A&S Consulting"A&S Consulting is legit. They helped me clear all my debt within 30 days."
Sarah
Client
Before → After
528 → 803
A&S Consulting · Family-owned, team-supported
Real People. A Clear Plan.
Credit Guidance You Can Understand.
We’re Seshsha and Ashlynn Henderson, married co-owners of A&S Consulting. With our dedicated team, we make financial education accessible and help individuals and families understand credit, make informed decisions, and create better financial opportunities.
20 minutes · No obligation · Understand your next steps
- No Credit Card Needed
- Free Credit Check From All Three Bureaus
- Cancel any time
Our mission goes beyond credit repair: transparency, education, opportunity, and building a lasting legacy. Our experiences taught us why understanding credit and preparing for the future matter.
Read Our Story$1.5M+
in debt addressed · founder-reported
$850K+
in client funding · founder-reported
Education
Understand your credit and options
Transparency
Realistic expectations. No guarantees.
How it works
Three simple steps to a clear plan.
01
Free Call
Start with a free call. We listen to your goals, answer your questions, and explain your service options.
02
Create Your Game Plan
We review your credit reports and find items that may be inaccurate, incomplete, or outdated. Then we create a personalized plan to help you improve your credit score, pursue personal or business funding, buy a car, or buy a home.
03
Guidance & Updates
We handle the disputes for eligible inaccuracies and teach you how credit works. You get progress updates and clear next steps in your client portal. Removals and score increases are not guaranteed.
Services
Everything you need to fix your credit.
One trusted team. One simple plan. We handle the hard work and teach you along the way — so you can make informed decisions about your next steps.
Credit Report Review
We help you understand reports from all three bureaus and identify information that may be inaccurate, incomplete, outdated, or unverifiable.
We Handle Disputes
We help prepare disputes for potentially inaccurate information and explain bureau responses. Accurate information cannot be promised away.
Score Building
Understand payment history, credit utilization, account age, credit mix, and new inquiries. Build responsible habits with a plan suited to your goals.
Financial Education
One-on-one guidance on credit, budgeting, and debt management. Learn how payment history and credit utilization affect your profile, and make informed financial decisions.
Understand what shapes your credit.
We help you read your reports, question potentially inaccurate information, and develop responsible credit habits. Together, we explore options that fit your situation—not promises of a certain score.
Payment history
Paying on time matters. We explain payment records and help you build habits to stay on track.
Credit utilization
This is how much of your available credit you use. We help you understand balances and credit limits.
Length of credit history
The age of your oldest and newest accounts, and their average age, may affect your profile.
Credit mix
Credit cards and installment loans are different types of credit. You do not need to borrow just to add variety.
New inquiries
Applications can create hard inquiries. We explain how to plan applications thoughtfully.
Report accuracy
We help identify information that may be inaccurate, incomplete, outdated, or unverifiable. Scoring models and lender decisions vary.
Business Setup & Funding
Build your business the right way
We help you set up your LLC and understand the next steps toward preparing for potential business funding.
Business Formation
We help you set up your LLC or corporation the right way, from day one.
EIN Assistance
We walk you through getting your Employer Identification Number (EIN) — the tax ID your business needs.
Business Banking
Guidance on choosing and opening the right business bank accounts for your company.
State Filings & Compliance
Help with official state filings and staying on top of ongoing compliance requirements.
Business Funding
Guidance with business lines of credit, business credit cards, business loans, and other lending options.
We provide guidance and preparation support. Approval for funding, credit, or loans is decided by lenders and is never guaranteed.
Book your free call.
Pick a date and time below — it takes less than a minute. A friendly 20-minute conversation with our team, no obligation, so you understand your credit, your options, and your next steps.
- Free check of all 3 credit reports
- A plan made just for you
- Easy pricing that fits your budget
Pricing
Choose your plan
One initial deposit, then a low monthly membership. Simple and clear.
#4 · Entry Level
Bronze— Essential
Best for: getting started with basic credit help on a budget.
$250
Initial Deposit
+$15/month
Ongoing Membership
- Basic credit review
- Disputes Done For You
- Basic credit tips
- Program updates
- Standard support
#3 · Personalized
Silver— Personalized
Best for: more personal guidance and ongoing reviews — more value than Bronze.
$500
Initial Deposit
+$37/month
Ongoing Membership
- Full credit report review
- Personalized credit guidance
- Disputes Done For You
- Ongoing monthly credit reviews
- Utilization and payment-timing tips
- Monthly program updates
- Progress updates in your portal
- Priority email support over Bronze
Most Comprehensive
#1 · Most Comprehensive
Gold— VIP
Best for: the most benefits and the highest level of support, plus big goals like a home or car.
$750
Initial Deposit
+$47/month
Ongoing Membership
- 3-Bureau Credit Analysis
- Personalized Credit Strategy based on your goals
- Disputes Done For You
- Ongoing Credit Reviews and guidance
- 1-on-1 Credit Coaching
- Major Purchase Preparation (home, car, business)
- VIP Priority Support and dedicated communication
- Fastest response times — top of our queue
- Credit-building plan (new accounts & limits)
- Debt and collections strategy
- Monthly score-progress review calls
- Detailed progress updates in your portal
#2 · Gold-Level for Both
Couples— Gold for Two
Best for: partners. Gold-level services for both, with separate credit profiles.
$1,000
Initial Deposit · covers both partners
+$47/month
$47/month total per couple
- Separate 3-bureau credit analysis for each partner
- Personalized strategy for each credit profile
- Disputes Done For You for both partners
- Ongoing reviews and guidance for both
- 1-on-1 coaching for both partners
- Major purchase prep for shared goals
- Priority support and dedicated communication
- Individual progress updates in the portal
- Coordinated guidance for housing and financing
- Joint goal-planning sessions
Couples: the $1,000 deposit covers both partners, and $47/month is one combined charge — not per person. Services help clients review and address information that may be inaccurate, incomplete, outdated, or unverifiable. Results vary. No specific outcome or score increase is guaranteed.
Private Partner Network
Partner With Us
Know someone who needs help? Refer them to A&S Consulting and earn 20% commission on every successful client.
Refer
Send us a client through our simple form.
We help them
Our team takes it from there.
You get paid
Earn 20% when they become a client.
Questions
Simple, honest answers.
Timing depends on your reports, documentation, and bureau responses. We explain next steps and share updates, but cannot promise a timeline or outcome.
Real results
Real people. Real wins.
"All my collections came off in just 2 weeks."
Heaven S.
Client
Before → After
541 → 688
"Thank you so much! My final score was 723 and my collections were removed."
Addison Smith
Client
Before → After
602 → 723
"My negative items were removed from my ChexSystems report in only 14 hours with no call required."
Addison Smith
Client
"My score started at 545 and got to 740! Thank you so much for this — you have no idea. You're the best!"
James
Client
Before → After
545 → 740
"I tried doing this myself for two years. In six months with the team my score jumped 176 points and I closed on my first home."
Marcus T.
Client · Atlanta, GA
Before → After
542 → 718
"They explained every step. No gimmicks. The coaching alone changed how my whole family thinks about money."
Jasmine R.
Client · Houston, TX
Before → After
588 → 742