We help you understand your credit reports, challenge items that are inaccurate, outdated or unverifiable, and build the habits that keep your credit strong.
I'm Charlene Lambis, a U.S. Army veteran and the founder of CredNova. The Army taught me discipline, honesty and follow-through, and I bring those same standards to every client I serve.
Credit can feel confusing and personal. My job is to explain exactly what's on your reports, handle the disputes the right way, and teach you how to keep your credit strong long after we're done working together. No hype, no false promises, just steady progress.
We review your reports from all three bureaus with you, line by line, and talk through your goals.
We challenge items that are inaccurate, outdated or unverifiable, and track every response from the bureaus and creditors.
We coach you on payment history, utilization and new positive credit so your progress lasts.
Results vary. Accurate, timely negative information can generally stay on your report for up to seven years, and no one can legally remove it.
You are never charged before the work is done. Each month's fee is billed only after that month's services have been fully performed. You may cancel any contract within three business days of signing, and you can stop service at any time after that. Results vary and are not guaranteed.
No. Checking your own credit is a soft inquiry and does not affect your score.
Credit bureaus usually must investigate a dispute within 30 days. Most clients see their first responses within one to two months, but every report is different and results vary.
No, and you should be careful of anyone who does. We can challenge items that are inaccurate, outdated or unverifiable, and we'll teach you how to build positive credit, but no one can promise a specific score.
Never upfront. Your free credit analysis costs nothing, and program fees are billed only after each month's services are completed.
Yes. Your documents are stored securely, shared only with those who need them to do your disputes, and never sold.
A 20-minute call to look at your goals and walk through your options. No pressure, no obligation.
Book your free callOr email charlene@crednova.us