Unlock Your Future

FREE CREDIT CLASS LIVE ON SUNDAYS ON TIKTOK

Lance Baumgras Credit Consulting

@MRBAUMGRAS ON TIKTOK @TampaCreditRevival on Instagram
Email: baumgraslance@gmail.com
Call/Text: (352) 899-2783

Free 1-on-1 Phone Consultation (30–45 Minutes)

This is not a deep dive into your credit report.
This free session is a private consultation to explain:

  • What we do

  • What services we offer

  • How our process works

  • Pricing & next steps

No pressure. Just clarity.

In-Person Credit Revival Sessions (Fee Applies)

We offer mobile, face-to-face credit consulting appointments at a location convenient for you — whether that’s a hotel, coffee shop, library, or co-working space.
Serving Tampa, Wesley Chapel, St. Pete, Brandon, and nearby cities.

What’s included:

  • Full credit education

  • Personalized strategy session

  • Option to enroll in our 12-month plan

Session fee applies.

12-Month Credit Revival Plan

$149 to start + $15/month

  • Full evaluation of all 3 reports: Experian, Equifax, TransUnion

  • Ongoing credit guidance & monthly support

  • Help setting up free credit monitoring apps (credit Karma, Experian, etc.)

  • Strategic selection of top credit-building tools:
    Ava
    Kickoff
    Self Lender
    Tradeline Supply Co.

You’ll receive a full breakdown of which tools fit your goals and budget.

Credit Disputing via The Credit Pros

We also offer credit dispute services through The Credit Pros, a trusted national platform that Lance has previously worked for.

  • Legal, accurate, and compliant disputes

  • Professional support backed by a proven process

  • Real-time updates on progress

Why Choose Us?

  • Local, mobile, and personal

  • Transparent, affordable pricing

  • Real education—not just disputes

  • 12-month game plans focused on results


Ready to take the first step?
You are only one call away from having all your questions answered and finally taking control of your credit.

Let’s get started — your financial future is waiting.

📞 Call Now — Let's Talk Credit

You’re only one call away from having all your questions answered.
Take control of your credit, your future, and your peace of mind.

Call or text Lance at (352) 899-2783
Let’s get started today.

Our Services

What You'll Learn with Lance Baumgras – Credit Consulting & Education

Real Guidance. Real Results. Real Credit Revival.

📘 Credit Education & Truths

  • The Truth About Mortgage Loans

  • The Truth About Auto Loans

  • Why You Should Get Pre-Approval Before Visiting a Dealership

  • Why You Shouldn’t Use Credit Cards with Limits Lower Than Your Monthly Income

  • The Truth About Paying Off Collections vs. Settling

  • The Truth About VantageScore vs. FICO Score

  • The Truth About Credit Scores & Applying for Credit

  • The Truth About When to Apply for Credit Cards

  • The Truth About Hard Inquiries

📲 Hands-On App Setup & Full Credit App Walkthroughs

  • I personally help you download and set up Credit Karma, Experian, and create your Equifax account

  • You'll not only see your credit scores, but understand what they mean

  • I walk you through how these apps work and what they don’t tell you

  • You get a full breakdown of the features, hidden insights, and score tracking methods

  • Learn what even the credit bureaus won’t teach you—because they profit off your confusion

📊 Credit Strategy & Fast Results

  • Key Credit Tips for Fast Improvement

  • What Is Credit & Why It Matters

  • Key Factors That Affect Your Credit Score

  • The Importance of Payment History & Credit Utilization

  • Why the Credit Card Reporting Date Matters

  • How Negative Credit Marks Affect Your Score

🛠️ Credit Repair & Disputing Process

  • The Credit Disputing Process Explained

  • How Disputing with The Credit Pros Works

  • Advantage of Unlimited Simultaneous Disputes

  • Why Negative Credit Marks Keep You From a 720+ Score

👥 Authorized User & Tradeline Support

  • What Are Authorized User Tradelines?

  • Authorized User Tradelines & Tradeline Supply Co.

  • Credit Utilization & Reporting Dates — How to Maximize Your Score

💼 Personal Credit to Business Credit

  • Benefits of Business Credit vs. Personal Credit

  • Build Personal Credit to Unlock Business Credit

  • Our Goal: Build Your Personal Credit to Unlock Business Credit

🔍 Ongoing Support & Tools

  • How to Use Credit Monitoring & Credit Building Tools

  • Tips for Ongoing Credit Health

  • Notes & Reminders

CREDIT BUILDING PRODUCTS

Why Negative Credit Marks Keep You From a 720+ Score

Items like late payments, collections, charge-offs, and outdated info directly lower your credit score, blocking you from qualifying for the best rates and credit offers. Removing these obstacles is essential to reaching a strong credit score.

How Disputing With The Credit Pros Works

Disputing challenges inaccurate or unverifiable information on your reports. The Credit Pros sends legally compliant disputes to all three major bureaus, triggering a mandatory investigation within 30 days. This professional process increases the chances of errors being removed or corrected.

Advantage of Unlimited Simultaneous Disputes

Unlike competitors who limit the number of disputes per month, The Credit Pros allows sending unlimited disputes all at once. This accelerates the removal of negative items, shortens the repair timeline, and maximizes your credit improvement potential faster than phased disputing approaches.


CREDIT BUILDING ISN’T NEW ITS JUST NOT ADVERTIZED AS MUCH AS PRODUCTS TO BUY

CHECK OUT THIS VIDEO BELOW!

Follow us on social media @tampacreditrevival to stay up to date with credit tips!