.
Transparent & Accountable
Monthly reporting, clear communication, and a written service agreement that spells out exactly what we do — and what it costs.
FCRA / FDCPA / CROA
Every dispute is written to the law, with full recordkeeping and written consumer disclosures.
Three steps to a
stronger score
A clear, proven path from audit to approval-ready — built on consumer law.
Credit Audit
We pull all 3 bureau reports and identify every negative item — anything inaccurate, unverifiable, past the reporting window, or not supported by the record.
Dispute & Delete
We prepare and file documented disputes under the FCRA, demand validation from collectors under the FDCPA, and escalate when the record does not hold up. We handle all the letters.
Rebuild & Monitor
We track results monthly, guide your credit rebuild, and build your business credit path with Net-30 vendors and Paydex strategy.
Real people, real scores.
These results are from actual We Not Me Financial Group clients. Individual outcomes vary based on report history and cooperation with the dispute process.
"I went from a 518 to a 671 in about 4 months. Tony removed 3 collections and a charge-off I thought would never come off. I just got approved for my first apartment without a co-signer."
"I had two medical debts and a repo dragging my score for years. After 5 months with We Not Me Financial Group, both were deleted and my score jumped 89 points. Monthly updates kept me in the loop the whole time."
"I started the business credit track with a 580 personal score and zero business credit. Six months later I have a Paydex of 80, Net-30 accounts, and a $20,000 business line. This changed my business."
Choose your path
to better credit
Transparent pricing with zero advance fees. You only pay after services are fully performed.
DIY Credit Repair Toolkit
- 20 professional dispute letter templates
- Credit utilization calculator
- Bureau pull chart — 40+ cards
- Know your FCRA & FDCPA rights
Credit Repair — Standard
- Full 3-bureau audit
- FCRA § 1681i disputes — we send them
- FDCPA debt validation
- Monthly status update & portal access
Credit Repair — Priority
- Everything in Standard
- Priority processing & higher dispute volume
- Direct furnisher disputes & escalations
- Dedicated case manager
Business Credit Building
- EIN & DUNS guidance
- Net-30 vendor roadmap (Tier 1–3)
- Paydex score building strategy
- Monthly funding readiness assessment
Required for all monthly plans
You must keep credit monitoring active for the entire duration of your service. Monitoring (approximately $30/mo, billed directly to you by the provider — not by We Not Me Financial Group) is how we access your reports, file disputes, and verify results. If your monitoring subscription lapses or is cancelled while work is in progress, we cannot continue working your file and your service will be terminated.
No fees charged in advance. All service fees earned only after contracted services are fully performed. Read CROA disclosures →
Everything you
need to know
Bureaus generally have 30 days to investigate, so the first results tend to arrive inside the first couple of months. A full case usually runs 3–6 months depending on how many items are involved and how the bureaus respond. Business credit building runs concurrently on its own track. Timelines vary by file, and we do not promise a completion date.
We dispute items that are inaccurate, unverifiable, or obsolete under the FCRA. Items bureaus cannot verify within 30 days must be removed by law. We do not dispute items we know are accurate and verifiable — that would be fraud.
We Not Me Financial Group uses flat monthly pricing — Standard at $50/mo, Priority at $100/mo, and Business Credit at $199/mo. All plans are billed in arrears, meaning your first payment isn't due until after your first full 30 days of active work. No advance fees, no setup costs. You also have a 3-day right to cancel under CROA with no charge.
We Not Me Financial Group currently serves clients in Kentucky, Tennessee, Florida, Illinois, and Ohio. Contact us if you're in another state — we may still be able to help.
The Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) prohibits advance fees, requires written contracts, and gives you a 3-day cancellation right. We Not Me Financial Group operates in full compliance — you receive all required disclosures before any work begins.
Your score won't
fix itself.
Book your free 30-minute consultation. Our team will review your situation, explain exactly what's disputable, and give you a clear plan — no obligation, no pressure.
Tony Cofield Jr.
I started this company after watching people I love get taken by credit repair outfits that charged a monthly retainer and delivered nothing. Same promises, same invoices, same silence.
So we built the opposite. You are billed after the work is done, never before. You get a written report every month showing exactly what moved and what did not. And if an item on your report is accurate, we will tell you that too — because the alternative is selling you a result nobody can deliver.
That is what We Not Me means. You are not doing this by yourself, and you are not being sold to.