Elite Credit Optimization & Funding System
We Build Opportunity.
We remove negative data, rebuild profiles, and position you for high-limit approvals and real financial leverage. Strategic. Confidential. Built for results.
4
Program Tiers
3
Bureaus Targeted
100%
Transparent Pricing
Established · Confidential · Elite
Better Credit · Better Options · Better Life
florida hq
Strategy meets execution
Credit Engine
Profile-level optimization
About Solid Wealth Circle
Solid Wealth Circle is built around one principle: clean credit is the floor, not the ceiling. We move beyond generic dispute letters and into bureau-level corrections, furnisher targeting, profile optimization, and funding readiness.
Every program is structured. Every package has the same financing system. Every client knows exactly what's being challenged, what's being optimized, and where the strategy is heading next.
Strategic Dispute Systems
Proven Removal Strategies
Profile Optimization
Funding Positioning
Our Programs
financing structure.
Blue
Foundation Cleanup
Clients with light credit damage who need a clean starting point.
$1000
Removal of up to 3 negative accounts (collections, charge-offs, or late payments)
Targeted dispute strategy per account
Bureau-level correction process
Gold
Negative Item Removal
Clients ready to remove negative items and restore their credit profile.
$1,500
Unlimited negative account challenges
Collections, charge-offs, late payments
Multi-round dispute system
Platinum
Full Profile Reset
Clients who want a complete credit transformation — not just removals.
$2000
All negative item challenges
Collections, charge-offs, late payments
Repossession review & challenge strategy
Diamond
best
Elite Credit & Funding Program
Clients ready to optimize credit and qualify for high-limit funding.
$2500
All negative item challenges
Inquiry removal strategy
Multi-round disputes + escalations
how it works
deletions, not just disputes.
01
Consultation & Audit
We review your full credit profile across all three bureaus and identify every removable item, contradiction, and optimization opportunity.
02
Strategic Plan
We match you to the right tier — Blue, Gold, Platinum, or Diamond — and build a custom dispute and rebuild sequence for your situation.
03
Disputes & Escalations
Bureau-level challenges, furnisher targeting, and multi-round escalations engineered to force deletions, not just verifications.
04
Profile Optimization
Utilization, account mix, and positioning are restructured so your profile reads strong to lenders, not just clean.
05
Funding Readiness
For Diamond clients, we position you for high-limit approvals and walk through personal and business credit funding strategy.
06
Ongoing Reviews
Monthly progress reviews keep you informed. You see what changed, what's pending, and what's next.
what we remove
Targeted and challenged.
Every tier targets specific report items with the right strategy. Below is what's in scope across our programs. Inquiry removal is included only in Diamond, or available as a standalone add-on package.
Collections
Third-party collection accounts dragging your score.
Charge-Offs
Accounts written off as loss by creditors.
Late Payments
30, 60, 90+ day late marks across revolving and installment accounts.
Repossessions
Auto and asset repossessions reviewed and challenged.
Hard Inquiries
Unauthorized or excessive hard pulls on your report.
Bureau Errors
Inaccurate data, mixed files, and reporting contradictions.
Outdated Items
Aged accounts that should have rolled off long ago.
Furnisher Disputes
Direct creditor-level challenges, not just bureau letters
Meet the Team
Solid Wealth Circle.
Built by operators who treat credit like infrastructure — not paperwork. Direct, strategic, and accountable to outcomes.
100%
Owner-Operated
FL
St. Petersburg HQ
3
Bureau Coverage
24H
Response Window
Founders
Solid Wealth Circle
est. florida
client voices
every tier.
"Solid Wealth Circle did more than clean my report. They walked me through the funding side and helped me structure my LLC the right way. Approvals started coming in I never thought I'd see.
Marcus T.
Tampa, FL
diamond client
"The escalation strategy is what set them apart. Other companies just sent generic letters. Here you can see exactly what's being challenged and why."
Janelle R.
St. Petersburg, FL
Platinum Client
"Multiple negative items came off my profile within the first few cycles. The team is direct and they keep you informed without the runaround."
Devin H.
Atlanta, GA
Gold Client
"I needed a clean starting point and that's exactly what I got. Straightforward pricing and a real plan instead of a sales pitch."
Priscilla A.
Orlando, FL
Blue Client
Frequently Asked
How long does the credit repair process take?
Timelines vary by program and severity. Foundation Cleanup clients typically see early movement within the first dispute cycle. Gold and Platinum programs run multi-round dispute systems that work over several months. Diamond is the longest because it covers full optimization and funding readiness, not just removals.
What's the difference between Blue, Gold, Platinum, and Diamond?
Blue is a foundation cleanup for up to 3 negative accounts. Gold removes unlimited negative items including collections, charge-offs, and late payments. Platinum adds repossession review, escalation tactics, and a full profile rebuild. Diamond is the only program that includes inquiry removal, funding strategy, LLC formation, and business credit positioning.
Is inquiry removal included?
Inquiry removal is only included in the Diamond program. Blue, Gold, and Platinum do not include it. We offer separate Inquiry Removal packages — Foundation, Strategic, and Elite — that can be added to any tier.
How does financing work?
All packages use the same standardized financing structure: 3 months adds 5%, 6 months adds 10%, 9 months adds 15%. The 12-month Elite tier is only available for Diamond. Each tier has a clear minimum down payment listed on the pricing page.
Do you handle bankruptcies?
Bankruptcies are not included in Gold. Repossessions are reviewed and challenged starting at the Platinum tier. For complex cases, we'll walk through what's realistically removable during your consultation.
What's the minimum to get started?
Minimum start: Blue $150 down, Gold $250 down, Platinum $350 down, Diamond $400 down. The remaining balance is split across the financing term you select.
Will my information be kept confidential?
Yes. Every engagement is confidential. We do not share, sell, or discuss client data outside of the dispute and funding work being performed on your behalf.
What happens after my profile is cleaned up?
Clean credit is the floor, not the ceiling. Platinum and Diamond clients move into profile rebuilding, utilization positioning, and — for Diamond — direct funding strategy for personal and business credit.
today.
Multiple negative items came off my profile within the first few cycles. The team is direct and they keep you informed without the runaround."
Solid wealth
circle
Elite credit optimization & funding system. We remove negative data, rebuild profiles, and position you for high-limit approvals and financial leverage.
confidential
powerful
transformative
NAVIGATE
Contact
7901 4th St N STE 300, St. Petersburg, FL 33702
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Better Credit. Better Options. Better Life.