Your Money & Your Credit Are Our Priority At Our Ohio Based Credit Consulting Firm
Request a free consultation from our Ohio based credit consultants at Be Whole Financial Now and uncover the path forward in our exclusive holistic audit report that breaks down your 3 bureau credit reports, while helping you craft the path forward, holistically.
1:1 Consulting With Kelly Armstrong
If you’re looking for something completely integrated and tailored to your specific needs, 1:1 consulting with Kelly Armstrong our Founder and Credit Consultant might be the right step for you. Learn what you can expect in a session or book a free consultation today.
When You Say Yes To Be Whole Financial You’re Saying Yes To Us Working With You In All These Areas & More.
Credit Report Review & Audit
Our credit report’s tell a story and when a prospective employer, an auto dealership, our insurance company’s, or even property management firms or housing lenders pull those credit reports one needs to know what the reader will see.
Perhaps, you’ve started the journey of seeking new gainful employment or looking for a new car, insurance, apartment, or home only to find out that you’ve been disqualified due to your credit or perhaps you haven’t yet started but, want to know what’s around the corner to be ahead of the curve. Either way, Kelly Armstrong and the Be Whole Financial team can help and the process starts with pulling those credit reports and reviewing them in order to determine what comes next based on your unique situation.
Credit Restoration
Restoring Credit the Right Way — With Integrity and Intention
At Be Whole Financial, we go beyond basic credit disputes. Our compliant credit restoration approach focuses on rebuilding your financial foundation—ethically, lawfully, and strategically.
We work with you to:
Identify legitimate errors and inaccuracies through a full credit analysis
Address negative items using Fair Credit Reporting Act (FCRA) rights
Restore your credit by guiding you through smart rebuilding tools like secured cards, credit builder loans, and tradelines from credible financial institutions
Educate you on maintaining a healthy credit profile long-term
This isn’t a quick fix or a shady shortcut. It’s real, compliant credit restoration designed to support lasting financial outlooks at a legal, ethical level. Some of the tools and services we recommend may involve affiliate partnerships, which means Be Whole Financial may earn a small commission—but we only recommend what we’ve vetted and trust for your success.
Realistic Budget Creation
At Be Whole Financial, we offer realistic budget creation services designed to help Ohio residents gain clarity over their monthly income, expenses, and financial goals. This service is part of our holistic approach to financial wellness and is not a guarantee of improved credit or debt elimination.
Instead, we focus on empowering you with the tools and support needed to manage your money with confidence—through a customized budget plan, actionable guidance, and optional accountability consulting under our 1:1 consulting for those self managing their action plans or under our monthly management services. All services are structured to align with your actual financial situation and are delivered with full transparency and respect for your personal journey.
Goal Preparation
Whether you’re preparing to purchase a home, start a business that will need financing, finance a vehicle, invest in a lifestyle upgrade like an RV, or apply for a job that requires a credit check—Be Whole Financial helps you get credit-ready with strategy, structure, and full transparency. We understand that many goals are time-sensitive, and credit plays a crucial role in making those goals possible, realistically.
Our role is to guide you through a realistic readiness plan—no hype, no shortcuts all while together we put in the real work that’s actually needed to help you achieve the goals in your mind legally, and ethically.
When you come to us we’ll help you assess your current credit standing, identify what’s helping or hurting you, and map out what needs to be strengthened.
From credit utilization planning to building positive account history (that’s true and accurate) and addressing outdated or inaccurate items compliantly, our goal is to position you to say “yes” to opportunities when they come—without rushing or relying on shady tactics that can backfire.
At Be Whole Financial we focus on real timelines, not overnight promises, and we stay by your side every step of the way for as long as it takes to help you accomplish your goals in a realistic manner.
Credit (RE)Building Consulting
Whether you’re just starting out or recovering from past credit challenges, Be Whole Financial helps connect you with credit building and credit rebuilding tools like secured credit cards, credit builder loans, and trusted financial partners that support your growth the right way.
We’ve done the research so you don’t have to. Some of these options come through affiliate partnerships, which may result in a small commission to Be Whole Financial—but every recommendation is made with your best interest at heart. As a fully licensed credit repair organization in the state of Ohio, we only suggest and recommend solutions when the timing is right for you—no pressure, no gimmicks, just smart strategies to help you move forward with confidence.
Credit Consulting
Not everyone needs—or wants—to be placed into a full credit restoration program. Some people are already on the right track but feel stuck, unsure about next steps, or overwhelmed by conflicting advice online. That’s where Be Whole Financial’s credit consulting comes in. Similar to our credit restoration service, the process starts with our holistic your money your credit audit, and monthly, we’ll work on the strategy compiled for you that still gives you the power, and control that moves you forward.
Our consulting services are ideal for individuals who prefer to self-manage their credit but want expert insight to avoid costly mistakes. We provide a clear breakdown of what’s helping or hurting your profile on a consistent, monthly basis to stay up to date and present you with, realistic next steps based on your short- and long-term goals, and professional guidance so you’re not guessing or relying on generic internet tips. Whether you're preparing for a loan application, trying to lower your utilization without damaging your score, or simply trying to understand the nuances of credit in today’s world, we’ll walk through it with you—step by step in a way that’s fully customized to you!.
You stay in control, we provide the clarity. No pressure, no program enrollment, and absolutely no shady shortcuts—just solid, compliant guidance.
Our Holistic Your Money Your Credit Program
Restoring Credit the Right Way — With Integrity and Intention
At Be Whole Financial, we go beyond basic credit disputes. Our compliant credit restoration approach focuses on rebuilding your financial foundation—ethically, lawfully, and strategically.
We work with you to:
Identify legitimate errors and inaccuracies through a full credit analysis
Address negative items using Fair Credit Reporting Act (FCRA) rights
Restore your credit by guiding you through smart rebuilding tools like secured cards, credit builder loans, and tradelines from credible financial institutions
Educate you on maintaining a healthy credit profile long-term
This isn’t a quick fix or a shady shortcut. It’s real, compliant credit restoration designed to support lasting financial outlooks at a legal, ethical level. Some of the tools and services we recommend may involve affiliate partnerships, which means Be Whole Financial may earn a small commission—but we only recommend what we’ve vetted and trust for your success.
Individuals
Start For Just $500 Down
Then Pay $333.33 Monthly For 6 Months!
Couples
Start For Just $425 Down Each ($850 Down)
Then Pay $250.00 Each ($500 Total) Monthly For 6 Months!
“In today’s financial climate, good credit isn’t just about a score, it’s about strategy. Without smart money management, even the best credit repair won’t stick. Having good credit starts with knowing where your money goes, planning on purpose, and making moves that build long-term stability.”
Be Whole Financial