SafeArbor Consulting helps everyday people negotiate collections, customize dispute letters, and put together a 90-day plan to move their credit score 30–80 points. Real strategy. No $99/month subscriptions.
Services
Pick the one that fits where you are right now. Every package includes the same core promise: a clear plan you can actually execute.
A focused 30-minute call to review your 3 reports, identify what's hurting you, and walk away with a custom 90-day plan.
All 5 dispute letters, customized to your reports and ready to mail. Delivered in 24 hours. The fastest path to disputed items.
Full credit-fix package: 3 coaching calls, all 5 customized letters, weekly text check-ins, and direct support through every dispute.
How it works
No corporate runaround. No long contracts. You book, we work, you walk away with a plan.
Use the form below. Pick a service, tell me your situation in 2-3 sentences. Takes 60 seconds.
You get a payment link, calendar link to book your call, and an intake form to share your reports securely.
Your coaching call happens within 48 hours. Letter packs delivered in 24 hours. 90-day plans kick off the same week.
Most clients see their first negative item removed within 30-45 days. Many move 30-80 points in 90 days when they follow through.
Why SafeArbor
I'm Manny Harmon. I founded SafeArbor Consulting after going through my own credit-fix journey — pulling all 3 reports, negotiating Pay-For-Delete on collections, and putting together the same 90-day plan I now build for my clients.
I'm not a "credit repair company" charging $99/month forever. I'm a one-time fix or a 90-day partnership. Most credit-repair shops are using these exact same letter templates and charging you $1,200+ a year. I'll customize them for you in 24 hours and walk you through how to send them.
Beyond credit, SafeArbor handles debt strategy and generational wealth consulting — because once your credit is fixed, that's when the real work starts: building something that outlives you.
Manny pulled my report apart, told me which collection to attack first, and the exact words to use on the call. I had a Pay-For-Delete agreement in writing 11 days later. My score moved 24 points the next month.
Letter templates built around real consumer-protection law — Section 611, 609, and 809.
Pay once. Get the deliverable. No auto-renewing $99 traps. The same letters credit-repair shops use.
Weekly check-ins on the 90-day plan. We don't disappear after the kickoff call.
You learn the system as we work. Next time something hits your credit, you'll know exactly what to do.
FAQ
No. SafeArbor is a credit-education and document-preparation service. I help you understand your reports and prepare correspondence — you mail and manage the disputes yourself. This keeps the work transparent, affordable, and compliant.
No one legally can. But here's what's realistic: clients who follow the 90-day plan typically see 30-80 points of movement. The Onemain charge-off case study above moved 24 points in one month. Results depend on your starting point and on you sending the letters and making the calls.
Letter packs: 24 hours from intake. Coaching calls: booked within 48 hours. 90-day plans: kickoff call within the first week.
If you do not walk away from your call with a clear, written plan, I refund you in full. The plan is the deliverable — and I have never had to issue a refund.
Chime ($SafeArbor) or Zelle (safearborconsulting / SafeArbor Consulting LLC) — whichever is easier for you. Tags are below the form.
Yes. Reports are shared via a private encrypted link, used only to customize your deliverables, and deleted within 30 days of completion. I never store your SSN.
Get started
Fill this out and I'll respond within 4 hours with next steps. Chime and Zelle accepted.
Or pay directly
Use one of the options below and text me your name + the service. I'll send your intake link.
Every dollar SafeArbor earns goes into one of three buckets: client work, debt payoff, or seed capital for the family trust. You're not paying a corporation — you're funding a household, and getting a real deliverable back.