Unlock Your Future
Lance Baumgras Credit Consulting
@MRBAUMGRAS ON TIKTOK @MRBAUMGRAS 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.
This is what I do
CREDIT REVIVAL + MOMENTUM NETWORK PRICING BREAKDOWN
CREDIT REVIVAL PROGRAM
$149.99 For Credit Gameplan!
Includes:
• Full credit consultation
• Access to the Credit Revival Education Course
• Personalized credit game plan
• SmartCredit™ setup support
• One-on-one guidance to get started strong
Then: $15/month for 12 months
Includes:
• Ongoing mentorship
• Monthly progress check-ins
• Continued support and credit-building strategies
⸻
If you have negative items that need to be disputed then lets take action!
MOMENTUM NETWORK – AI DISPUTE SYSTEM
$149.99 to start
Includes:
• AI-powered dispute setup
• Integration with SmartCredit™
• Access to Momentum’s tools, dashboard, and full client support
• Expert-guided credit correction
• Hands-free processing with progress updates
• If there are items that cannot be fully removed, we will negotiate those down to 20-40% and then re-dispute them again
Then: $99.99/month
Includes:
• Monthly automated negative item disputes
• Full support and client services throughout the entire dispute process
• Regular progress updates
90-Day Money-Back Guarantee
If there is nothing removed after 90 days, you get a full refund of the setup fee — no questions asked.
⸻
SmartCredit™ Monitoring (Required)
$19.99/month
Includes:
• Real-time credit monitoring
• A fresh, full credit report every 30 days
• Daily score updates and alerts
• Syncs seamlessly with the AI dispute system
⸻
TOTAL TO GET STARTED:
• $149.99 (Credit Revival Enrollment)
• $149.99 (Momentum Network AI Setup)
• $19.99 (SmartCredit Setup)
= $319.97 upfront
⸻
MONTHLY AFTER THAT:
• $15.00 (Credit Revival Support) 12 months
• $99.99 (Momentum AI Disputes) 3-6 months
• $19.99 (SmartCredit) as long as you want for real FICO monitoring
= $134.98/month
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!
