Contact · Free consultation
Let's Talk About Your Financial Future.
Have questions about your credit or financial goals? Connect with Wealth Is Living and take the first step toward understanding your options. Better credit starts with what you do today.
Talking costs nothing · No obligation
Location & hours
Houston, Texas · serving clients across the U.S.
Monday – Saturday: 9:00 AM – 8:00 PM · Sunday: Closed
“The first conversation is a conversation. You will know the scope, the cost, and the next step in writing before any work begins.”
Edward Woodley · Founder
About the cost
Your consultation is free. If you choose credit repair assistance, WIL's fee is $250 one time, with no monthly WIL service fee. You can review the services and payment terms in writing before deciding. No payment is due to request a consultation or sign the agreement.
Free consultation
Tell us where you are starting from.
A short questionnaire so the first conversation is useful. No cost, no obligation, and no Social Security number required.
What happens next
Three steps, in plain language.
- 01
Tell Us About Your Goals
Complete the consultation questionnaire. It takes a few minutes and helps us understand where you are starting from.
- 02
Connect With Our Team
We will reach out to discuss your situation, answer your questions, and explain the options that may be available to you.
- 03
Understand Your Next Steps
You leave the conversation knowing what a plan would look like, what it would involve, and what it would cost — before you decide.
Questions
Straight answers, before you decide anything.
If your question is not here, call and ask. No one will pressure you into a service you do not need.
What does credit repair involve?
Credit repair generally means reviewing your credit reports for information that may be inaccurate, incomplete, or unverifiable, and then pursuing disputes through the process set out in the Fair Credit Reporting Act. It also involves helping you understand how your accounts, balances, and payment patterns are being reported so you can make informed decisions going forward.
Can accurate negative information be removed?
Generally, no. Accurate and timely negative information can remain on your credit report for the period allowed by law, typically seven years for most negative items and longer for certain bankruptcy filings. Information that is accurate cannot be removed simply because it is unfavorable.
How long does credit repair take?
Timelines vary. They depend on what is being disputed, how the bureaus and creditors respond, and how quickly documentation can be gathered. Investigations are typically completed within 30 days, though the overall process usually involves multiple rounds. No one can promise a specific completion date or outcome.
Do you offer free consultations?
Yes. The initial consultation is free. You can complete the questionnaire on the contact page or call us directly. There is no obligation to move forward.
Can I dispute credit report errors myself?
Yes, and it costs nothing. You can file disputes directly with each credit bureau, and you can also submit a complaint to the CFPB if a dispute is not handled properly. Our role is to handle the process for you, not to replace a right you already have.
Does using your service guarantee a higher credit score?
WIL cannot promise a particular score or increase. Your score depends on the information in your credit report and the scoring model used.
Where is Wealth Is Living located?
Wealth Is Living is based in Houston, Texas, and works with clients on their credit and financial education goals. Consultations are available by phone.
How can I get started?
Complete the consultation form on the contact page, or call (281) 254-5478. A representative will follow up to discuss your situation and the options available to you.