Your Credit Isn’t Broken. It’s Mismanaged.
Rebuild Your Credit Profile the Right Way — Without Score Obsession, Guesswork, or Empty Promises.
We don’t chase points.
We repair, restructure, and rebuild your entire credit profile so lenders see strength — not struggle.
Trusted by clients who are ready for homes, vehicles, and business funding — the smart way.
WHAT WE STRATEGICALLY CHALLENGE & CORRECT
Negative items don’t automatically qualify for removal but inaccuracies, outdated reporting, and unverifiable accounts must be investigated.
late payment
collection
Charge-Offs
Medical Accounts
Repossessions
Foreclosures
Hard Inquiries
Identity Theft Accounts
Mixed Files / Reporting Errors
Results vary. We investigate based on federal reporting standards and documented inaccuracies, not shortcuts.
Choose Your Credit Strategy
Profile Rebuild (Standard)
$797 (4 months)
Includes:
✓ Full 3-Bureau Credit Profile Audit
✓ Strategic Dispute Investigations
✓ Customized Credit Action Plan
✓ Utilization & Payment Strategy
✓ Credit Rebuilding Guidance
✓ Client Portal Access
✓ Progress Updates Every 45 Days
Best for: Individuals needing foundational cleanup and structured rebuilding.
Profile Escalation (Advanced)
$1,197 (One-Time – 6 Months)
Includes Everything in Profile Rebuild, Plus:
✓ Escalation Disputes (CFPB & Regulatory Agencies when applicable)
✓ Creditor Direct Challenges
✓ Advanced Reporting Inaccuracy Investigations
✓ Structured Follow-Up Strategy
✓ Progress Updates Every 45 Days
Best For: Complex files & aggressive inaccuracies that need layered strategy.
Fast Track Review (Premium)
$1,497 (6 Months)
Includes Everything in Escalation, Plus:
✓ 6 Months of Ongoing Strategy & Investigations
✓ 1 Private Coaching Call Per Month
✓ Business Credit Ebook
✓ Funding-Readiness Optimization Strategy
✓ Escalation Disputes
✓ Credit Rebuilding Roadmap
✓ 24/7 Email Access
✓ Access to the Funded & Flourishing Community
✓ Progress Updates Every 45 Days
Best For: Business owners preparing for funding, expansion, or major approvals.
We do not guarantee deletions. We guarantee documented investigations and structured rebuilding strategies.
I AM TROI HAWKINS
Founder of Velena Consulting Group
I didn’t enter this industry chasing quick wins.
I came into finance after building a decade-long career in beauty — where I saw firsthand how talented entrepreneurs were denied opportunities simply because their credit profiles weren’t structured correctly.
Over the last several years, I’ve helped clients:
• Understand how lenders actually evaluate credit
• Stop obsessing over fluctuating scores
• Build structured, lendable profiles
• Position themselves for real approvals
What makes our process different?
We focus on education and structure, not hype.
I don’t promise miracles.
I build systems.
If you’re ready to approach your credit like an asset instead of a guessing game — you’re in the right place.
Real Clients. Real Strategy. Real Results.
HOUSE APPROVAL
HOW THE PROCESS WORKS
STEP 1
Audit & Strategy
We analyze your full 3-bureau report and identify structural weaknesses.
STEP 2
Investigate & Challenge
We initiate documented disputes and verification requests based on reporting standards.
STEP 3
Rebuild & Optimize
While investigations are active, we guide you on utilization, payment structure, and profile strength.
STEP 4
Monitor &Adjust
Every 30–45 days we reassess, refine, and continue building.
Credit repair is reactive. Credit rebuilding is strategic.
frequently asked questions
How long does credit rebuilding take?
Most clients see movement within 30–90 days. Full restructuring typically takes 3–6 months depending on profile complexity.
Do you guarantee deletions?
No ethical company can guarantee deletions. We guarantee documented investigations and structured rebuilding.
Will my score increase immediately?
Scores fluctuate based on multiple variables including utilization, age, and reporting cycles. We focus on strengthening the profile first.
Do I need a consultation?
Not required — but recommended for complex cases.
What do I need to get started?
Access to your 3-bureau monitoring and completed onboarding forms.
Stop Watching Your Score. Start Rebuilding Your Profile.
You can keep refreshing Credit Karma…
Or you can build something lenders respect.