People book a free call expecting a sales pitch. What they get is a written audit of their credit report and a walkthrough of what it means.

Here is exactly what happens, so you know what to expect before you book.

What is in the credit audit?

The consultation comes with a written audit prepared for you. It is broken into five sections:

  1. Credit score basics. How the credit bureaus determine your score, in plain language.
  2. Your credit scores and summary. Your actual scores and a snapshot of your file.
  3. An analysis of your accounts. Every account, including the derogatory items working against you, any public records, and how many inquiries are on your profile.
  4. An overview of the process. How the work gets done if you move forward.
  5. Your part in the process. What you do, because the plan works best when both sides do their part.

The audit also shows what a low score costs you, side by side, on a car and on a home. Seeing the dollar difference on an actual purchase is usually the moment it clicks.

What does Angelo ask on the call?

Two questions come up on almost every call.

"On a scale of 1 to 5, how well do you understand credit?" Most people Angelo talks to answer 1 or 2. That is normal. Nobody teaches this in school, and the call is built for people starting from zero.

"Do you know what credit utilization is?" About 7 out of 10 people don't. Utilization is how much of your credit card limits you are using, and it is one of the biggest drivers of your score. Here's why the 30% rule you've heard about is not the real target.

Then he asks about your goal. A home, a car, business funding, getting out of debt. The plan is built around that answer.

What do you know by the end of the call?

By the time you hang up, you know:

  • Where you stand. What is on your report and how lenders read it.
  • What is holding you back. The specific items that need to change first.
  • What to do next. A real game plan, step by step.
  • Which program fits. Digital, Standard, or VIP, with every price up front. Compare the programs here.

No guessing, and no pressure to sign up on the spot.

How should you prepare?

You don't need to prepare much. A few things make the call more useful:

  • Know your goal and your timeline. "I want to buy a house next spring" gives Angelo more to work with than "I want better credit."
  • Remember any recent denials. If a lender turned you down, the reason they gave is worth mentioning.
  • Write down your questions. Pricing, timelines, a specific item on your report. Ask all of them.

Every file is different, and results vary. The call is where you find out what is realistic for yours.