Do you guarantee my score will go up?
No. Nobody honest does. Bureaus and furnishers decide what stays on a report.
FAQ
Can you remove negative items that are accurate?
No. Neither we nor anyone else has the right to have accurate, current, and verifiable information removed from your credit report. We dispute information you believe is inaccurate, incomplete, or unverifiable.
Can I dispute errors myself?
Yes, for free. You can dispute inaccurate information directly with Equifax, Experian, and TransUnion at no cost. See how to dispute on your own.
When do I pay?
After the work is performed. For credit repair, we do not charge or collect any fee until the services we agreed to in writing are fully performed.
Can I cancel?
Yes. You may cancel a credit repair contract for any reason within 3 business days of signing it, without penalty or obligation. See your right to cancel.
Do you guarantee a loan?
No. We package. Lenders decide. If the numbers do not work, we will tell you before you spend on a full package.
Where are you?
Fort Worth, Texas. Consults by phone or form. We do not publish a street address on this site; our mailing address is included in any written agreement.
Do you write grants for nonprofits?
Yes. Narratives, budgets, and attachments for 501(c)(3)s, churches, and community groups. No guaranteed award. See the grant program page.
Do you do HUD or FHA loans?
We prepare the credit file and documents for FHA and HUD-related housing goals. We do not make loans and we are not a HUD-approved housing counseling agency. The lender or a HUD counselor makes the call.
Are you registered and bonded in Texas?
Yes. Top Shelf Fundability LLC (DBA Top Shelf Capital) is registered with the Texas Secretary of State as a Credit Services Organization. Texas CSO Registration No. 20260142 (expires 9/25/2027). A $10,000 surety bond, number 352105, issued through BondAbility (NGM Insurance Company), is on file for Top Shelf Fundability LLC d/b/a Top Shelf Capital, with the principal name updated by rider effective October 7, 2026. See the Texas CSO notice.
How do I start?
Use the consult form, call 910-978-1173, or email info@topshelffundability.com. Do not send Social Security numbers, dates of birth, bank or card numbers, or full credit reports through the form.