+156 / +226 / +168 points
Client completed 3-session package · applied recommended strategy across all bureaus · April 2026.
Client outcomes
The proof is in the clients.
Every number on this page comes from a real client who acted on the recommendations from our consulting engagement. With our diagnosis. With our strategy. With our coaching.
Client outcomes
Real clients. Real consulting. Real outcomes.
Every screenshot below is from a real consulting client of Finance by MD. Our clients make every move on their own credit, we provide the diagnosis, strategy, and coaching. Shared with permission.
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Clients Served
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Avg Score Increase
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Client Satisfaction
Score increases
Real before-and-after scores.
Verified Client · 3 bureaus tracked
+25 / +114 / +145 points
Client-led work after consulting engagement · February 2026 · TransUnion landed at 723.
+27 / +32 / +20 points
Maintenance round on Advisory Retainer · February 2026 · scores held in the 760s.
+15 / +26 / +15 points
Steady-build phase guided by consulting plan · December 2025 · TransUnion at 748.
+55 / +48 / +53 points
Recovery work after applying §611 strategy from session notes · January 2026.
Client-led disputes
Inaccurate items, removed by clients.
14 items deleted in a single round
Client-led dispute round after consulting engagement · Collections marked deleted across Experian and TransUnion, including a $457 CBE Group account.
Three accounts removed from TransUnion
Client outcome following consulting package · applied FCRA §611 strategy with our guidance, BK of Amer ($5,773), Capital One ($289), Pentagon FCU ($9,435).
In their own words
Messages from clients.
“Mariiiiii!!! My score went up so much, are we ready to apply now???” · 788 FICO · +144 pts.
“Thank you so much for your professionalism… I'm so grateful.”
