Credit Services
The Credit System Isn't Broken For Them. It Was Built Without Us.
We don't promise score outcomes. We teach you exactly how the credit system actually works — and we walk you through the moves that actually work inside it.
TEXAS CSO COMPLIANCE NOTICE. Credit services at IHN are delivered by an on-staff specialist registered with the State of Texas as a Credit Services Organization under Finance Code Chapter 159. IHN as an entity is not itself registered as a CSO — the registration and the consumer protections that attach to it are held by the specialist who performs the work. We do not guarantee specific score outcomes. You have the right to cancel any agreement within 3 business days. You have the right to dispute inaccurate information yourself for free. Full Texas Senate Bill 43 disclosures available on request.
The Methodology
The Credit Cipher.
Our methodology — taught in our books, documented in our service agreements, applied through Texas-CSO-compliant engagement.
Bureau-Segmented Review
01 — Diagnose
We pull all three bureau reports (Experian, Equifax, TransUnion). We map every account, every furnisher, every reporting discrepancy. The diagnosis is what most consultants skip.
Simultaneous Dispute Fires
02 — Stack
​Where accurate disputes are warranted, we file across all three bureaus simultaneously rather than sequentially. Coordinated tradeline supply integration. Process documented in service agreement.
Funding Accelerator
03 — Build
Personal profile is the foundation. Business profile is the multiplier. We coordinate both — never one without the other. The business profile is what unlocks funding tiers.
Service Tiers
Three Tiers. Published Prices.
Credit Builder Stack
Tier 1
$197 +$49/mo
Personal credit education + tradeline supply guidance + monthly check-ins. CSO-compliant. Education-led.
Business Credit Builder
Most Popular
$697
Full business profile buildout. DUNS, NAV, Equifax Business, Experian Business. Coordinated with your LLC. Bank-ready.
Personal + Business Combo
Tier 3
$997
​The full stack. Personal foundation + business buildout. The combo most operators actually need before funding doors open.
Operator Honesty
What We Don't Do.
We're a Texas-registered CSO. Compliance is the floor.
We don't promise score outcomes.
Texas Finance Code prohibits CSOs from promising specific score increases. So do we. Anyone making score promises is either lying or unlicensed.
We don't sell CPNs.
Credit Privacy Numbers are illegal when used to obtain credit. We will never sell, recommend, or facilitate CPN strategies. Anyone offering this is putting you at risk of federal charges.
We don't dispute accurate information.
Disputing accurate items is fraud. We dispute inaccuracies only. The process is documented in every service agreement.
We don't take payment before service.
Texas CSO law: services are charged after delivery, not before. You're billed on completion of contracted work, not on signing.