Fix the score. Unlock the capital.
Credit repair, credit restoration, and business funding under one roof, with a real specialist who texts you every two weeks until you reach your goal.
★★★★★5.0 on Google · 4.6 on Trustpilot · 40+ reviews
Most credit companies take your payment and go quiet. You never know what was disputed, what came back, or what happens next. We built the club to be the opposite.
Watch a dirty report get clean.
Collections, charge-offs and late payments, challenged round after round until your report tells a different story.
- Collection account$1,240
CollectionDeleted - Credit card$3,912
Charge-offDeleted - Auto loan
Late 90 daysDeleted - Secured card
Paid as agreed - Medical bill$480
CollectionDeleted - Store card
Late 60 daysDeleted - Personal loan$2,150
Charge-offDeleted - Hard inquiry
InquiryDeleted
Illustration only, not a real client. Results vary by individual and no specific outcome is guaranteed. Accurate, verifiable items cannot be removed.
Credit repair, funding, and everything in between.
Start wherever you are. Clean up your report, build a profile lenders love, then put it to work.
Credit Repair & Restoration
We challenge inaccurate, outdated, and unverifiable items across all three bureaus, then rebuild your profile for the future.
Learn more → Get FundedBusiness Funding
0% interest funding for strong profiles, and revenue-based financing when your cash flow tells the story better than your credit.
Learn more → Build fasterTradelines
Add aged, positive accounts to strengthen your profile, with guidance on which ones fit your goals.
Order tradelines → Business setupShelf Corps & LLC Structuring
Instant business history, professional credibility, and a structure built for faster funding access.
Talk to us → MentorshipLaunch Your Own Agency
Learn the business: legal structuring, dispute and automation systems, client acquisition, and building impact.
Talk to us →Not a portal. A person.
No ticket numbers, no mystery. You'll know your specialist by name, and you'll hear from them on a schedule.
A real specialist, by text
You text your specialist directly. Questions get answered by the person working your file, not a chatbot or a call center.
Check-ins on a clock
Every two weeks we check in. Every 30 days we pull your updated report and walk you through exactly what changed, item by item.
Repair, restore, fund
Removing negatives is only step one. We build your profile and map your path to funding, so the work actually turns into opportunity.
Repair. Restore. Fund.
Repair
Remove errors and negative items that don't belong on your report.
Restore
Add positive tradelines and structure a profile that lenders trust.
Fund
Follow your funding roadmap and get matched with our lenders.
Credit Restoration
Only need to rebuild? Restoration on its own, for files with nothing to remove.
- Personal credit rebuilding plan
- Guidance on positive accounts and tradelines
- Utilization and timing coaching
- Free consultation and credit report review
Credit Repair
For files with negatives on the three major credit bureaus.
- Disputes with Equifax, Experian, and TransUnion
- Credit Restoration included
- 120-day money-back guarantee
- Credit building plan
- Building relationships with other banks
- Two week check-ins and 30 day updates
- Free consultation and credit report review
Credit Repair Plus
For files with bankruptcy, child support, or evictions.
- Everything in Credit Repair
- 120-day money-back guarantee
- ChexSystems disputes
- Early Warning Services disputes
- LexisNexis disputes
Free evaluation
A 30 minute call. We look at where you are and where you want to be.
Full audit
We pull all three bureaus and flag every item worth challenging.
Dispute rounds
Letters go out to the bureaus. You get a text the day they're sent.
Two week check-in
Halfway through each cycle, we check in and answer anything on your mind.
30 day update
Fresh report, side by side with the last one. Then the next round goes out.
Build & fund
Positive accounts, smart utilization, and a roadmap to capital.
Six months. One report. Press play.
This is what a dispute journey looks like from the inside: items challenged round by round, deletions landing, scores climbing on all three bureaus.
Illustration only. This is an example report, not a real client. Results vary by individual and no specific outcome is guaranteed. Accurate, verifiable items cannot be removed.
Capital that powers ambition.
No complicated processes. No hidden terms. Funding solutions designed around your goals, from $10K to $1M.
0% Interest Funding
Interest-free capital for startups and growing businesses with a strong credit profile.
Revenue-Based Financing
Funding based on your cash flow, not your credit. Built for businesses that are already moving.
All funding is subject to lender approval. Terms, amounts, and timelines vary by applicant.
Learn credit with Sendy.
Some people want it done for them. Some want to learn it for themselves, or turn it into a business. The club has a door for both.
The Community
A private group where members ask questions, get guidance, stay accountable, and share wins throughout their credit journey.
- Ask questions anytime
- Accountability with members on the same path
- Celebrate every deletion and approval
The Replay Vault
Missed a live session? Buy the replays and learn at your own pace, on your own schedule.
1-on-1 Mentorship
Launch your own financial agency with direct guidance from Sendy Santos.
- Launch a financial agency
- Legal business structuring
- Dispute and automation systems
- Client acquisition
- Building impact
Know what moves the number.
Late payments, collections, and charge-offs live here. This is where accurate disputing has the biggest effect.
How much of your available credit you're using. We coach you on utilization strategy.
The age of your accounts. This is where the right tradelines can help.
A healthy blend of revolving and installment accounts.
Recent hard inquiries and new accounts. We help you time applications before funding.
Weights are the general FICO breakdown published by myFICO. Every profile is different.
Client success stories
A credit comeback story
"I've never in 48 years of my life been able to have my credit scores in the 700's. Plus you helped me purchase two cars and got me over $100,000 in funding!"
Restored, and my future secured
"Thanks for restoring my credit! Not only did you help me purchase a home, but I got the update that I now have my Secret Clearance thanks to you."
Life-changing results
"I invested in a consultation call and in less than 72 hours I was approved for over $45,000 in funding."
Transformed my business future
"Not only did they repair and restore my credit into the 800's, I got access to over $125,000 in funding."
Individual results. Not a guarantee of any specific outcome.
What our clients are saying
Reviews shown word for word as posted on Google and Trustpilot, shortened where marked. Individual results vary.
Sendy Santos
Sendy Santos founded 800 Club Mentorship Group LLC after more than 10 years in leadership and management and over a decade as an entrepreneur. The mission is simple: make credit and business growth straightforward and stress-free, through rapid credit restoration, real banking relationships that open access to capital, and systems that help businesses scale.
We speak your language.
Every update, every check-in, every question, in the language you're most comfortable with.
Hablamos tu idioma.
Cada actualización, cada seguimiento y cada pregunta, en el idioma en que te sientas más cómodo.
Frequently asked questions
What exactly is credit repair?
Credit repair is the process of identifying and addressing inaccurate, outdated, or unfair negative items on your credit report.
Credit Repair vs. Credit Restoration?
Credit repair removes inaccurate, outdated, or unverifiable negative items from your report, and it includes credit restoration. Credit restoration on its own is for rebuilding: no negatives to remove, just a stronger profile to build with positive accounts, smart utilization, and good timing.
What can be challenged?
Late payments, collections, charge-offs, bankruptcies, and inaccurate personal information. Anything inaccurate, outdated, or unverifiable can be disputed. Accurate, verifiable information can't be removed by anyone.
How long does it take?
Realistically, plan on 6 to 12 months. Every report is different, and the bureaus set their own response times. Our goal is always to get you there in 3 to 6 months, and some clients start seeing changes within the first 30 to 60 days. We work in 30 day rounds and walk you through every update.
Do you offer a guarantee?
Yes. 120-day money-back guarantee: if nothing is removed from your credit report within 120 days, you get a full refund. This applies to Credit Repair and Credit Repair Plus.
How much does it cost?
Credit Repair is $1,250 and includes credit restoration. Credit Restoration on its own is $300. Credit Repair Plus, for files that also need ChexSystems, Early Warning, or LexisNexis disputes, is quoted on your free call. You're never charged for credit repair or restoration before the work is done, and credit repair comes with a 120-day money-back guarantee. The Replay Vault with Skool community access is $1,000, and 1-on-1 Mentorship is $5,000.
Can you help me get business funding?
Yes. Depending on your profile, we can help with 0% interest funding or revenue-based financing, and Credit Restoration clients get a personal funding roadmap.
Let's get you to 800.
Get your free online credit evaluation and book a 30 minute call. No pressure, just a real look at your report and a plan.
Already a client? Book your Monthly Check In → · Book a Brief Update →