We turn credit challenges into credit you can use.
ScoreMend helps individuals, families, and business owners repair their credit, build it the right way, and reach the goals that good credit makes possible.
Credit affects everything. We take that personally.
Credit problems can stand between you and a home, a car, a business loan, even some jobs and rentals. Our mission is to help you correct what's wrong on your report, understand how credit really works, and leave with a profile that opens doors.
We don't believe in one-size-fits-all. Every plan is built from your actual reports, and you'll always know what we're doing and why.
Years of experience
Helping clients who lacked credit knowledge build lasting results.
Bureaus covered
Equifax, Experian, and TransUnion on every plan.
Dedicated advisor
One point of contact who knows your file and your goals.
Consultation
Your first credit review is always free.
What working with us looks like.
Free initial consultation
We review your credit with you and recommend a plan before you spend a dollar.
A dedicated credit advisor
Someone who knows your file, answers your questions, and keeps you updated.
Flexible service plans
Three monthly levels of support, from core disputes to full-service help with complex files.
Credit-building options
Access to secured credit products through financial partners, plus authorized user tradelines that can add credit age and help lower utilization.
Long-term monitoring
Credit monitoring and education so your results last after your plan ends.
Personal and business credit
From your personal score to your company's business credit profile and funding readiness.
Meet our founder
Shermon James
CEO & Founder
"I started ScoreMend because I saw how much a credit report decides for people: the home they can buy, the rate they pay, the business they can start. Too many people were paying more simply because no one showed them how the system works. Our job is to challenge what doesn't belong on your report, show you how to build what does, and stay with you until your credit works for you."
Backed by a full financial firm.
ScoreMend, LLC has partnered with Exquisite Consulting Services, an accounting, tax, and business advisory firm serving clients since 2006. When your credit goals connect to taxes, a new business, or funding, you have an experienced team behind you.
How we work
Honest
We never promise a score or a removal. We tell you what's realistic for your file.
Transparent
Clear pricing, a written agreement, and progress you can see in your portal.
Educational
We explain the why, so you can keep your credit strong on your own.
Private
Your documents and data are handled with care and used only for your file.