revive your credit with the Start over rescue plan - guaranteed!
Fast, Effective Credit Repair with No Risk – Pay Nothing Unless We Deliver Results!
✅ Guaranteed Results or You Pay Nothing!
✅ FREE Credit Analysis to Identify Problem Areas.
✅ Proven Strategies to Remove Negative Items and Boost Scores.
✅ Personalized Rescue Plan Tailored to Your Credit Goals.
✅ Transparent, No-Hidden-Fees Process That Works.
revive your credit with the Start over rescue plan - guaranteed!
Fast, Effective Credit Repair with No Risk – Pay Nothing Unless We Deliver Results!
✅ Guaranteed Results or You Pay Nothing!
✅ FREE Credit Analysis to Identify Problem Areas.
✅ Proven Strategies to Remove Negative Items and Boost Scores.
✅ Personalized Rescue Plan Tailored to Your Credit Goals.
✅ Transparent, No-Hidden-Fees Process That Works.
Boost Your Credit Score in 15 days
Why Choose Us? Here’s the Value We Bring to You:
🛠️ Step-by-Step Guidance
Clear, actionable strategies designed to make progress simple and effective.
📲 Mobile App with Real-Time Results
Stay updated on your credit journey with instant notifications and progress tracking.
🤝 Personalized Support
Your dedicated credit analyst will be with you every step of the way.
🏆 Proven Track Record
Thousands of happy clients have trusted us to help fix their credit.
💡 Powerful Tools You Can Count On
Access cutting-edge resources to make credit repair efficient and stress-free.
✨ Real Results You Can See
Experience a journey where every improvement is visible and celebrated.
Boost Your Credit Score in 15 days
Why Choose Us? Here’s the Value We Bring to You:
🛠️ Step-by-Step Guidance
Clear, actionable strategies designed to make progress simple and effective.
📲 Mobile App with Real-Time Results
Stay updated on your credit journey with instant notifications and progress tracking.
🤝 Personalized Support
Your dedicated credit analyst will be with you every step of the way.
🏆 Proven Track Record
Thousands of happy clients have trusted us to help fix their credit.
💡 Powerful Tools You Can Count On
Access cutting-edge resources to make credit repair efficient and stress-free.
✨ Real Results You Can See
Experience a journey where every improvement is visible and celebrated.
MEET THE FOUNDER & CEO
Hey, I’m Gene Ryland AKA
THE CREDIT STUD
I am dedicated to helping individuals and entrepreneurs achieve financial freedom. My journey began with repairing my own credit, learning the laws, and disputing inaccuracies. What started as a personal mission grew into helping friends, family, and now thousands of clients.
With over 15 years of experience, I’ve mastered the complexities of the credit system and delivered real results:
Improved credit scores for thousands, opening doors to new opportunities
Provided personalized credit repair strategies tailored to individual needs
Educated clients on financial literacy to maintain long-term success
Assisted entrepreneurs in accessing capital to launch and grow their ventures
If I can rebuild my life and credit, you can too.
MEET THE FOUNDER & CEO
Hey, I’m Gene Ryland AKA
THE CREDIT STUD
I am dedicated to helping individuals and entrepreneurs achieve financial freedom. My journey began with repairing my own credit, learning the laws, and disputing inaccuracies. What started as a personal mission grew into helping friends, family, and now thousands of clients.
With over 15 years of experience, I’ve mastered the complexities of the credit system and delivered real results:
Improved credit scores for thousands, opening doors to new opportunities
Provided personalized credit repair strategies tailored to individual needs
Educated clients on financial literacy to maintain long-term success
Assisted entrepreneurs in accessing capital to launch and grow their ventures
If I can rebuild my life and credit, you can too.
What Our Clients
Are Saying
"60 Points in 3 weeks!"
I was skeptical at first, but the process was so smooth and transparent. Gene walked me through every step, and within 3 weeks, I had my score went up 60 points. We are now in the credit building phase. Highly recommend The Credit Stud.
— Carmen S, ER RN
"Completely Removed All Negative Items 😁"
I've tried other credit repair companies, but they didn't get it done. I had a repo, and several medical charge offs after I had my daughter. Gene and his team fought for me until everything came off.
He did what he said he was going to do. I liked that they
guaranteed results. No one else did that.
— Jessica L, Restaurant Owner
"The Credit Stud Helped Me Turn Things Around"
The Credit Stud is awesome! When I first reached out, I wasn’t sure if I could ever fix my credit, but they really came through for me. They explained everything in a way I could actually understand and worked with me step-by-step to fix my report and boost my score.
In just a few months, my credit improved so much that I was able to get approved for a business loan I thought was impossible. What I loved most is that they didn’t just help fix my credit—they taught me how to keep it on track and use it to build a better future.
If you need help with your credit, I totally recommend The Credit Stud. They’re not just about numbers—they’re about helping you succeed. Definitely five stars!
— Robert S, E-commerce Entrepreneur
"How The Credit Stud Helped Me Build a New Future"
As a young woman trying to start my own business, I didn’t think my credit was holding me back until I kept getting denied for loans. I found The Credit Stud, and it was the best decision I could’ve made. They broke everything down for me—no confusing terms or feeling judged—and showed me exactly what steps to take.
Within a few months, I went from being stuck to getting approved for a small business loan! They didn’t just help me fix my score; they taught me how to build and maintain good credit for the future. The confidence I feel now is something I didn’t think was possible.
If you’re serious about making a change and taking control of your finances, don’t wait. The Credit Stud truly cares about helping people succeed. I’ll forever be grateful for their support.
— Emily R, Real Estate Investor
"Finally Got Approved!"
Thanks to The Credit Stud, I was able to get approved for my first credit card. They made the process stress-free and even fun to learn about!
— David M, Marketing Agency Owner
"Best Decision Ever!"
The Credit Stud totally turned my situation around. My credit went from embarrassing to something I’m proud of. These guys are the real deal.
— Tanya K, Health & Wellness Entrepreneur
STILL NOT unsure?
Frequently Asked Questions
Here are some questions you still may have...
Q1: What type of credit repair services do you offer?
Our service handles everything for you. We review your credit report, identify inaccuracies, and leverage consumer protection laws like the Consumer Credit Act to dispute derogatory items on your behalf. You can rely on us to navigate credit complexities while you focus on your priorities.
Q2:How long does the credit repair process take?
Typically, our process ranges from 45 days to 90 days. However, timelines can vary based on the complexity and number of items we need to address on your credit report.
Q3: What kind of negative items can you help remove from my credit report?
We specialize in removing a variety of negative items, including late payments, charge-offs, collections, bankruptcies, inaccurate personal information, and hard inquiries.
Q4: Are there any guarantees that my credit score will improve?
While we can’t guarantee specific outcomes due to the unique nature of each situation, we offer a guarantee: if we don’t improve your credit score, you pay nothing.
Q5:Can I track the progress of my credit repair?
Absolutely! With our mobile app, you’ll have constant communication and real-time updates on the progress and activities related to your file. Stay informed every step of the way.
Q6: What sets your credit repair service apart from others in the industry?
Our decade-long experience collaborating with law firms ensures expert handling of disputes with creditors. We prioritize compliance, offering a hassle-free “Do It For You” approach. Plus, our proactive communication through our mobile app keeps you informed at every stage.
Q7: How do you handle disputes with credit bureaus and creditors?
We adhere to the highest standards of compliance, following the Metro 2 compliance guidelines rigorously. Our approach involves a factual disputing process under the Fair Credit Reporting Act (FCRA) to challenge inaccuracies directly on credit reports. This ensures a thorough and effective resolution of disputes with credit bureaus and creditors.
Q8: Can you help me build credit as well?
Absolutely! In addition to removing negative items, we provide guidance on how to build positive credit. This includes strategies like establishing trade lines, using secured credit cards, and maintaining a low credit utilization ratio.
Q9: Why should I repair my credit instead of waiting for items to fall off?
Negative items can take 7–10 years to naturally fall off your credit report, which can delay your financial goals. Repairing your credit now not only improves your score faster but also allows you to qualify for better loan terms, lower interest rates, and greater financial opportunities sooner.
Q10: How much does it cost?
The cost of our services depends on the severity of your credit file and the complexity of the work needed. Each case is unique, so we tailor our pricing to fit your specific situation. We also offer a free credit consultation to evaluate your needs and provide an accurate estimate. Additionally, we work with clients from all financial backgrounds and take their circumstances into consideration to find the best solutions for them.
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