Unlock Approvals in 90 Days or Less with My Proven Credit Game Plan!
At Royalty FF & Associates, founded by LeRachia—widely recognized as Coach Credit Bae—we deliver transformative credit and financial solutions for individuals and businesses. Our board-certified expertise, trusted since 2015, ensures every client enjoys the best in credit repair, business credit building, and funding strategy.
OUR SERVICES
CREDIT COACHING
We help you take control of your personal credit with Metro 2–compliant strategies, legal dispute methods, and hands-on coaching. From cleaning up negative items to building a solid foundation, we set you up to qualify for homes, cars, and business funding.
BUSINESS CREDIT/CAPITAL
We guide you through structuring your business the right way so lenders say yes. Our process builds a strong business credit profile, unlocks high-limit credit cards and lines of credit, and positions you to get funded without depending on your personal credit.
TAX PREPARATION
We don’t just prepare taxes—we hire and train tax professionals to serve our community with accuracy and excellence. Our team helps individuals and businesses maximize refunds, minimize liabilities, and keep their finances in position for funding.
WHO WE ARE
Empowering Growth. Elevating Credit. Unlocking Capital.
What We Can Remove From Your Credit Report
Bad credit isn’t forever. At Royalty FF & Associates, we use Metro 2 compliance and consumer protection laws to hold the credit bureaus and creditors accountable. That means if an account can’t be 100% verified, it must be corrected or deleted.
Here’s what we help clients remove:
- Collections – medical bills, utilities, phone bills & more
- Charge-Offs – accounts written off by lenders
- Late Payments – missed or inaccurately reported lates
- Repossessions – car notes that weigh down your score
- Evictions & Foreclosures – housing issues holding you back
- Bankruptcies – Chapter 7, 11, and 13 (when reporting incorrectly)
- Student Loan Defaults – lates and errors that block approvals
- Child Support Lates – if reported wrong or unlawfully
- Tax Liens & Civil Judgments – when inaccurately reported
- Hard Inquiries – unnecessary or unauthorized pulls
- Fraud & Identity Theft Accounts – items that don’t belong to you
⚡ Bottom line: If it’s hurting your credit and can’t be proven accurate, timely, and verifiable—it’s on the chopping block.
HOW WE WORK
1. Analyze
We pull your full 3-bureau credit report and identify every negative item holding you back.
2. Dispute
Using Metro 2 compliance and consumer protection laws, we challenge inaccurate, unverifiable, and outdated accounts until they’re corrected or deleted.
3. Build
We guide you in adding positive credit, lowering utilization, and structuring your profile for funding and approvals.
Ready to see how we can help you?
Interested In a Free Credit Consultation?
Our Mission:
To help ambitious clients build stronger businesses, access critical capital, and achieve personal financial milestones faster—with clarity, expert support, and real results.
TESTIMONIALS
Our Client Reviews
I can’t thank Creditbae enough for helping me fix my credit. Her customer service is very good, she’s willing to go above and beyond to help. Before working with her, I struggled with low credit scores that kept me from making important financial moves. When I first signed up we set a goal to have. The goal was that I’ll have a new car by my birthday. Thanks to her expertise and dedication, my credit improved significantly, and I was finally able to purchase a brand-new car! This was a huge milestone for me, and it wouldn’t have been possible without their help. I highly recommend working with her to anyone looking to take control of their credit and financial future!
-Aniyah R.
I just want to say this was one of the best decisions I ever made. Working with Royalty Financial Futures has helped me make great progression on my credit repair journey. I have seen instant results from 15 hard inquiries being deleted , with 4 collections being removed. Before Royalty Financial Futures I was buying kits and services with no results at all. But since Royalty Financial Futures I have been getting approvals , deletions and more. If you are thinking about getting your credit repaired Royalty Financial Futures is the way to go.
-Shayla G.
Office: 704 East Main St. Sut Plymouth NC 27962
Call 252.505.9414
Email:[email protected]
coachcreditbae.com