Credit Repair and the Road to 800 Program in Columbus, Ohio and Nationwide
The Road to 800 program is ATDS's guided approach to credit repair. We review your credit report, help you understand what is on it, prepare dispute materials for inaccurate items, and point you toward habits that support building credit over time. In person or through virtual appointments, nationwide.
AFSP — Record of Completion Holder | Listed in the IRS Directory of Federal Tax Return Preparers with Credentials and Select Qualifications.
What Credit Repair and Credit Assistance Are
Credit repair is the process of reviewing your credit report, identifying information you believe may be inaccurate, outdated, or unverifiable, and working to have that information corrected or removed through the dispute process. Credit assistance goes a step further by helping you understand the factors that shape your credit and the habits that can support building it over time. The Road to 800 program is the name of ATDS's guided credit repair and credit-building service. The name describes the program, not a guaranteed score. ATDS does not guarantee a particular credit score, the removal of any specific item, or any particular credit outcome. Results depend on your individual credit history, the accuracy of the information on your report, and the responses of the credit bureaus and creditors.
Who Credit Repair Is For
ATDS serves a wide range of clients. Here are some of the people this service is built for.
Common Needs We Address
Every situation is different. Here are some of the needs ATDS regularly helps clients resolve.
Inaccurate or outdated information
Accounts, balances, or personal details that do not look right can stay on a report and affect how lenders see you. We help you review your report and prepare dispute materials for items you believe are inaccurate.
Confusion about what is on the report
Credit reports can be hard to read. We walk through your report with you and explain what each item means and how it may affect your credit.
Rebuilding after a setback
Late payments, collections, or other negative marks can take time to age off a report. We help you understand where you stand and what steps may support rebuilding over time.
Preparing for funding
Stronger personal credit can matter when you apply for business or personal funding. We help you understand your report before you apply, without promising any approval.
Building credit from the start
If you are new to credit, we explain the factors that shape your score and the habits that can help you build a positive credit history over time.
Why Work With ATDS
More than taxes. ATDS brings year-round tax, financial, and business support to every client we serve.
A clear review of your credit report
We review your report with you and explain what is on it in plain language, so you understand your starting point before taking any action.
Dispute preparation assistance
For items you believe are inaccurate, outdated, or unverifiable, we help you prepare dispute materials to submit to the credit bureaus and creditors.
Credit-building direction
Beyond disputes, we explain the habits and factors that can support building credit over time, so you have a path forward rather than a one-time fix.
Connected to your bigger financial picture
ATDS is more than a tax company. Because we also handle tax preparation, bookkeeping, and funding assistance, your credit work can be part of a broader financial plan.
Virtual appointments, nationwide
Based in Columbus, Ohio, we work with clients across all 50 states through secure virtual appointments.
The Credit Repair Process
A clear, structured process so you always know what comes next and what to expect.
Review
We review your current credit report with you and explain what is on it, including accounts, balances, and any items you believe may be inaccurate or outdated.
Identify
Together we identify items that may warrant a dispute and the factors that are currently shaping your credit, so you understand your starting point.
Dispute
For items you believe are inaccurate, outdated, or unverifiable, we help you prepare dispute materials to submit to the credit bureaus and creditors.
Monitor
We point you toward approved credit-monitoring tools so you can watch your report for changes and new activity during and after the service period.
Build
We explain the habits and factors that can support building credit over time, so you have a clear path forward rather than a one-time fix.
Credit Repair Options
Choose the option that matches your situation. Not sure which you need? Schedule a consultation and we will help you decide.
Credit report review
A guided review of your current credit report to help you understand what is on it and how each item may affect your credit.
Dispute preparation assistance
Help preparing dispute materials for items you believe are inaccurate, outdated, or unverifiable, ready for you to submit to the credit bureaus and creditors.
Credit-building guidance
Direction on the habits and factors that can support building credit over time, tailored to your situation.
Credit monitoring direction
Guidance on using approved credit-monitoring tools to watch your report for changes and new activity during and after the service period.
Credit connected to funding preparation
Pair credit repair guidance with our personal and business funding assistance so your credit work lines up with your funding goals.
Related ATDS Services
Many clients also benefit from these year-round services from ATDS.
Business Funding
Personal and business funding assistance that helps you understand your options, prepare your profile, and approach lenders with a clearer picture. No approval, rate, amount, or timeline is guaranteed.
Learn moreIndividual Tax Preparation
Individual federal and state income tax preparation, filed accurately and on time.
Learn moreBusiness Tax Preparation
Business tax returns for S-Corps, C-Corps, partnerships, nonprofits, estates and trusts.
Learn moreBookkeeping
Ongoing bookkeeping that keeps your business records organized, accurate, and ready for tax preparation.
Learn moreBusiness Formation / S-Corp
Business formation and structuring assistance for S-Corps, C-Corps, partnerships, estates and trusts, including S-Corp election guidance.
Learn moreTax Resolution & Tax Debt Assistance
Assistance addressing tax debt, back returns, and IRS notices through a structured review of your situation.
Learn moreWhat Clients Say
Real ATDS client reviews are shared here as they become available.
“My experience with American Tax Dream Services was Amazing! The last two years Dayshia has been my tax preparer is she is definitely one of a kind Very nice, Very professional! Choose Dayshia to be Tax preparer!!!”
“I can't say enough great things about Ms. Resse at American Tax Dream. From the moment we started, she was professional, thorough, and incredibly patient. She took the time to break everything down in a way that was easy to understand...”
“Dayshia I am so thankful for your help with assisting me with my taxes I definitely would refer everyone to her, She works very fast and gets you the most for your hard earned work all year!! Dayshia you are awesome I look forward to continuing to get my taxes done by you every year!!”
Credit Repair FAQs
Common questions about credit repair with ATDS.
Ready to Get Started With Credit Repair?
Schedule a consultation with ATDS today. We will review your situation and explain your options in plain language, in person or virtually.