Everything You're Wondering About.

Credit repair is the process of identifying inaccurate, outdated, or unverifiable items on your credit report and disputing them with the three major credit bureaus (Equifax, Experian, and TransUnion). Under the Fair Credit Reporting Act (FCRA), consumers have the right to challenge any information on their report that cannot be verified. When items are successfully removed, your credit score typically improves. At TaxFunders Financial Group, we go beyond disputes — we also help you build positive credit history and give you the financial education to maintain your results.

Most clients begin to see meaningful improvements within 60–90 days of starting the program, with continued progress over the following months. The timeline depends on your starting score, the complexity of your credit history, and how actively you participate in the program. We'll give you an honest timeline estimate during your free strategy call.

In many cases, yes. Bankruptcies, foreclosures, collections, late payments, charge-offs, repossessions, and judgments can all be challenged if they are inaccurate, incomplete, or unverifiable. We always provide a transparent assessment of what is and isn't achievable in your specific situation. We won't make promises we can't keep.

No. The dispute process does not negatively impact your credit score. In fact, initiating disputes can sometimes temporarily show an item as "in dispute," which may actually pause negative reporting. The process itself is consumer-friendly and designed to protect your rights.

Requirements vary by loan type. FHA loans typically require a minimum 580 score with 3.5% down. Conventional loans usually require 620+. VA loans have no official minimum but most lenders want 580–620. The higher your score, the better your interest rate — which can save you tens of thousands of dollars over the life of a loan. We help clients get their scores to lender-ready levels and understand exactly what lenders look for beyond just the score.

Yes — everything we do is technically something you can do yourself. The question is whether you have the knowledge, time, and persistence to do it effectively. Many people attempt DIY credit repair and get limited results because they don't know which items to target, how to write effective dispute letters, or how to build positive history strategically. Our value is in the expertise, strategy, and accountability we bring to the process — plus the education so you can maintain your results forever.

The full program includes: credit analysis and dispute strategy, credit education (how the system works and how to use it), budget planning and financial habit coaching, debt reduction planning, lender readiness preparation, homeownership education, and ongoing support and monitoring throughout the program. It's truly comprehensive — not just credit repair.

Pricing is discussed during your free strategy call, as costs depend on the complexity of your situation and the program length that best fits your goals. We offer transparent, flat-fee pricing — no percentages, no hidden fees, no surprise charges. We believe in making our services accessible and affordable without cutting corners on quality.

Most clients see best results in a 6–12 month program. We offer different program lengths depending on your goals and starting point. During your free consultation, we'll recommend the right duration based on your specific situation and what you're trying to achieve.

Not at all. We work with clients at all income levels. Credit strategy, budgeting, and financial education benefit everyone — regardless of how much you earn. In fact, financial coaching often helps clients find more money in their existing budget that they didn't realize they had.

We prepare federal and state tax returns for individuals, married couples, families with dependents, and self-employed clients (freelancers, contractors, gig workers, and small business owners with Schedule C). We also assist with prior year returns for clients who missed filing in previous years.

No — our entire tax preparation process is 100% virtual. You securely upload your documents, we prepare your return, you review and e-sign digitally, and we file electronically. You never need to leave your home. We work with clients across the country.

You're not alone — and it's fixable. We help clients catch up on prior year returns with zero judgment. Filing late is always better than continuing to not file. The IRS allows you to claim refunds for up to 3 years past, and we can also help negotiate payment plans for any taxes owed.

We take a thorough approach to every return — asking detailed questions about your situation to identify every credit and deduction you qualify for. We also compare your return year-over-year to flag anything that changed. Our clients consistently report receiving significantly larger refunds than they got from big-box tax chains or DIY software.

Yes, completely. Your initial strategy call is free, with no obligation. We use that time to understand your situation, answer your questions, and determine whether our program is a good fit for your goals. There's no pressure to sign up — we want you to feel confident before you commit to anything.

Click the "Book Your Free Credit Consultation" button anywhere on our site — it takes you straight to Steven’s calendar so you can pick a time that suits you. You can also reach us via our Contact page or by phone. We typically respond within 24 hours.

Absolutely. Our services are fully virtual, which means we work with clients across the United States. Whether you're in the same city as us or across the country, you get the exact same level of service, communication, and results.

Reach out! We love answering questions. Contact us through our Contact page, by email, or by phone. There's no such thing as a silly question when it comes to your financial future — we're here to help you feel informed and confident every step of the way.

Yes. TaxFunders Financial Group is a registered business founded and led by Steven Figueroa. We operate with full transparency — no hidden fees, no false promises, and no shady tactics. You can find us on Google Business, check our reviews, and speak directly with Steven or a team member before making any decision. We're proud of our reputation and our results.

That's exactly what the free strategy call is for. We'll have an honest conversation about your situation, your goals, and whether our program is the right solution. If we're not the right fit, we'll tell you that too — and point you in the right direction. We only take on clients we believe we can genuinely help.

Absolutely — and many of our clients do exactly that. Having both services under one roof means Steven knows your full financial picture, which helps us provide even better strategy across the board. We also offer bundled pricing for clients who use both services.