Credit Coaching · Mortgage Readiness · Birmingham, AL

Fix your
credit.
Fund your
future.

Empowering Homeownership Through Knowledge

Whether you've been turned down for a mortgage, stuck under a bad score, or just never taught the rules — we fix the file, build the plan, and get you to the closing table.

Book Free Consult Our Services
The Mortgage Credit Educator
Live Score Snapshot
Equifax632 ↑18
TransUnion619 ↑12
Experian644 ↑21
Active Disputes
Capital One CollectionIn Progress
Midland Funding LLCDeleted
Late Payment — ChaseSubmitted
Mortgage Readiness
Target: 640 · Avg: 632 · Est. ready in 45 days
3-Bureau Full Credit Coverage
90 Days Avg. Mortgage-Ready Timeline
1 Team Credit Coach + Licensed MLO
Who We Are

We don't just repair credit.
We teach you the game.

The Mortgage Credit Educator was built by a licensed MLO who saw the same story over and over — good people turned down for loans because nobody ever sat down and explained how credit actually works. That stops here.

  • 01
    Free Credit ConsultWe pull your reports, map what's hurting you, and build a plan — no pressure, no cost.
  • 02
    Active Monthly WorkReal dispute letters, real follow-up, real results tracked inside your portal.
  • 03
    Mortgage HandoffWhen you're ready, you go straight to our mortgage team. No starting over.
  • 04
    Education Built InYou leave knowing how credit works — not just having a better score.
"Your credit score is a door. Most people don't know they have the key."
— Altieri Harris, NMLS #2784673
Licensed Mortgage Loan Originator · Birmingham, AL
What We Do

Our Services

Get Started →
01
Credit File Audit

Full review of all 3 bureaus — we find every error, negative item, and opportunity hiding in your report.

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02
3-Bureau Dispute Work

We draft and send dispute letters to Equifax, TransUnion, and Experian on your behalf every month.

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03
Collections & Charge-Off Strategy

Debt validation, goodwill letters, and negotiation to remove or reduce the accounts that hurt most.

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04
Mortgage Readiness Coaching

Score targets, DTI coaching, down payment planning — everything you need before you talk to a lender.

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05
Rapid Rescore Coordination

For clients in active mortgage processing who need a fast score bump before closing.

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06
Credit Building Strategy

AU tradelines, secured card sequencing, and Capital One/Amex pathways to build lasting positive history.

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Investment

Straightforward pricing.

3-month minimum on all plans. Results vary — we never guarantee specific outcomes, just our full effort every single month.

Foundation
1–2 bureau disputes, entry-level score building
+ $149 one-time setup fee
$99 / mo
  • 1–2 bureau dispute coverage
  • Monthly dispute letters sent
  • Client portal access
  • Score tracking dashboard
  • Email support
Get Started
Most Popular
Momentum
All 3 bureaus — collections, charge-offs, lates
+ $199 one-time setup fee
$149 / mo
  • All 3 bureau coverage
  • Collections & charge-off disputes
  • Late payment challenges
  • Monthly strategy call
  • Priority support
Get Started
Mortgage Ready
Full file audit + mortgage readiness coaching
+ $249 one-time setup fee
$199 / mo
  • Everything in Momentum
  • Mortgage-specific file audit
  • Rapid rescore coordination
  • AU tradeline strategy session
  • Direct MLO handoff when ready
Get Started
À La Carte

One-time add-ons

Not ready for a plan? Pick exactly what you need.

AU Tradeline Strategy Session
Boost your score fast using authorized user accounts
$75
Capital One / Amex Roadmap
Sequencing strategy to build premium credit history
$75
Rapid Rescore Coordination
Quick score boost before closing — active mortgage clients only
$99
60-Day Credit Check-In
One-time review + 60-day action plan
$50
Debt Validation Letter Package
Professionally drafted, compliance-ready — per creditor
$49 / creditor
30-Day Credit Action Plan
Written roadmap with specific steps for your file
$97
Client Wins

What people are saying

I was turned down twice before I found The Mortgage Credit Educator. In 90 days my score went up 67 points and I closed on my first home. I had no idea what was actually hurting me until we sat down together.

Darius W.
First-Time Homebuyer · Birmingham, AL

She doesn't just fix your credit — she teaches you why it was broken. I finally understand how this stuff works. Three collections deleted, score up 52 points in 60 days. Worth every penny.

Tamara J.
Momentum Plan Client · Bessemer, AL

I thought my credit was too far gone. Aly pulled my report, showed me exactly what to fix, and handled all the disputes herself. Six months later I qualified for an FHA loan. This is the real deal.

Marcus T.
Mortgage Ready Plan · Hoover, AL
Client Portal

Everything in one place.

Your secure client portal keeps your progress front and center. See your scores move in real time, track every dispute, and know exactly when you're mortgage-ready.

  • LIVE
    Live Score TrackingAll 3 bureaus updated in real time
  • ACT
    Dispute StatusSee every dispute in progress — no guessing
  • DOC
    Secure DocumentsReceive, review, and sign safely
  • MTG
    Mortgage Readiness TrackerSee exactly where you stand and what's next
Access Your Portal →
clients.mortgagecreditedu.com
Welcome back
Credit Scores
Equifax632 ↑18 pts
TransUnion619 ↑12 pts
Experian644 ↑21 pts
Active Disputes
Capital One CollectionIn Progress
Midland Funding LLCDeleted
Late Payment — ChaseSubmitted
Mortgage Readiness
Target: 640 · Avg: 632 · Est. ready: 45 days
The Mortgage Credit Educator

Ready to fix it for real?

Book your free 15-minute credit consult. We pull your reports, tell you exactly what's holding you back, and map the fastest path to mortgage-ready.

Book Your Free Consult
Email
info@mortgagecreditedu.com
Location
Birmingham, Alabama
License
NMLS #2784673 · CrossCountry Mortgage Branch #4917