Credit Score Under 600?
Go From Renter to Homeowner in 90 Days
Thousands have trusted us to remove collections, late payments, and charge-offs from all 3 bureaus — and every plan comes with a 90-day satisfaction guarantee.
Meet Bernard
Founder & Principal Consultant, Calloway Credit Consulting
Bernard Jackson helps individuals and families achieve financial breakthroughs through strategic credit restoration, guiding clients from damaged credit to homeownership and long-term stability. After a personal health challenge shifted his perspective, he committed to creating lasting impact for his community.
His approach centers on complete transparency, personalized strategies, and solid legal foundations. At Calloway Credit Consulting, Bernard’s team has helped hundreds of clients overcome credit obstacles and secure major milestones like home purchases and business loans.
With 15 years of experience in credit repair and finance, Bernard combines industry expertise with genuine care, emphasizing ethical practices and regulatory compliance. His fundamental belief: everyone deserves access to the tools and support needed to build a secure financial future.
We’re Not Just Credit Repair. We’re Your Personalized Financial Partner
Most credit companies stop at disputes. We help you build.
Typical Credit Repair VS. Calloway Credit Approach
1. One-Size-Fits-All vs. Personalized Strategy
Typical Credit Repair
Uses the same generic letter templates for every client, regardless of your credit history or goals.
Calloway Credit
You get a customized game plan built from a deep-dive analysis of your actual credit report and financial objectives.
2. Disputes Only vs. Dispute + Build Approach
Typical Credit Repair
Focuses only on deleting negative items, with no plan to rebuild your credit strength.
Calloway Credit
We don’t just delete. We help you add tradelines, manage utilization, and build long-term credit health.
3. Slow or No Progress Updates vs. Real-Time Transparency
Typical Credit Repair
You’re left in the dark with limited or delayed updates.
Calloway Credit
You’ll have access to a secure client portal with real-time progress reports and monthly analysis breakdowns.
4. Outsourced Customer Support vs. Real People You Can Reach
Typical Credit Repair
Overseas support, long hold times, and impersonal service.
Calloway Credit
U.S.-based team, fast response times, and real humans who care about your success.
5. Basic Dispute Templates vs. Metro 2 + Legal Strategy
Typical Credit Repair
Uses standard FCRA templates that may get flagged or ignored.
Calloway Credit
Combines Metro 2 compliance tactics with legal language and consumer protection laws backed by litigation partners when needed.
6. Limited Disputes vs. Unlimited Dispute Support
Typical Credit Repair
Caps how many items they’ll dispute per month.
Calloway Credit
You get unlimited disputes for maximum efficiency and faster results.
7. Confusing Fees vs. Transparent, Fair Pricing
Typical Credit Repair
Hidden setup fees, long-term contracts, and upsells.
Calloway Credit
Start with a $1 trial, no contracts, and choose between two affordable plans that fit your budget.
Calloway Credit Consulting is for people who want real results, real education, and a real partner on the path to financial freedom.
Testimonials
Here’s How We Help You Rebuild Smarter
No guesswork. Just a personalized game plan.
Step 1
Book Your Free Strategy Call
Step 2
Get a Personalized Credit Game Plan
Step 3
Start Seeing Results in 90 Days
What You Get
1-on-1 Credit Coaching
Deep Credit Report Analysis
Unlimited Dispute Support
Tradelines to Reduce Debt-to-Income
Support from Real People Who Care
Legal Strategy (with Law Firm Partners)
Transparent Portal & Monthly Progress Reports
Got Questions?
How fast can I see results?
Many clients start seeing changes on their credit reports within the first 30 to 45 days — especially when it comes to negative item removals.
That said, every credit profile is different. Some clients see faster progress, while others may take closer to the full 90-day window we focus on.
What we guarantee is:
A full dispute strategy across all 3 credit bureaus
Regular progress updates
A 90-day satisfaction guarantee to give you peace of mind
If you're committed and responsive, we’ll move fast — and you’ll feel the momentum quickly.
Do I need a certain score to start?
Not at all. Whether your score is in the 500s, 400s — or even if you’re starting from scratch — we can help.
This program is built for real people with real credit challenges, not just those who are “almost there.” In fact, many of our clients come in with scores below 600 and still make major progress within 90 days.
If you're ready to take action, you're ready to start — no matter where your score is today.
Do you help build credit?
Yes — absolutely. Credit repair is only part of the process.
We also help you:
Add positive accounts that report to all 3 bureaus
Establish the right credit mix (without opening unnecessary accounts)
Learn how to optimize payment history and utilization for maximum score growth
Our goal isn’t just to clean up your past — it’s to help you build a strong, lasting credit future.
What if I’ve used other services?
That’s totally fine — in fact, most of our clients come to us after trying free apps or monthly credit repair subscriptions that didn’t deliver.
At Calloway Credit, we do things differently:
No generic templates — everything we do is tailored to your actual credit reports
We dispute directly with all 3 bureaus using legal, proven strategies
One-time flat fee — no ongoing charges, no surprises
90-day satisfaction guarantee to back it all up
Even if nothing worked before, this is where things can finally start to change.
You Deserve More Than Just a Score. Let’s Build Your Path to Financial Freedom.
