Understand Your Credit. Organize Your Records. Move Forward With Knowledge.
Educational consulting and business support services provided by Arias Vanier Gray LLC (NAICS 561499) — helping consumers navigate credit reports, organize documentation, and understand their rights under consumer law.
Important: These are educational and consulting services — not legal services. No specific score increases, deletions, or funding approvals are guaranteed. Results depend on individual circumstances. Accurate negative information cannot simply be removed from a credit file. All services are contracted and performed directly by Arias Vanier Gray LLC (NAICS 561499 — All Other Business Support Services).
Structured Education and Documentation Support
Arias Vanier Gray LLC is a business support services firm founded and operated by Arias Vanier Gray. For over six years, the firm has provided consumer credit education, documentation preparation support, and financial literacy resources to individuals, families, and business owners.
These services are educational and consulting in nature. We help clients understand their credit reports, organize supporting records, and prepare documentation — but we do not practice law, guarantee specific outcomes, or promise score increases. Results depend on individual circumstances, and accurate negative information cannot simply be removed from a credit file.
All consumer advocacy and credit education services are contracted and performed directly by Arias Vanier Gray LLC under NAICS code 561499 — All Other Business Support Services.
Transparent Pricing
Understand Your Credit. Organize Your Records. Move Forward With Knowledge.
Explore structured consumer education and ongoing documentation support designed to help individuals and families understand credit, organize account information, and make informed financial decisions.
One-Time Education Packages
Credit Foundations
For individuals seeking a clearer understanding of consumer credit.
- One 60-minute educational session
- Explanation of payment history, utilization, account age, inquiries, and credit-report terminology
- Guidance on accessing and reading consumer reports
- A personalized learning checklist
- A take-home credit education worksheet
Credit Profile Education
For individuals seeking personalized help understanding their available credit information.
Everything in Credit Foundations, plus:
- An educational walkthrough of client-supplied consumer reports
- An organized account inventory
- Explanation of differences between reports and information the consumer may wish to investigate
- A written financial education action plan
- One 30-minute follow-up session
Financial Readiness & Stewardship
For individuals and families preparing for more informed borrowing and financial planning.
Everything in Credit Profile Education, plus:
- One additional 60-minute session
- A household budgeting worksheet
- A debt-cost comparison worksheet
- Education on interest, APR, minimum payments, and total borrowing costs
- A borrowing-readiness checklist
- Discussion of financial priorities, recordkeeping, and stewardship
Scripture-based stewardship discussion available on request. Biblical interpretation is distinguished from factual financial explanations.
Monthly Consumer Services
Consumer Advocacy & Documentation Support
Ongoing consumer advocacy consulting and documentation preparation for clients addressing derogatory accounts, credit-reporting concerns, and debt-collection issues.
Scope categories
- Review client-supplied information concerning derogatory accounts
- Organize account records, supporting exhibits, and correspondence
- Prepare factual timelines and documentation packets
- Assist with drafting consumer dispute and complaint correspondence based on documented facts
- Provide consulting on recordkeeping, responses received, and possible next steps
- Maintain a monthly summary of completed work and outstanding items
How It Works
Four Clear Steps
Choose a Package or Request Help
Browse the packages below or submit an inquiry and we will help you identify the right starting point for your situation.
Submit a Short Inquiry
Tell us about your learning goals or documentation needs. Submitting an inquiry is not enrollment — it simply opens the conversation. Do not include Social Security numbers, account numbers, passwords, or sensitive financial documents in the initial form.
Receive Written Scope and Agreement
You receive a written service scope, fees, scheduling information, and the applicable agreement before any payment is collected. For monthly services, billing schedule, cancellation process, and included workload are disclosed before enrollment.
Complete Enrollment and Begin
Review and sign the applicable agreement, then we begin the agreed services together.
Your rights under the Credit Repair Organizations Act (CROA): You have the right to cancel a credit repair services contract within three business days of signing, without penalty. No payment for credit repair services may be collected before the agreed services are fully performed. All fees, billing terms, and cancellation procedures are disclosed in writing before you sign.
Get Started
Request a Package or Consultation.
Tell us about your learning goals or documentation needs. Submitting this form is not enrollment — we will follow up with a written scope, fees, and the applicable agreement before any payment is collected.
Do not enter Social Security numbers, account numbers, passwords, or sensitive financial documents in this form. Document sharing is arranged through a verified secure process after enrollment.
Frequently Asked Questions
Common Questions
Which package is best for a beginner?
Credit Foundations ($150) is designed for individuals who want a clear introduction to how consumer credit works — payment history, utilization, account age, inquiries, and how to read a credit report. If you already have your reports and want a personalized walkthrough, Credit Profile Education ($250) is the natural next step.
Do I need credit reports before my session?
Not necessarily for Credit Foundations. For Credit Profile Education and Financial Readiness & Stewardship, having your consumer reports available allows us to walk through your actual information. We can guide you on how to access them at no cost through AnnualCreditReport.com before your session.
Which prices are one-time and which are monthly?
Credit Foundations ($150), Credit Profile Education ($250), and Financial Readiness & Stewardship ($400) are one-time fees. Consumer Advocacy & Documentation Support is a recurring monthly service at $150 per month. Billing, cancellation, and included workload terms are disclosed in the written agreement before enrollment.
What does the $150 monthly service include?
The monthly service covers ongoing consulting and documentation preparation related to derogatory accounts, credit-reporting concerns, and debt-collection issues — including record organization, factual timelines, documentation packets, and correspondence drafting. The specific number of accounts, documents, and consultations included per month is defined in your written agreement before enrollment. Contact us to discuss your situation before enrolling.
Are dispute submissions included?
We assist with drafting consumer dispute and complaint correspondence based on documented facts. Whether submission assistance is included — or whether clients submit prepared documents themselves — is defined in the written agreement before enrollment.
Is monitoring included?
No. Credit monitoring subscriptions are not included in any package. We do not require a monitoring subscription to access education services. If monitoring is relevant to your situation, we can discuss options — any third-party cost is disclosed before purchase.
Are postage or third-party costs additional?
Yes. Prices shown are service fees. Optional third-party monitoring, postage, and other external expenses are additional when applicable and are disclosed before purchase.
Can I request scripture-based education?
Yes. Scripture-based stewardship discussion is available on request as part of the Financial Readiness & Stewardship package. Biblical interpretation is clearly distinguished from factual financial explanations throughout the session.
Are results guaranteed?
No. Services do not guarantee account deletion, a credit-score increase, debt elimination, funding approval, or a particular legal outcome. Accurate negative information cannot simply be removed because a consumer requests it. Results depend on individual circumstances, the accuracy of reported information, and creditor or bureau responses.
How do scheduling and cancellation work?
Scheduling details and cancellation terms are disclosed in the written agreement before enrollment. For credit repair-related services, you have the right to cancel within three business days of signing, without penalty, consistent with the Credit Repair Organizations Act (CROA). Specific rescheduling, refund, and document-retention policies are defined in your agreement — contact us with any questions before signing.
Contact
Ready to Get Started?
Contact Arias Vanier Gray LLC to discuss your situation and identify the right service for your needs.
Services provided by Arias Vanier Gray LLC (NAICS 561499 — All Other Business Support Services). These are educational and consulting services, not legal services. No specific outcomes are guaranteed.
Start With a Consultation
The first step is a conversation. We will assess your situation, identify the right service, and provide a written scope before any agreement is signed.
- No obligation to proceed
- Written scope before payment
- 3-day cancellation right
- No guaranteed outcomes promised