Built by someone who's been in your seat.
I'm Ricky, founder of Top Flight Consulting. For the past 3–4 years I've been dedicated to helping individuals and entrepreneurs improve their financial future through credit restoration, business consulting, and financial education.
I've invested well over five figures into mentorships, training, and industry education to serve my clients at the highest level. Continuous learning, real-world experience, and a genuine passion for helping others are what set Top Flight Consulting apart.
To date I've served over 1,000 clients from all walks of life, with a 90% success rate on deletions within 90 days for qualifying accounts. Every credit profile is unique and results vary — but my commitment to honest, results-driven guidance never changes.
When you choose Top Flight Consulting, you're more than another client. Every situation is carefully reviewed, every strategy is customized, and every goal is taken seriously. Your success is the mission — and we're ready to help you take flight.
— Ricky, Founder ✈️
Ricky · Founder
Three stages to financial liftoff.
A clear, proven process — no guesswork, no fine print. Here's exactly how we get you off the ground.
Pre-Flight Review
We sit down, review your full credit profile, and map a customized strategy. You'll know exactly where you stand and what's possible — before you spend a dime.
Takeoff & Disputes
We launch your dispute rounds and go after every negative item on your report — collections, late payments, charge-offs, inquiries — fighting for deletions on qualifying accounts.
Cruising Altitude
Beyond removals, we help you build a strong, lasting credit profile so you can get approved for the home, the funding, or the vehicle you've been working toward.
Choose your flight path.
Straightforward pricing. Real strategy. Pick the level of support that fits where you're headed.
Basic Credit Repair
For getting the negatives off, fast.
- 3 full rounds of disputes
- Attacks ALL negatives on your account
- Proven dispute strategy & documentation
- Honest, transparent guidance throughout
Credit Repair + 90-Day Mentorship
For repairing AND building lasting credit.
- Full credit repair (all negatives attacked)
- Hands-on help building your credit profile
- 90 days of 1-on-1 coaching & support
- Direct access to answer any questions you have
Real people. Real takeoffs.
“Add a real client testimonial here. Share a specific win — a score jump, an approval, items removed.”
“Another genuine review goes here. Keep it honest and specific to build the most trust.”
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Before you take flight.
Yes. You have the legal right to dispute inaccurate, outdated, or unverifiable information on your credit reports. We simply use proven, compliant strategies to do it effectively on your behalf.
Many qualifying accounts see results within 90 days, which is where our 90% deletion success rate comes from. Every credit profile is different, so timelines and outcomes can vary based on your specific situation.
During your free consultation we review your report and identify which negative items are good candidates for dispute. We'll be upfront about what we can realistically pursue before you commit.
Basic Credit Repair ($500) focuses on attacking the negatives with 3 dispute rounds. The 90-Day Mentorship ($1,200) includes full repair PLUS hands-on coaching to build your credit profile and 90 days of 1-on-1 support.
No honest company can guarantee specific score increases or removals — and we won't either. What we guarantee is proven processes, transparent communication, and genuine commitment to your goals.