Your Credit Score Is an Asset.
We Protect It Like One.
Advanced credit consulting powered by FCRA compliance enforcement and consumer rights auditing — built for real people and serious investors who refuse to let automated bureau errors dictate their financial future.
No credit card required. Confidential consultation.
Your Family Deserves a Clean Foundation.
I started Everyone’s Consulting LLC because I saw the same story playing out over and over — hardworking people, first-time homebuyers, and savvy real estate investors all getting crushed by a system designed to keep them locked out. Automated bureau processing doesn’t care about your dreams. It flags errors, misclassifies accounts, and buries disputes in algorithmic black holes.
I built this firm to do what the bureaus won’t — fight for your financial identity. We audit every line, enforce every right under the FCRA, and build a long-term generational wealth map so your credit profile becomes a springboard, not a bottleneck.
Whether you’re chasing your first mortgage, scaling a real real estate portfolio, or simply tired of being reduced to a three-digit number — I’ll be personally involved in every step of your restoration.
James Stone
Senior Credit Advisor • Everyone’s Consulting LLC
Precision Credit Restoration.
Every service is backed by federal enforcement action and decades of combined bureau-navigation expertise.
Consumer Credit Auditing
A comprehensive forensic audit of all three bureau reports (Equifax, Experian, TransUnion) identifying unreported errors, unverifiable accounts, duplicate entries, and re-aged debts that violate FCRA guidelines.
Bespoke Profile Restructuring
Custom credit-building architecture tailored to your goals — whether that’s mortgage-readiness in 90 days, investor portfolio optimization, or establishing a generational credit lineage for your family’s future.
Bureau Compliance Enforcement
Formal enforcement action under FCRA §611, §616, and §617 — holding Experian, Equifax, and TransUnion legally accountable to investigate and correct violations within statutory timelines. No more 30-day runarounds.
How It Works.
A proven 4-step system designed to restore your profile and protect your financial future.
Free Audit
We pull all three bureau reports and identify every actionable error, unverifiable account, and FCRA violation — at no cost.
Strategic Dispute
We file precision disputes citing specific FCRA statutes, forcing bureaus to legally verify or delete flagged items within 30 days.
Enforcement
If bureaus fail to comply, we escalate to formal statutory enforcement — holding them accountable under federal law for willful non-compliance.
Wealth Mapping
We build a long-term generational credit strategy so your profile becomes a financial springboard — not a bottleneck — for decades to come.
Real People. Real Results.
“I came in with a 540 score and three collections I didn’t recognize. Within 90 days, my score jumped to 720 and all three were removed. These guys don’t play.”
Marcus R.
Tampa, FL • Real Estate Investor
“After two years of trying to fix my credit on my own, James and his team got me mortgage-ready in 4 months. My wife and I just closed on our first home.”
Keisha T.
Lutz, FL • First-Time Homebuyer
“The enforcement team held Experian accountable after they kept ‘losing’ my disputes. Within 30 days, 6 of 8 negative items were deleted. Absolute professionals.”
David W.
Tampa Bay, FL • Small Business Owner
Transparent Pricing.
No hidden fees. No subscriptions. You pay for results — not promises.
One-Time • Full Bureau Audit
- ✓ All three bureau report analysis
- ✓ Forensic error identification
- ✓ Custom dispute strategy
- ✓ Written action plan
One-Time • Full Service
- ✓ Everything in Essential Audit
- ✓ Direct bureau dispute filing
- ✓ 30-day follow-up & escalation
- ✓ Credit building strategy
- ✓ Generational wealth roadmap
One-Time • Portfolio-Level Service
- ✓ Everything in Professional
- ✓ Multi-entity profile optimization
- ✓ Business credit architecture
- ✓ Priority enforcement escalation
Active Case Audit Requirements
To build precise files, clients must maintain an active FICO® data monitoring loop. Sign up below to pull your raw scores instantly.
Select Your Infrastructure Monitoring Feed
Powered securely by IdentityIQ / MyScoreIQ partnerships
Secure Tier
$1.00 First 7 Days Trial
1 Bureau Credit Report, FICO® Score, and 365-day active tracking protection.
Preferred RECOMMENDED
$1.00 First 7 Days Trial
Full 3 Bureau Reports & FICO® Scores, real-time identity alerts, and fraud desk loops.
Max Enterprise
$1.00 First 7 Days Trial
Full FICO® Lending Industry Scores, Auto/Bankcard variants, and comprehensive trace audits.
Common Questions.
How long does the restoration process take?
Most clients see meaningful results within 30-60 days. Bureaus are legally required to respond within 30 days, but complex cases involving multiple disputes may take 90+ days for full resolution.
Is this legal? Can I do this myself?
Absolutely — the FCRA gives you the right to dispute any inaccurate information on your credit report for free. We simply professionalize the process, cite the correct legal statutes, and handle the bureaucratic heavy lifting.
Will disputing items lower my score?
No. Disputing an item removes it from consideration entirely. If the dispute is successful, the negative item is removed — which can only help your score.
Control
Schedule your free, no-obligation credit audit today. We’ll review your current profile, identify actionable violations, and map out a clear path to restoration.
GET STARTED
Request Your Free Audit
Fill out the form below and we’ll get back to you within 24 hours.
EVERYONE’S CONSULTING LLC
2304 Willow Branch Ave
Lutz, FL 33549
Executive Operations Desk
Principal Director: James Stone
Priority Direct Line: 786-931-7044