Personalized Credit
Strategy
Every client receives guidance based on their individual credit profile, financial circumstances, and goals.
VALORA CONSULTING GROUP
FIX YOUR CREDIT. RECLAIM YOUR FUTURE.
Take control of your credit journey. We help you challenge inaccurate negative items and work toward a stronger financial future.
FIX MY CREDIT NOWWhy Choose Valora?
Personalized Credit
Clear and Transparent
Process
We explain our services, process, expected timeline, and costs before enrollment.
Credit Education
Included
We help clients understand the habits and strategies needed to establish and maintain stronger credit.
Ongoing Progress
Updates
Clients receive communication and progress updates throughout the service process.
Credit Issues We Can Help
Review and Address
Late Payments
Collections
Charge-Offs
Repossessions
Medical Collections
Bankruptcies
Student Loan Reporting
Hard Inquiries
Identity Theft Accounts
Incorrect Personal Information
We review and dispute information believed to be inaccurate, incomplete, unverifiable, outdated, or the result of identity theft. Accurate and current negative information cannot be guaranteed for removal.
How It Works
01
Enroll in Your Program
Choose the option that suits your needs, complete your service agreement, and submit your onboarding documents through our secure process.
02
We Handle the Disputes
Our team reviews your credit reports and challenges eligible inaccurate, incomplete, or unverifiable negative reporting with the appropriate bureaus and information furnishers.
03
Follow Your Progress
Access your client portal to follow activity and updates. We typically review responses and share progress reports every 30–45 days during active dispute rounds.
Choose Your Program
Choose the credit dispute assistance program that works for your goals and preferred payment structure.
FEATURED PROGRAM
Credit Reset Program
Flexible ongoing credit dispute support with monthly service rounds, education, and progress tracking.
$99 /month
PROGRAM INCLUDES
- Monthly dispute service rounds
- Review and assistance for eligible negative reporting
- Experian, Equifax and TransUnion
- Progress updates every 30–45 days
- Personalized Credit Action Plan
- Ongoing credit education
- 24/7 client portal access
- Review of eligible late payments, collections, charge-offs, inquiries, repossessions, bankruptcies, medical debt, child-support and student-loan reporting
FOUR-ROUND OPTION
Credit Restore Complete
A defined four-round service program for clients who prefer one overall program price.
$449 /one-time price
PROGRAM INCLUDES
- Four dispute service rounds
- Review and assistance for eligible negative reporting
- Experian, Equifax and TransUnion
- Progress updates every 30–45 days
- Personalized Credit Action Plan
- Credit education and guidance
- 24/7 client portal access
- Review of eligible late payments, collections, charge-offs, inquiries, repossessions, bankruptcies, medical debt, child-support and student-loan reporting
Prices shown are proposed program prices, not authorization to collect advance payment. Final billing terms, service milestones, agreements and cancellation rights must comply with applicable law. Credit monitoring may involve a separate fee. Results are not guaranteed.
Client Experiences and Success Stories
Testimonials reflect individual experiences. Results vary, and no specific credit-score increase, deletion, approval, or funding amount is guaranteed.
Mercy Doles
Founder of Valora Consulting Group LLC
Meet the Founder
Hi, I'm Mercy Doles, founder of Valora Consulting Group LLC.
As an entrepreneur, I learned firsthand that credit is more than a number. It can affect your ability to secure housing, finance a vehicle, grow a business, obtain funding, and take advantage of new opportunities.
Like many people, I was not taught everything I needed to know about personal and business credit. I had to educate myself, learn how credit reporting works, and better understand the steps required to build a stronger financial foundation.
That journey inspired me to create Valora Consulting Group.
Valora was founded to provide individuals and entrepreneurs with clear, personalized guidance in:
- Personal credit education and improvement
- Credit-report review and dispute assistance
- Business-credit building
- Funding-readiness preparation
My goal is to help clients move from:
- Confused to Educated
- Overwhelmed to Empowered
- Unprepared to Financially Ready
My philosophy is simple:
Credit should be understood — not feared. Financial education creates better decisions. Stronger preparation can create greater opportunities.
At Valora, we do not make unrealistic promises or guarantee specific results. Instead, we provide honest guidance, personalized strategies, and education to help you make informed decisions about your financial future.
Welcome to Valora Consulting Group, where knowledge becomes confidence and preparation creates opportunity.
FIX MY CREDIT NOW →Frequently Asked Questions
Do I Need a Consultation?
No. A consultation is not required to begin enrollment.
You can select a program online, complete your onboarding, and communicate with our team through email and your client portal.
If you would like additional guidance, request a consultation here.
What Negative Items Are You Able to Remove?
We assist with challenging eligible reporting issues involving collections, inquiries, charge-offs, repossessions, late payments, medical debt, bankruptcies, child-support reporting, student loans, and more.
Every report is unique. We review potentially inaccurate, incomplete, outdated, or unverifiable information. Accurate negative information cannot be guaranteed for removal.
How Long Does It Take to See Results?
Every credit profile is different, so there's no guaranteed timeline. Credit bureaus generally investigate disputes within about 30 days, although some cases take longer.
We typically review available results and provide progress updates every 30–45 days during active dispute rounds. Some clients may need multiple rounds depending on the reporting issues involved.
How Do I Get Started?
Select your program, complete the required service agreement and onboarding documents, and provide your information through our secure client process.
Once the required steps are complete and applicable cancellation rights have been observed, our team can begin the agreed credit-report review and dispute work.
What Is a Credit Monitoring System?
A Credit Monitoring System (CMS) is a third-party service that helps you access credit-report information and monitor changes over time.
If CMS access is required for your program, keeping it active helps our team review current information, compare reporting changes, and prepare the appropriate next steps.
An inactive account may delay progress reviews or cause certain services to pause until updated reports become available.
Credit monitoring may involve a separate monthly fee charged by the provider. Any required subscription will be disclosed before enrollment.
DON'T LET YOUR PAST
DEFINE YOUR FUTURE.
Take the next step toward understanding your credit and addressing eligible reporting concerns with support from Valora Consulting Group.
FIX MY CREDIT NOW →
VALORA CONSULTING GROUP LLC
Continue Your Enrollment
Enter your information to continue to your selected program.