Now Enrolling · Free credit assessment ·
Now Enrolling

From Knowledge to Wisdom.
From Wisdom to Wealth.

Repair your credit, build business credit, set up your company the right way, and open the door to real personal and business funding. One school. One plan. Real results.

Results in as fast as 14–30 days
Single & Duo packages
Mentorship from people who do this work
Danielle Todd, Founder of AQ Wealth University
Founder
Danielle Todd
Founder · AQ Wealth University
What We Do

Five pillars to build, protect, and leverage your wealth.

Cleaning up your credit, building business credit, or trying to get funded for the first time. You get the structure, the teaching, and the work done with you so you can move forward with confidence.

01

Credit Repair

Disputes, deletions, and strategy to remove negative items and lift your score quickly.

02

Rebuilding Credit

Tradelines, utilization strategy, and credit mix done right so your score holds and grows.

03

Business Structure

LLC formation, EIN, bank accounts, and compliance, all set up so lenders take you seriously.

04

Business Credit

Establish Dun & Bradstreet, vendor accounts, and trade lines to unlock real corporate credit.

05

Personal & Business Funding

Personal lines, business lines of credit, and capital placement, stacked the smart way.

06

Wealth University

Live trainings, replays, frameworks, and a community of people moving in the same direction as you.

Real Client Stories

Hear it straight from our clients.

Real people, real results. Tap a video to watch their journey.

Video Review
Real Client Story
Tap to play
Video Review
Real Client Story
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Real Problems

5 Common Factors
That Can Hurt Your Credit

Your credit report can carry damaging items that drag your score down for years. Each of the five below can be identified, verified, and often removed under federal consumer protection law.

We help clients review their reports and challenge items that may be inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Schedule a Credit Review →
01
FCRA §611

Late Payments

30, 60, or 90-day late marks that quietly erode your payment history for up to seven years. Single biggest drag on your FICO score.

FICO Score Weight 35%
42% Reports affected
30–60d Avg. removal
02
FDCPA §809

Collections

Third-party collection accounts appear as serious derogatory marks. Many are disputable under federal debt collection law.

Score Damage Potential High
28% Reports affected
14–45d Avg. removal
03
FCRA §611

Charge-Offs

The lender wrote the account off as a loss, but it still reports against you. Often challengeable if data is incomplete or inaccurate.

Score Damage Potential High
19% Reports affected
30–75d Avg. removal
04
Strategy

High Utilization

Balances near your credit limits. Reducing utilization is often the single fastest score lift available, sometimes in one billing cycle.

FICO Score Weight 30%
61% Of cardholders
<30d To rebalance
05
FCRA §605

Public Records

Bankruptcies, tax liens, and civil judgments can linger seven to ten years. Many are removable once the statute window closes.

Score Damage Potential Severe
11% Reports affected
45–90d Avg. removal
9 in 10 credit reports we review contain at least one inaccurate, outdated, or unverifiable item.
15 U.S.C. §1681 · Fair Credit Reporting Act
15 U.S.C. §1692 · Fair Debt Collection Practices Act
100% Within federal consumer protection law
Pricing

Choose your path to financial freedom.

Honest pricing. No fluff. Pick the package that fits where you are right now, and you can always upgrade later.

Pay Over Time — 4 interest-free payments
sezzle Afterpay Zip
Monthly Community

Skool Community Access

Weekly trainings, frameworks, replays, and the AQ Wealth network. Month to month, no contracts.

Credit Repair Packages

Every package shows two prices: a Single price for just you, and a discounted Duo price when you bring a partner along. Both are visible on every card so you always know what you're paying.

Standard

3-Round Credit Repair

Results in 30–90 days
Single
Just for you · one-time
$ 599
Duo Save $399
You + a partner · one-time
$ 799
What's included
  • 3 dispute rounds across all 3 bureaus
  • Personalized strategy & action plan
  • Removal of inaccurate negatives
  • Score-building guidance
Premium

Full Credit Repair

Done-for-you · until clean
Single
Just for you · one-time
$ 1,399
Duo Save $1,199
You + a partner · one-time
$ 1,599
What's included
  • Unlimited dispute rounds until done
  • Full credit profile rebuild
  • Tradeline & utilization strategy
  • Lifetime credit education access
Danielle Todd, Founder of AQ Wealth University
Meet the Founder
Danielle Todd
Founder · AQ Wealth University

Danielle built AQ Wealth University around a simple idea: people deserve real education, not just a service. She has helped hundreds of clients clean up their credit, structure their businesses correctly, and unlock funding the right way. Now she leads a team that does the same, every single day.

Real Results

Wins worth talking about.

From scores in the 400s to home approvals, business funding, and clean reports. These are real lifts in real timelines.

Verified
🏡

Approved for our first home after years of being denied. Closed at 6.4% APR. Felt like a dream.

JR
Jasmine R.
Charlotte, NC · Full Repair + Mortgage Prep
Before
562
+221 in 96 days
After
562
Verified
💼

Went from being denied for everything to a $50K business line in under 60 days. Then another $35K in 0% APR cards.

MJ
Marcus J.
Houston, TX · Expedited + Business Funding
Before
582
+208 in 47 days
After
582
Verified
🧾

Six charge-offs deleted, two collections gone. Finally felt in control of my financial future.

DR
Destiny R.
Atlanta, GA · Full Credit Repair
Before
541
+229 in 81 days
After
541
Verified
🚀

My LLC, my EIN, my D&B, all set up in under a week. Then $35K in business credit. Whole game changed.

TA
Terrence A.
Dallas, TX · Business Mentorship
Before
623
+193 in 38 days
After
623
Verified
🚗

Drove off the lot in a brand new SUV at 5.9% APR. Two months earlier I had been denied at three dealerships.

KW
Kalen W.
Phoenix, AZ · Standard 3-Round
Before
594
+158 in 64 days
After
594
Verified
⚖️

A bankruptcy from 2019 was finally removed. Plus three collections. Now we are pre-approved for a duplex.

MS
Monica & Stephen S.
Tampa, FL · Duo Full Repair
Before
498
+248 in 110 days
After
498

Results vary by individual. Names anonymized for client privacy where requested.

Real Reviews

What our clients are actually saying.

Real messages from real clients. These are people we have walked through credit repair, business structure, and funding.

Tap any review to view full size. Names and photos shown with permission.

Why AQ Wealth University

Why Other Companies
Fall Short.

Most companies send the same template letter for every client and call it a strategy. We built something different. Every dispute is targeted, every client has a dedicated advisor, and you see every move we make.

01  ·  Strategy
Targeted Disputes, Not Template Letters
Every challenge we file is built around your specific violations. We go after items that are inaccurate, unverifiable, or legally reportable under the FCRA and FDCPA — not cookie-cutter letters bureaus routinely ignore.
02  ·  Transparency
You Watch It Happen, in Real Time
Every dispute status, bureau response, and score update is visible in your client portal the moment it happens. You always know exactly what was filed, what came back, and what is next.
03  ·  Accountability
One Advisor. Your Entire Journey.
The same advisor who reviews your file on day one handles your case through completion. No call centers, no re-explaining yourself, no shuffled files. One relationship from start to finish.
04  ·  Growth
From Personal Credit to Business Funding
We do not stop at your personal score. While we repair your profile, we show you how to build business credit that stands on its own, structure your company correctly, and access capital without relying on your social.

← Scroll to compare →

Feature AQ Wealth Univ. Others
Personalized report review
FCRA / FDCPA-based strategy
Real-time client portal
Dedicated advisor (no rep switching)
Medical debt review
Credit-building roadmap included
Business credit guidance
Business funding education
500+
Clients served
100+
Avg. point increase
90d
Average timeline
Ready to stop settling for generic?
Schedule a free credit review. See exactly what is dragging your score down, and what we can do about it.
Get My Free Review →
Wealth Projector · Interactive

See your future, in real time.

Move the sliders. Pick a package. Watch what your credit, savings, and funding could look like 90 days from now.

Current Credit Score 580
Current Debt $25,000
Choose Your Package

Estimates only. Actual results vary by credit profile and market conditions.

Projected Score · 90 Days
760
+180 points
$15,200
Lifetime Loan Savings
$83K
Funding Capacity
4.6%
Better APR
Make This Real →
Mentorship

Learn it. Own it. Teach it.

Get into private mentorship with our team. Learn how to repair credit and structure businesses for yourself, for your family, or as a service you can charge real money for.

Credit Repair Mentorship

Master the Credit Repair Process

Learn how to dispute, delete, rebuild, and turn credit knowledge into income. We hand you the exact systems we use on clients every day.

  • Full dispute & deletion playbook
  • Client onboarding & systems
  • Pricing, packaging & sales scripts
  • Direct mentorship with our team
$3,500
Apply Now
Business Mentorship

Structure & Scale Your Business

From LLC formation to business credit to stacking funding, we walk you through every step of building a real, fundable business.

  • LLC, EIN & banking setup
  • Business credit profile build-out
  • Funding stack & lender strategy
  • 1:1 strategy sessions
$1,500
Apply Now
Business Setup · Done Right

Build a Fundable & Profitable Business Structure.

The Business Blueprint Mentorship is designed for aspiring entrepreneurs who want to launch their own business with a solid, fundable foundation. This program equips you with the tools, strategies, and guidance needed to create a professional, lender-ready business structure that can grow and scale successfully.

Lender-ready from day one
Scalable, professional foundation
What You’ll Learn & Receive

Fundable Business Structure

  • Establish a Professional Business Address
  • Form your LLC or Corporation
  • Obtain a Federal EIN
  • Secure a D-U-N-S Number for credit and funding purposes
  • Set up a Business Email and Phone Number
  • Create a Professional Website and Branding
  • + …and more
— Danielle Todd
CEO · AQ Wealth University
Apply Now
How It Works

A clear path from where you are to where you're going.

01

Apply

Tell us where you are with credit, business, and funding. Free intake.

~5 minutes
02

Strategize

We design the exact package and roadmap for your goals and timeline.

1–2 days
03

Execute

Disputes filed, structure set up, funding pursued, with you in the loop the whole way.

14–90 days
04

Elevate

You leave with clean credit, a fundable business, and the knowledge to stay there.

Lifetime
FAQ

Questions, answered.

How fast will I see results from credit repair?

Standard 3-Round packages typically deliver visible results in 30–90 days. Our Expedited packages are designed to deliver results in as little as 14–30 days.

What&#039;s the difference between Single and Duo?

Single covers one person. Duo lets you bring a partner (spouse, family member, or business partner) at a reduced combined rate. Same scope of work for both profiles.

Do I need credit repair before business credit?

Not always. Business credit can be built independently, but personal credit strengthens your funding capacity. We'll map the right sequence on your strategy call.

What does the $99/month community include?

Live trainings, frameworks, replays, and direct access to the AQ Wealth network. It's the easiest way to keep learning and stay sharp every month.

Is mentorship right for me?

Mentorship is for people who are serious about either building a credit repair business of their own, or really mastering business structure and funding for themselves. Apply and we'll talk to see if it's a fit.

Free Credit Review

Apply for credit repair
in five minutes.

Tell us where you're at. We'll review your situation and reach out within one business day with a custom plan and pricing.

Free Credit Review

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