Personal Credit Coaching 

Fast, Customized Credit Building 

Guided by experts to empower those we saw being locked out of the credit system

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Credit Counseling is integral to the UCS Experience! 

How Coaching Works

When you join UCS, you start with the $297 course—the foundation that gives you the insider knowledge lenders actually use. From there, our coaching takes what you’ve learned and applies it directly to your life. You’ll work one-on-one with a coach to review your credit and budget, set milestones, track your progress, and make real adjustments as life happens. This is where education turns into action, and action turns into true lender-readiness.

Note: without official review via coaching, you cannot be marked “Lender-Ready” by Upward Credit Solutions.

1. Get matched

Get matched with a dedicated coach who understands your goals.

2. Review Together 

Review your credit & budget together and build a simple strategy.

3. Set Milestones

Set milestones, track progress, and adjust as life happens.

4. Celebrate Wins

Celebrate wins—from your first score jump to full lender readiness.

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Tailored Coaching Packages

Whether you are a first time homebuyer or looking for help with a refinance, we can walk with you step by step through the process. 

First-Time Homebuyer
Guided Coaching

White-glove Credit Diagnosis & Review with Monthly Coaching Sessions for First Time Homebuyers. 

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Refinance / Existing Homeowner

Debt Diagnosis, Restructure Guidance and Monthly Coaching Sessions for Existing Homeowners looking for Better Terms. 

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Lender Concierge Service

Stand-alone personalized preparation to get you ready to meet with the right lender that best fits Your Needs.

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Not sure which package is right for you? 

Please write us below and we will help you. 

Built by Insiders, Designed for You
Your Path to Lender-Readiness

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why it outperforms credit repair

This program was built side by side with real lenders. That means every lesson, tool, and milestone reflects the same standards underwriters and loan officers use when deciding if someone is truly ready for a mortgage.

Credit repair can tinker with a score, but it can’t show you how you actually look to a lender. Here, you learn exactly what matters, and you build habits that make you not only mortgage-ready but financially steady long after closing.