The audit
Thirty minutes on the phone or Zoom, with me. We go through your report line by line and I tell you what I see, in plain English.
CT Credit repair, Glastonbury Connecticut
No hype. Just execution.
I'm Sebastien Nesi. I help Connecticut people who got a no on a car, an apartment or a home find out exactly what on their credit file is causing it, and what to handle first. It starts with a free audit: a straight read of your file, not a pitch.
Glastonbury, CTWorking across Connecticut
30 minutes with SebastienPhone or Zoom, Monday to Friday
01 / 03
01 Why it's stuck
Most files aren't hopeless. They're misread.
Almost everyone I talk to has done something about their credit already. The problem is rarely effort. It's that nobody ever sat down and showed them what a lender actually sees.
A
Denied, and nobody told you why.
The letter says “based on information in your credit report.” It never says which line. So you guess, and guessing is how people spend a year fixing the wrong thing.
B
You paid it off. Nothing moved.
Paying a balance and repairing a report are two different jobs. Most people are told to do the first one and never hear about the second.
C
Right moves, wrong order.
Opening a card, closing one, settling a collection. Each of these can help or hurt depending on when you do it. The order is the plan, and it's different for every file.
02 What I do
The whole job, done by one person.
No call center and no handoff. The person who reads your file on the audit is the person who works it.
- Three-bureau reviewEquifax, Experian and TransUnion read side by side, so you know what each one reports and where they disagree.
- A plan, in orderWhat's hurting you most, what to handle first, and what doesn't matter yet.
- Challenge the inaccurateInaccurate, incomplete or unverifiable items get challenged with the bureaus and the companies reporting them. Accurate information stays.
- Build what's missingWhere it makes sense, adding positive history the right way so the report has something good to say.
- Updates every roundYou see what went out and what came back, every round.
- Straight answersYou have my direct line. Before you apply for anything, ask me first.
03 How it works
Three steps. The first one is free.
You decide nothing on the first call except whether it was worth your time.
The plan
You leave knowing what's hurting you, what to handle first and what doesn't matter yet. If I can't help, I'll tell you on that call.
The work
You get a written agreement and your credit file rights before you sign anything, and three business days to cancel for any reason. Then I do the work and you see every update.
04 The difference
What you won't hear from me.
“I’ll get you to a 700.”
Nobody can promise a score. It depends on what's on your file.“Done in 30 days.”
Bureaus and creditors set the pace. I won't make up a date.“We delete everything.”
Accurate, current information stays. That's the law, and it's the truth.“You need to sign up today.”
Take the plan home. Decide when you're ready, or not at all.
Just execution.
05 Meet Sebastien
Sebastien Nesi
Most of what I do is explain things nobody explained to you.
I run Nesi Solutions out of Glastonbury, Connecticut. There's no team of reps between us. I read your file, I build the plan, I do the work, and you have my number the whole way through.
Once you can see your report the way a lender sees it, the decisions get a lot simpler. That's the part I care about most: you should understand your own credit when we're done, not just have a better-looking report.
- Company
- Nesi Solutions LLC
- Based in
- Glastonbury, CT
- @originalsebby
06 Questions
Asked before every audit.
Something else on your mind? Call (475) 259-7822 or ask me on the audit.
Is the audit really free?
Yes. It's a read of your file and an honest opinion about it. There's nothing to sign and no card needed to book.
Can you guarantee a score or a timeline?
No, and nobody honestly can. It depends on what's on your file and how the bureaus and creditors respond. Be careful with anyone who gives you a number before they've read your report.
Can you remove negative items that are accurate?
No. Federal law gives you the right to challenge information that is inaccurate, incomplete or can't be verified. Accurate, current information stays on your report until it ages off. You can read the full statement of your rights here.
Couldn't I do this myself?
You can. You have the right to challenge items with each bureau directly, at no cost. What people come to me for is knowing which items matter, doing it in the right order, and staying on it every round until it's finished.
Do I need to pull my report before the call?
It helps. If you haven't, book anyway and I'll walk you through getting it.
What happens if I decide to work with you?
You get a written agreement and a statement of your credit file rights before you sign anything, and you can cancel within three business days for any reason.
07 Free audit
Pick a time. Bring your questions.
Thirty minutes with me, by phone or Zoom. Here's what happens:
- You pick a time that works.
- I confirm it and send the call details.
- We go through your report together.
- You leave with a plan, whatever you decide.
Rather I call you? Leave your details and I'll reach out.
Free credit audit with Sebastien30 min
Pick what the call is about to see open times. Trouble loading? Call (475) 259-7822.
Start with
the read.
Thirty minutes, free, and you'll know more about your credit than you did this morning.
Book your free audit