Build creditthat opensdoors.
Credit repair, credit education and tax preparation, plus real preparation for the apartment, the car, the funding and the home you are working toward. Online, organized and personal.
The $100 Credit Reset
Three personalized dispute rounds for a one-time enrollment, focused on inaccurate, incomplete, outdated or unverifiable information on your credit reports.
$105 at checkout. Enroll online, then check your email for next steps.
- Three personalized dispute rounds
- Collections, charge-offs and late payments
- Student loans, repossessions and bankruptcies
- Other reporting inaccuracies
Active credit monitoring is required throughout the program. Coaching is not included; it comes with the Junior Package, or book a Consultation Call or Coaching Call in the Shop.
Results are not guaranteed.
WHAT WE DO
Every step to a stronger file.
We help you find what is holding your credit back, understand your options, and take real steps toward the apartment, the car, the funding and the home.
Credit Repair Assistance
Personalized dispute services for inaccurate, outdated or unverifiable items, from the 3-round Credit Reset to the full Junior Package.
Credit Education
Learn what actually moves a score: utilization, payment history, account mix and how to build and manage credit responsibly.
Apartment & Rental Assistance
Get your file and paperwork ready for rental applications, and understand the approval options available to you.
Auto Financing Preparation
Understand lender credit requirements before you shop, and get connected with dealership or financing resources if you qualify.
Business & Personal Funding Readiness
Prepare your personal and business credit profiles and financial documents before you apply for funding.
Tax Preparation
Individual, self-employed and prior-year returns prepared online, plus a plan to put your refund to work for your credit.
Consumer Reporting Assistance
Help with consumer reporting agencies beyond the big three, including ChexSystems and Early Warning Services, where applicable.
PROGRAMS & PRICING
Pick your starting point.
Enroll online in minutes. After checkout you'll get an email with everything we need from you to get started.
Credit Reset
The $100 Profile Reset: three personalized dispute rounds.
- 3 dispute rounds
- Collections, charge-offs, late payments
- Student loans, repos, bankruptcies
- Credit monitoring required
Junior Package
For a complete credit overhaul, with high-priority support.
- Full credit sweep: disputes across all 3 bureaus
- Collection and repossession disputes
- Fast-tracked hard inquiry disputes
- Priority 1-on-1 credit coaching
- Budgeting and credit monitoring tools
Harvard University
A business mentorship program for aspiring entrepreneurs and business owners.
- Airbnb business mentoring
- Vending machine business mentoring
- Business credit & credit repair
- Starting and structuring a business
- Marketing & growth strategy
Credit results, deletions and approvals are not guaranteed and depend on each client's credit file. You can dispute inaccurate information with the credit bureaus yourself for free, and you may cancel a credit repair contract within 3 business days.
HOW IT WORKS
From the report to the keys.
STEP 01
Pick your program
STEP 02
Onboard online
STEP 03
We get to work
STEP 04
Track it in your portal
Start with the $100 Credit Reset, or go all in with the Junior Package for a full credit overhaul and 1-on-1 coaching.
Score shown is an illustration of the process, not a promised result.
CLIENT RESULTS
Real files. Real progress.
Screenshots shared by clients from their own credit monitoring. Every file is different, and these results are not a promise of yours.
Individual results. Credit score increases and deletions are not guaranteed and depend on each client's credit file.
DIGITAL PRODUCT
Tradeline Vendor Access
Direct access to a trusted tradeline vendor, for personal use or for credit professionals.
Tradelines do not guarantee a score increase or approval.
Already a client?
Log in to your secure client portal to upload documents, check dispute rounds and follow your progress.
ABOUT
Your success is our business.
Harvard Financial Services was founded by Lala Harvard to help individuals and families build stronger financial foundations through expert guidance and tailored service.
Whether you are restoring your credit, getting ready for your first apartment, shopping for a car or preparing your business for funding, we build a personalized plan around your goal and walk you through every step.
Everything runs online: digital onboarding, a secure client portal and email support. Organized, efficient and professional from day one.
FAQ
Straight answers.
Three personalized dispute rounds for a one-time enrollment ($105 at checkout), focused on inaccurate, incomplete, outdated or unverifiable information on your credit reports. Active credit monitoring is required throughout. Coaching is not included: it comes with the Junior Package, or you can book a Consultation Call ($60) or Coaching Call ($199) in the Shop.
Yes. We prepare individual, self-employed and prior-year returns online. See the Tax Preparation page for what to bring.
No, and nobody honestly can. Results depend on what is on your report and how the bureaus and creditors respond. We work to correct items that are inaccurate, outdated or unverifiable, and teach you the habits that build credit over time.
Yes. You have the right to dispute inaccurate information directly with the credit bureaus for free. Clients come to us for the time, organization and guidance we bring to the process.
Yes. Onboarding, documents and updates all happen online through a secure client portal, and email support when you need it.
Yes. Under federal law you can cancel a credit repair services contract without penalty within 3 business days of signing it.
Yes. We help you get your credit and paperwork ready to apply, explain your options, and connect qualified applicants with available dealership and financing resources. Approvals are always up to the landlord or lender.
START HERE
Take the first step toward a brighter financial future.
Tell us your goal and we will show you where your credit stands and what it will take to get there.