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Find Out What's Really Holding Your Credit Back
3379 Peachtree Rd NE Suite 655 P-64 Atlanta, Georgia, United States
About Creditworthiness101
Creditworthiness101 is a credit education and coaching company founded with a single purpose — to help everyday individuals understand exactly what is on their credit report and take clear, confident steps to improve it. We believe that no one should feel lost, confused, or taken advantage of when it comes to their credit. Our approach is simple, honest, and built entirely around you.
Services We Provide
Everything we offer is designed to give you real knowledge,
a clear strategy, and the confidence to take action on your credit.
Everything we offer is designed to give you real knowledge, a clear strategy, and the confidence to take action on your credit.
Personalized Credit Review
A one-on-one review of your full credit report. We identify exactly what is hurting your score and explain each item in plain language no guesswork.
Custom Credit Strategy
A tailored step-by-step action plan built specifically around your credit profile, your goals, and your timeline. Not a generic template — a real strategy for your situation.
Score Improvement Planning
Whether you're aiming for 650, 700, or higher — we build a realistic plan with concrete milestones to help you reach your target score with confidence.
Dispute Guidance & Support
We walk you through how to identify and address inaccurate, unverifiable, or outdated items on your credit report using lawful dispute processes under the FCRA.
Credit Education & Coaching
We teach you how credit scoring actually works — utilization, payment history, account age, inquiries, and more — so you can make smarter decisions going forward.
Funding Readiness Guidance
If you've been denied for credit, loans, or funding, we help you understand exactly why and what needs to change to improve your chances of approval in the future.
Services We Provide
General Credit Guidance
We offer simple recommendations and financial education to support better credit habits.
Credit Report Education
We help individuals understand the key factors on their credit reports.
Funding Preparation Insights
We provide general guidance on how certain financial behaviors may affect future funding opportunities.
Optional Support Services
Assistance with reviewing and understanding inaccurate or outdated information on credit reports.
Disclaimer
Creditworthiness101 and The Alternative Inc. provide credit education, coaching, and consulting services only. We do not guarantee specific credit score results, item deletions, loan approvals, or financial outcomes. Results vary based on individual credit profiles, financial behavior, and adherence to recommended strategies. All services are educational in nature. Any decisions made based on information provided are your sole responsibility.