We are great at what we do...

Because we were just like you.

ABOUT US

Take Control of Your Financial Future

Real Life Credit Solutions is more than just a credit repair service—we are a movement dedicated to empowering minority communities to achieve financial freedom. As a branch of Real Life Business Solutions, a BBB-accredited consulting firm founded by Alvin C. Hill IV, MBA, we specialize in helping individuals and entrepreneurs repair, rebuild, and leverage their credit to make major life moves—whether it’s

purchasing a home, securing reliable transportation, or accessing funding to start or grow a business.

We understand that credit challenges can hold you back , but we also know that with the right strategy and support, you can turn things around. That’s why our credit repair process is 100% legal, ethical, and results-driven. We use proven methods such as

factual disputing, Metro2 challenges, and CFPB complaints to remove negative items and optimize your credit profile. Our approach ensures that you can qualify for better loans, lower interest rates, and new financial opportunities that were previously out of reach. Since 2021, we’ve helped nearly 100 individuals take charge of their financial destiny, and we are just getting started. Our commitment to exceptional customer service and a money-back guarantee (when clients actively participate in the process) sets us apart as one of Michigan’s top credit repair companies. We take pride in providing for-us-by-us solutions, tailored to meet the needs of Black and minority entrepreneurs, professionals, and families who want to build generational wealth. If you’re ready to stop being denied and start getting approved,

Real Life Credit Solutions is here to guide you every step of the way.

Let’s break the cycle of bad credit and build the financial future you deserve—together.

Credit Repair

We offer top of the line credit repair and restoration services, using a hybrid of factual and Metro2 disputing methods.

Credit Consulting

We do not believe credit repair is a lifelong process, so we prepare our clients to move forward by counseling and educating them on how credit works.

Book Free Consultation

Why wait another day?

FAQs

Can you delete everything?

We can not promise to delete a single item, as we do not have the power to do so. What we do is dispute and challenge all negative items each round and our process has proven to work.

What does a round consist of?

A round of credit repair consists of disputing and challenging all negative items, deleting outdated, and correcting all incorrect information. There is usually 35-45 days in between rounds.

What is credit monitoring?

We use SmartCredit to monitor your credit while you are a client and we offer another program to continue your credit monitoring after graduating from our program. The cost of credit monitoring is covered as long as you are in our program and the cost is reduced once you graduate and have to pay for it on your own.

What is your money back guarantee?

Our money back guarantee promises to return your payments back to you in full if you have not seen results after three months. The only rule is that you use all of the resources we provide to you and you don't do anything to cause your score to decrease like adding inquiries or worse, a late payment or collection.

Can I sign up for a program after signing up for monthly service?

Absolutely. You can sign up for our monthly service today and if you decide to sign up for a program next week, the cost will be prorated.

What can I do in my client portal?

Your client portal will serve as the home base for all things credit repair while we work on rebuilding or repairing your credit. Score updates, challenges and disputes, credit audits, and all other pertinent information is available in your portal.

Is my personal information safe?

We use the same type of encryption software the banks use. We have never had a breach of information and we are sure there will be none to come. Your information is safe with us.

What are some of the resources you offer?

Other than credit repair and credit counseling, we are also credit card and tradeline brokers. We have all of the tools you need to build your credit.

Fill out this form so we can better prepare for our credit consultation.

First Name

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Time Since Last 3 Bureau Report Pulled

Previous Attempts to Repair Credit

Additional Information

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TESTIMONIALS

Our Client Reviews

My experience with "Real Life Credit Solutions" has been nothing but positive, with 5 Star results.

Unlike most financial advisory companies, where empty promises are made and answers to your question are vague. Real Life Business Solutions keeps it simple, while delivering cost efficient, and effective results. During my consultation we discussed my ultimate goal, and I could NOT hold back my excitement when I realized that my expectations were exceeded in only three months.

Tivia Hill

My personal credit score went up 70 plus points in less than 90 days. Items on my credit report been removed. Alvin will talk to you about each process, he will help you understand every step of the way. He will guide you in the right direction and give you sound advice.

I can promise you won’t be disappointed. Real life results, within realistic expectations.

No gimmicks, No scams!!!!!