Booking
Book your session
Five short steps. Your program comes first, so you see exactly what you are paying for, then your state is confirmed inside the flow. Payment by card is taken at the final step.
- Step 1Your program
- Step 2Intake
- Step 3Compliance check
- Step 4Agreement
- Step 5Payment & schedule
Your program
Credit Readiness Education
What actually moves a credit score, and what does not.
A consumer-education engagement on the mechanics: utilization, payment history, inquiries, account age and mix. You leave knowing which two levers matter for your file, what to stop doing, and where your state's rules shape the work. This is education, never credit repair.
From $75 per 30 minutes · Secure video nationwide or in office in Florence, SC · Card payment at the final step. Read this page before you book: it is exactly what the engagement includes.
Your coaching roadmap
Built with you at the intake session, then written down and kept.
- A read of your own report, line by line, in plain language.
- The levers that matter most for your file.
- A 90-day behaviour plan for utilization and on-time payments.
- Referral to a licensed provider for anything outside education.
What every engagement includes
The same delivery standard behind every service, whatever the topic.
- 01
Intake assessment & roadmap
A structured intake that ends in writing: current situation, desired outcome, 30-day goals, 90-day goals and a six-month vision.
- 02
Action plan after every session
Three to five action items with deadlines, resources to review and reflection questions, sent within a day.
- 03
Session recap
Key discoveries, breakthroughs, decisions made, next actions and accountability commitments, written down each time.
- 04
Progress tracking
Goals, habits, milestones, progress scores and session attendance tracked so progress is visible rather than remembered.
- 05
Workbook & resource library
Assessments, worksheets, exercises and templates for your service, plus a workbook that holds your notes and reflections.
- 06
Progress & completion reviews
A formal review every four to six sessions, and a written success plan at the end of the engagement.
Inside your sessions
The actual exercises used in this service, not a description of coaching in general.
- Report walk-through and error spotting.
- Utilization math on your own balances.
- Payment timing exercise.
- Inquiry and application discipline drill.
Your written action plan
A sample of what comes out of a session in this program.
- Pull all three reports and log every account.
- Dispute one factual error in writing if one exists.
- Set utilization below your target threshold before statement close.
- Pause all new applications for ninety days.
Between-session assignments
Implementation work, because the change happens between sessions.
- Log every statement balance and payment date for two cycles.
- Track every credit inquiry for ninety days.
Your resource library
Handouts and templates you keep.
- Credit report checklist
- Utilization worksheet
- Payment timing guide
- State-specific disclosure sheet
How progress is measured
Measurable outcomes reviewed at each progress review.
- Utilization percentage
- On-time payment streak
- Open inquiries
- Understanding of your own report, self-rated and re-rated
Choose your session length
Your session length sets the time we hold for you and the price you pay at the final step.
Scope of coaching
Our coaching process focuses on education, personal development, skill-building, goal achievement, accountability, decision-making, and performance improvement. We do not diagnose, treat, or provide therapy, counseling, financial advisory services, legal advice, medical care, or other licensed professional services. Clients remain responsible for all decisions and actions taken based on coaching discussions. Advisory, CFO, bookkeeping and tax services are provided under a separate written engagement agreement and are not part of a coaching session.
Choose your session length above to continue.
Melissa Frierson, MBA · LifePath Navigator · 503 Second Loop Rd, Florence, SC 29505 · (843) 612-9373 · Policies