Above N Beyond
& Associates
Strategic Credit Repair & Funding Guidance for &
Individuals and Businesses
We help individuals and business owners strengthen their credit profiles and explore funding opportunities through strategic, compliant guidance.
We Go Above N Beyond
For Your Financial Future
Above N Beyond & Associates is a premier credit repair and funding company dedicated to helping individuals and businesses unlock their full financial potential. We don’t just focus on credit repair — we help you build a stronger financial foundation that may improve your ability to qualify for future funding opportunities.
Our expert team uses proven, legal strategies backed by the Fair Credit Reporting Act to challenge inaccurate, outdated, or unverifiable negative items, support credit score improvement, and help position your profile for stronger funding consideration — whether that's business loans, personal loans, or lines of credit.
"From Credit Repair to Funding Approval — we transform your financial story from one of struggle to one of strength and opportunity."
Honest, transparent service every step of the way
Proven track record of real, measurable outcomes
Your success is our success — always by your side
We empower you with financial knowledge for life
We Challenge Inaccurate Negative
Items Under Federal Law.
Negative items on your credit report may affect interest rates, application outcomes, and financial opportunities. We review and challenge inaccurate, outdated, or unverifiable items using federal consumer protection laws.
Our Premier Services
Comprehensive financial solutions designed to repair your credit and unlock the funding your life and business deserve.
We legally challenge inaccurate, outdated, or unverifiable late payments, collections, charge-offs, bankruptcies, and other negative items with the major credit bureaus.
Learn MoreAccess business lines of credit, SBA loans, equipment financing & merchant cash advances. We guide you through lender preparation, application readiness, and available funding options.
Learn MorePersonal loans, credit cards & lines of credit — we help you qualify once your credit profile is repaired and optimised for maximum approval.
Learn MoreReal-time credit monitoring, score tracking & personalised alerts to protect and continuously grow your credit profile over time.
Learn MoreEstablish a strong business credit profile with Dun & Bradstreet, Equifax Business & Experian Business for long-term funding access.
Learn MoreOne-on-one coaching sessions teaching credit-building strategies, budgeting & financial habits for sustained wealth creation and financial independence.
Learn MoreExplore Funding Options That Fit Your Goals
Once your credit is repaired, we connect you with the right funding options for your personal and business goals.
Flexible revolving credit lines for everyday business expenses, inventory, payroll, and growth opportunities with streamlined application support.
Government-backed SBA 7(a) and SBA 504 loans with low interest rates and long repayment terms for qualified businesses.
Finance or lease the equipment your business needs — vehicles, machinery, technology — with fast funding and clear application guidance.
High-limit business credit cards with cashback rewards and 0% intro APR periods to fund day-to-day operations efficiently.
Fix-and-flip loans, DSCR loans, and private money lending for residential and commercial real estate investors.
Unsecured personal loans and credit cards with competitive rates once your credit profile is restored and fully optimised.
Not sure which funding option is right for you? Take our free survey and we'll match you with the potential options based on your profile, goals, and eligibility.
Your Path Toward Stronger Credit and Better Financial Options
Our process is designed to help you understand your credit, take strategic action, and explore future funding opportunities.
Book your free consultation. We review your credit reports, assess your financial goals, and create your personalised action plan.
We begin reviewing and challenging inaccurate, outdated, or unverifiable items across the major bureaus using compliant dispute strategies.
Track your progress as bureau responses are received, updates are reviewed, and eligible items are addressed. Most clients see significant improvement within 30–45 days.
With improved credit, we connect you with lenders and guide you through the funding application for stronger application readiness.
Why We're the
Best Choice
We use lawful dispute methods and ethical credit repair strategies — no misleading tactics or false promises. Our approach is designed to support long-term credit improvement and lasting results.
Many clients begin seeing progress within the first 30–45 days, depending on their credit profile and reporting history. We provide consistent communication, measurable progress tracking, and strategic credit guidance throughout the process. Progress is tracked and verified monthly so you always know where you stand.
We're the only partner you need. We repair your credit AND help you get funded — a seamless journey from start to final approval with no handoffs.
You'll have a dedicated specialist who knows your case inside and out. Real people, real answers, real support whenever and wherever you need it.
Got Questions?
We Have Answers.
Everything you need to know about credit repair and funding.
Questions
Many clients begin seeing progress within the first 30–45 days, depending on their credit profile, reporting history, bureau response times, and the complexity of the items being challenged. Full results vary and may take several months.
Absolutely. Credit repair is 100% legal and your rights are protected under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA). You have the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit report. We exercise those rights on your behalf.
We can dispute and potentially remove late payments, collections, charge-offs, repossessions, bankruptcies, foreclosures, judgments, tax liens, medical bills, student loan delinquencies, and hard inquiries. Results vary based on the accuracy and verifiability of each item.
Requirements vary by funding type. Most business lines of credit prefer a score of 680+. SBA loans typically require 640+. Through our combined credit repair and funding approach, we help clients qualify even if they're not quite there yet — we repair first, then fund.
Our pricing is transparent and affordable with no hidden fees. We offer flexible payment plans to fit your budget. Book a free consultation to receive a personalised quote based on your specific credit situation and goals. We believe everyone deserves access to effective credit repair services.
Yes. We simultaneously dispute negative items with all three major credit bureaus — Experian, Equifax, and TransUnion — to ensure comprehensive coverage and the maximum possible score improvement across all three of your credit reports.
Ready to Transform
Your Financial Future?
Don't let bad credit hold you back another day. From credit repair to funding approval, we handle everything — so you can focus on building the life and business you deserve. Your journey to financial freedom starts with one free consultation.