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Credit Therapy™ programs

Our Services

Three advisory-led Credit Therapy™ programs — and, further down, our grant services for businesses and nonprofits.

Program 01

Gold Momentum Therapy

Custom Pricing on your consult

If you’re preparing for a home, car, or business funding and need your profile positioned for success, Gold Momentum Therapy is your shift into high gear. This program provides advisory guidance and analysis to help you identify the most damaging items, map out your strategy, and prepare your file for powerful financial moves.

What you’ll gain

  • An expedited advisory plan designed to prioritize the most pressing negatives
  • Guidance on addressing charge-offs, collections, inquiries, and related items
  • Progress monitoring with real-time updates in your client portal
  • Priority advisor access for faster response times
  • Partner network support connections to trusted lenders, realtors, auto dealers, and tax pros
  • Education and financial growth tools to help you sustain momentum long-term

Who it’s for

Individuals who are actively pursuing new approvals and want strategic, high-level support to prepare their profile for the opportunities ahead.

Required: a SmartCredit credit-monitoring subscription at $29.99/month, for credit monitoring & analysis access. This is billed by SmartCredit — not by Lifeline Advisory Co — and is separate from the program fee.

Enroll → Secure checkout on our store (opens in a new tab). Not sure yet? Book a free consult first.
Program 02

Diamond Therapy

Custom Pricing by profile

Been told your file is “too far gone”? Diamond Therapy is where we prove otherwise. Complex profiles foreclosures, auto repossessions, layered collections, and stacked negatives require more than surface-level fixes. This program provides a deep-dive analysis and advisory strategy to help you navigate the most challenging reports with clarity, confidence, and precision.

What you’ll gain

  • A multi-layered advisory plan tailored to your unique profile
  • One-on-one strategy sessions with your advisor
  • Full access to your private client portal for updates and resources
  • Monthly progress reviews and milestone tracking
  • Partner support referrals to trusted professionals in real estate, lending, tax, and financial services

Who it’s for

This program is built for individuals carrying what others call “unfixable” profiles. Whether it’s a foreclosure, repossession, or multiple layered collections, Diamond Therapy gives you the strategic roadmap to overcome and move forward.

Required: a SmartCredit credit-monitoring subscription at $29.99/month, for credit monitoring & analysis access. Billed by SmartCredit, separate from the program fee.

Request pricing → Complex files are quoted after we review the report together.
Program 03

Couples Complex Therapy

Custom Priced per person

Financial challenges can feel overwhelming, but when you face them as a team, even the heaviest profiles can be overcome. This program is designed for couples managing more complex issues such as repossessions, foreclosures, or bankruptcy, and provides dual-track advisory strategies that address both individual files while aligning your shared financial future.

What you’ll gain (per person)

  • A tailored strategy plan for complex profiles
  • Monthly progress reviews and detailed reporting
  • A Couples Checklist to track joint milestones and priorities
  • Full access to your secure client portal
  • Partner support with trusted real estate, tax, lending, and financial professionals

Why it matters

When one or both partners are facing layered negatives, the path forward requires patience, precision, and accountability. Couples Complex Therapy equips you with a step-by-step roadmap, giving you clarity while helping both of you move in sync toward long-term stability and major milestones like homeownership or business growth.

Who it’s for

Couples ready to rebuild from heavier setbacks together, with structured support that keeps both partners aligned as you work toward a stronger financial foundation.

Required: a SmartCredit credit-monitoring subscription at $29.99/month per person, for credit monitoring & analysis access. Billed by SmartCredit, separate from the program fee.

Request pricing → Both files are reviewed before we quote.

These are advisory programs. Results vary by individual and depend on the accuracy of the information in your credit file. You have the right to dispute inaccurate information directly with the credit bureaus at no cost. Lifeline Advisory Co does not guarantee specific score increases or the removal of any particular item.

Grant services

Funding, from readiness to renewal

Credit is the foundation, not the whole build. LAC also takes businesses and nonprofits through the full grant cycle — readiness, research, the application itself, and staying compliant once you win.

Grant service 01

Grant Readiness Assessment

$350 $199.99one-time

Before you apply for a grant, you need to know if your organization is positioned to win. Many businesses and nonprofits miss out on funding simply because they lack the proper documentation or financial structure.

With our Grant Readiness Assessment, we review your core materials, including your business registration, financials, organizational mission, and program details. You’ll receive a customized Readiness Report that highlights:

  • What documents you already have in place
  • Any gaps that could disqualify you from funding
  • Step-by-step recommendations to strengthen your application potential

By the end of this process, you’ll have a clear roadmap of what funders are looking for and how to align your organization for maximum eligibility.

Get started → Checkout is on our store — opens in a new tab.
Grant service 02

Grant Research & Funding Matches

$250per month

Finding the right grant opportunities takes time, expertise, and strategy. Our team takes the guesswork out by conducting targeted research and delivering a curated list of active grants that match your mission, goals, and capacity.

Each month, you’ll receive:

  • A personalized list of 5–10 grants tailored to your organization
  • Key details including deadlines, eligibility criteria, and award amounts
  • Strategic recommendations on which opportunities best align with your goals

This service ensures you’re not wasting time chasing opportunities you don’t qualify for. Instead, you’ll have a focused, strategic pipeline of funding options that you can pursue with confidence.

Subscribe → Checkout is on our store — opens in a new tab.
Grant service 03

Grant Application Support

$500one-time

A well-written, persuasive grant application can be the difference between approval and denial. Our Grant Application Support service helps you present your organization in the strongest way possible.

We assist with:

  • Drafting new grant applications from start to finish
  • Editing and polishing existing applications for clarity and compliance
  • Writing supporting materials such as cover letters, executive summaries, and budget narratives
  • Ensuring your proposal matches funder requirements and evaluation criteria

Whether you’re applying for your first grant or scaling into larger opportunities, we provide the professional edge you need to stand out. With LAC’s support, your application will reflect both the heart of your mission and the credibility funders require.

Get started → Checkout is on our store — opens in a new tab.
Grant service 04

Compliance & Renewal Exit Plan

$250one-time

Winning a grant is only the first step, maintaining compliance and preparing for renewal is equally important. Many organizations lose funding because they fail to meet reporting obligations or plan ahead for renewals.

Our Compliance & Renewal Exit Plan gives you a customized roadmap that covers:

  • The specific reporting and documentation requirements tied to your award
  • Key deadlines and reminders for compliance submissions
  • Guidance on how to track and measure impact for future applications
  • Renewal strategies to keep funding flowing year after year

This service ensures you don’t just secure funding once, but build a sustainable relationship with funders that supports long-term growth.

Get started → Checkout is on our store — opens in a new tab.
Grant service 05

Business Operations Blueprint

$87 $49.99eBook download

The Ultimate Step-by-Step Playbook to Set Up, Structure, and Scale Your Business—No Matter the Entity Type

Whether you’re a sole proprietor, forming an LLC, S Corp, or managing a partnership—this guide is your all-in-one blueprint for building a legally sound, professionally positioned, and operationally organized business.

Designed for both new and established business owners, this downloadable eBook walks you through 25 essential steps—from choosing the right business structure and bank account, to setting up invoicing, digital systems, and preparing for long-term success.

Get the eBook → Checkout is on our store — opens in a new tab.

Grant services are advisory and preparation services. Funding decisions are made solely by the funder; Lifeline Advisory Co does not guarantee that any application will be approved.

Do it yourself

DIY credit tools built for real life

Five downloadable LAC guides — building, utilization, card approvals, inquiry challenges and collection disputes — from $19, or all five in the LAC Credit Vault for $149.

See the guides → The LAC Credit Vault — $149