Credit Services

Welcome to the Night Owl Investors Credit Services Department — where we help you take control of your financial future and become creditworthy with clarity, speed, and support.

Our mission is simple: rebuild, restore, and strengthen your credit profile so you can confidently pursue the things that matter — renting a home, financing a car, or qualifying for a major purchase. Your success is our success.

How It Works

  • Share your goals and current credit situation (scores, reports, timeline).
  • We evaluate your profile and design a targeted plan.
  • Our team drafts and sends dispute letters, communicates updates, and guides you through positive credit-building steps.
  • Everything is handled virtually via email, phone, and video for maximum convenience.

Packages & Pricing

Essential Credit BoostMost Popular

$ 49.99

One Time
  • Full 3-bureau credit report review
  • Personalized 30-day action plan
  • Up to 5 dispute items drafted and mailed to all three bureaus (1 round)
  • Challenge up to 2 hard inquiries (where applicable)
  • Email support for 30 days
  • Delivery: Plan within 3 business days; letters mailed within 5 business days
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Plus Credit RestoreMost Popular

$ 149.99

One Time
  • Everything in Essential
  • Up to 12 dispute items across two rounds (60-day window)
  • Creditor/collector validation letters (up to 3 accounts)
  • Goodwill and pay-for-delete letter templates + guidance
  • 30-minute coaching call + biweekly progress check-ins (60 days)
  • Rent/utility reporting setup guidance for tradeline building
  • Delivery: Plan within 2 business days; first letters mailed within 3 business days
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Priority Credit RebuildMost Popular

$ 299.99

One Time
  • Everything in Plus
  • Up to 25 dispute items across three rounds (90-day window)
  • Expedited processing and same/next-business-day onboarding
  • Inquiry challenges (up to 10, where applicable)
  • 30-minute coaching call + biweekly progress check-ins (60 days)
  • 90-day rebuild roadmap + weekly progress updates
  • Dedicated specialist, secured card recommendations, and score-monitoring setup guidance
  • Delivery: Same/next-business-day plan; first letters mailed within 48 hours
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Notes

  • We provide expert dispute drafting, mailing, and guidance; outcomes and timelines are governed by the credit bureaus and furnishers.
  • Lead times and item counts depend on documentation provided and profile complexity.
  • Full terms, disclosures, and consent are presented at Stripe Checkout.

How to Get Started

  1. Obtain your updated credit report and scores
    • From any major credit bureau or an online credit monitoring service
  2. Complete our Credit Services Questionnaire
    • Helps us evaluate your situation and choose the best strategy
  3. Select a Package and Pay Securely via Stripe
    • Essential, Plus, or Priority — one-time fee, no recurring charges

What Happens Next

  • Accuracy disputes for late payments, collections, charge-offs, and duplicates
  • Inquiry challenges (where appropriate)
  • Creditor/collector validation requests
  • Goodwill and pay-for-delete strategies (with your approval)
  • Positive credit-building guidance (secured cards, rent/utility reporting, utilization tips)

Timeline & Expectations

  • Bureaus generally respond within 30–45 days of receiving disputes
  • We evaluate responses and plan next steps based on your package
  • Results vary by profile, documentation, and bureau/furnisher responses
  • We do not guarantee specific score increases or outcomes

Why Choose NOI for Credit Services?

  • Clear, affordable, one-time packages — no subscriptions
  • Hands-on dispute drafting and mailing to all three bureaus
  • Practical, ethical guidance to build positive history
  • Secure Stripe checkout and fast onboarding

Friendly Reminders

  • Our service saves time and provides structured expertise
  • Please maintain on-time payments and responsible credit usage during the process for best results
  • Terms, disclosures, and consent are presented at Stripe Checkout

Invest in a Better Tomorrow

  • Pick the package that fits your goals and timeline
  • Complete the Credit Services Questionnaire
  • Start your journey to a stronger financial future today

Questions? Email us: credit@nightowlinvestors.com

Credit Questionnaire