For people ready to stop getting denied and start getting approved
From credit restoration to home, car, personal, and business funding — plus your LLC set up in about a week. One team, one plan, built around your goals.
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Chicago skyline poster Based in Oak Brook, Illinois
Optional before your call
Not sure of your current score? Review your credit with SmartCredit® and bring your current report details for a more personal conversation.
SmartCredit® is a separate paid credit-monitoring membership with its own terms. It is not required to book your free call or receive free credit repair. Without report details, the call may be more general; your information is not sent to us automatically.
Free 30-minute strategy call
Book My Free Strategy CallCredit repair work is free • Results vary by profile
About Us / Our Story
The name has changed. The people-first approach to credit has not.
Under our former name, Golden Life Consulting, our goal was to make the path through credit restoration feel less stressful and more understandable. Golden Tier carries that same personal approach forward.
As a financial advising firm, we review your reports with you, help identify items you disagree with, and explain how positive history can help create a more balanced credit profile. Our focus is a clear plan suited to your situation—not a one-size-fits-all answer.
Based in Oak Brook, Illinois Here for your next chapter.
What you can expect
Professional credit certification
A member of our team holds a professional credit certification through the National Association of Credit Management (NACM). About NACM’s program
Credit repair work and strategy consultations are both free.
Get to know your team and stay connected throughout the process.
Learn how the items on your reports and new positive history shape your profile.
Discuss practical next steps tailored to your situation and goals.
The people behind the progress
Feedback from clients of Golden Life Consulting, now Golden Tier. Their words say more than we ever could.
“Angelica and Dejuan get RESULTS. Period. They handled my credit situation quickly and professionally, and I started seeing improvements faster than I expected. They’re responsive, honest, and they know exactly what they’re doing.”
“They are seriously the best, they were on top of my credit reports every month, anytime i reached out to them, they were always here to update me, they are respectful and the best!!”
“Golden Life Consulting is the real deal! There are many credit repair companies out there, but Golden Life Consulting is above the rest! They take the time and effort to not just repair your credit, but inform and educate their clients every step of the way.”
“If you’re looking to improve your credit score GOLDEN LIFE CONSULTING is the team for your dreams”
More client voices
More client-shared accounts from our Golden Life days. Each story links to its source post or supplied graphic for context.
Client-reported credit progress
“2 yrs ago my credit was in lower 500s. Thanks to DeJuan Manuel, Angelica McCallister with Golden Life Consulting, these are my scores and they're continuing to be on the up and up.”
A personal connection
“I really want to appreciate DeJuan Manuel for helping me change my credit.”
In the original post, Vasi describes moving from skepticism to trust in the help they received.
One more client voice
“They were very responsive, professional, and quick to communicate. They truly followed through on what they promised and made the entire process feel easy and stress-free.”
Cecy HernandezSupplied testimonial graphic
View source graphicIndividual experiences are personal; results vary by profile.
A simpler way forward
Getting help with your credit can feel stressful and confusing. Our approach starts with understanding your reports, then building a strategy around your situation.
We securely gather the information needed and review your credit reports to understand where you’re starting.
We walk through your credit history and identify the items you disagree with that may be affecting your report.
We look at your positive history, discuss ways to build a more balanced report, and tailor the next steps to your goals.
Start with a conversation
Review your reports with a credit analyst and get a clearer picture of the path ahead. Consultations and credit repair work are free.
Questions, answered
Straight answers about our free credit repair work and free strategy consultations.
Yes. Golden Tier’s credit repair work is offered at no charge. We’ll explain how the process may apply to your situation during a free strategy call; individual results still vary by profile.
Yes. There is no consultation fee for the 30-minute strategy call. Choose a time online, or call (630) 290-0750 if you’d rather speak with us first.
No. You can book your free call without a SmartCredit® account or a known score. If you want current details to discuss, you may review your credit with SmartCredit® beforehand and bring that information to the call. Without it, our discussion may be less personalized until we review your reports. SmartCredit® is a separate paid credit-monitoring membership with its own terms; signing up does not automatically share your information with Golden Tier.
We’ll talk through your goals and credit questions, discuss any report items you’d like us to look at, and explain how we review reports and plan next steps. It’s a starting point for a strategy shaped around your profile.
There is no fixed timeline or guaranteed score change, item removal, mortgage decision, or funding approval. Every profile is different. We’ll discuss what we can review and what the next steps may look like for you; results vary by profile.
Have a question about your own situation? Book a free strategy call