Your Credit Should Open Doors — Not Close Them.

Here’s the truth:

  • Turned down for a home, auto loan, or business funding?

  • Stuck paying outrageous interest rates?

  • Avoiding your credit report because you’re scared of what’s on it?

  • Ready to grow your business but can’t access capital?

  • Approved for nothing — even though your business is doing well?

Your credit score isn’t just a number.

It determines how much opportunity you’re allowed to access.

And when your score is low, you’re not just missing approvals — you’re overpaying for everything.

Here’s What’s Possible With My Help…

Tired of Seeing “Application Denied”?

You apply with confidence…

Then comes the email. The letter. The message.

“Unfortunately, we’re unable to approve you at this time.”

Lenders don’t see your hustle.

They don’t see your revenue.

They don’t see your work ethic.

They see a three-digit score — and decide your future from that.

And every denial?

It can add inquiries that make things worse.

But imagine this instead:

You apply — and lenders compete for your business.

Better limits.

Lower rates.

Stronger approvals.

That’s what happens when your credit is structured correctly.

Paying Too Much in Interest?

When your score isn’t optimized, you pay more than you realize.

This means:

  • That car loan? Thousands extra.

  • That credit card? Interest eating your payments.

  • That business funding? Profits shrinking because of high APR.

Banks label low scores as “risk.”

So they protect themselves — by charging you more.

Now imagine cutting those rates down.

Imagine keeping more of your money every month.

That’s the power of improved credit positioning.

Avoiding Your Credit Report?

If checking your score gives you anxiety — you’re not alone.

Many people don’t even know what’s on their reports.

Old collections. Reporting errors. Outdated accounts.

Information that may not even be accurate.

But ignoring it doesn’t fix it.

Facing it with a strategy does.

We review your profile strategically — identifying what impacts your score, what can be challenged, and how to rebuild properly.

No shame. No confusion. Just a clear plan.

Can’t Get Business Funding?

You built the brand.

You built the customer base.

You built the revenue.

But lenders are still looking at your personal credit profile.

This means:

  • Limited access to capital

  • Delayed expansion

  • Missed growth opportunities

Strong credit isn’t just personal — it’s leverage.

When structured correctly, it gives your business the power to move.

Doing Everything Right — But Still Rejected?

This is the frustrating part.

Your business is profitable.

You’re responsible.

You can afford the payments.

But lenders rely on data, not emotion.

They don’t see:

  • The sacrifices you made

  • The late payments that weren’t fully your fault

  • The outdated or questionable reporting

Credit optimization isn’t just about a score.

It’s about access.

It’s about leverage.

It’s about control.

Your Current Score Doesn’t Define Your Future.

But it does affect your options.

The question is:

Are you ready to take control?

PRICING TIER

The Approval Blueprint

$375

  • Six Structured Dispute Rounds

  • Full 3-Bureau Credit Audit & Strategic Plan

  • 45-Day Progress Updates

  • 24/7 Secure Client Portal Access

  • Dedicated Support Team

The Couples Approval Blueprint

$750

  • Six Structured Dispute Rounds

  • Individual Credit Audit & Strategy (Per Partner)

  • 45-Day Progress Updates

  • 24/7 Secure Client Portal Access

  • Dedicated Support Team

TESTIMONIALS

Trusted by Thousands—Proven Results!

Real-life examples of people who fixed their credit and secured loans, cars, homes, or business funding.

Ficomarz

aka Kyle Ferguson

I’m Kyle, founder of 3MB Solutions, and I’m originally from Northside, Queens, New York. I didn’t grow up with financial privilege or access to insider knowledge about credit, funding, or wealth building. Like many families, we were never taught how powerful credit really is — or how much it can impact your opportunities in life. I had to learn the hard way through trial, mistakes, and real-life experience.

Once I truly understood how credit works, everything changed. I studied it, mastered it, and applied it — not just for myself, but for my family. What started as personal education turned into financial transformation. I used credit strategically to create opportunities, build stability, and help free my family from financial limitations. That journey showed me that access to the right information can completely change someone’s life.

Today, I help individuals and families across the country repair, rebuild, and leverage their credit the right way. My mission is simple: give people the knowledge and strategy I didn’t have growing up. Because financial freedom isn’t about where you start — it’s about what you learn and how you apply it. And I’m committed to helping others build stronger financial futures for themselves and the generations after them.

Ficomarz

aka Kyle Ferguson

I’m Kyle, founder of 3MB Solutions, and I’m originally from Northside, Queens, New York. I didn’t grow up with financial privilege or access to insider knowledge about credit, funding, or wealth building. Like many families, we were never taught how powerful credit really is — or how much it can impact your opportunities in life. I had to learn the hard way through trial, mistakes, and real-life experience.

Once I truly understood how credit works, everything changed. I studied it, mastered it, and applied it — not just for myself, but for my family. What started as personal education turned into financial transformation. I used credit strategically to create opportunities, build stability, and help free my family from financial limitations. That journey showed me that access to the right information can completely change someone’s life.

Today, I help individuals and families across the country repair, rebuild, and leverage their credit the right way. My mission is simple: give people the knowledge and strategy I didn’t have growing up. Because financial freedom isn’t about where you start — it’s about what you learn and how you apply it. And I’m committed to helping others build stronger financial futures for themselves and the generations after them.

TESTIMONIALS

Frequently Asked Questions

How does your credit repair process work?

We start by reviewing your credit profile and identifying inaccurate, outdated, or unverifiable items. From there, we strategically dispute negative accounts with the credit bureaus and creditors while guiding you on the right steps to improve your overall profile. Every client receives structured updates throughout the process.

How long does credit repair take?

Results vary depending on your credit profile. Some clients see improvements within 30–45 days, while others may take several rounds of disputes. Credit repair is a process, not an overnight fix — but we focus on real, sustainable results.

What types of items can be removed?

We target inaccurate, outdated, duplicate, and unverifiable items including:

•Late payments

• Collections

• Charge-offs

• Repossessions

• Inquiries

• Certain public records

Each file is reviewed individually.

Is this legal?

Yes. Credit repair is legal under federal law (Fair Credit Reporting Act). You have the right to dispute inaccurate or unverifiable information on your credit report

Do you guarantee deletions?

No ethical credit repair company can guarantee specific deletions. What we guarantee is a professional, strategic, and compliant process focused on achieving the best possible outcome for your file.

Will this increase my credit score?

Removing inaccurate negative items can improve your credit score, but every credit profile is different. Our goal is to position your credit for long-term growth, not just short-term spikes.

What do I need to get started?

You’ll need:

• A copy of your credit report (we guide you)

• A valid ID

• Basic personal information

Once enrolled, we handle the dispute process.

How often will I receive updates?

We provide updates every 30–45 days as new responses come back from the credit bureaus and creditors.

Can I cancel anytime?

Yes. There are no long-term contracts. You can cancel services at any time.

What makes 3MB Solutions different?

We combine strategy, education, and real-world credit knowledge. We don’t just dispute items — we guide you on how to build and leverage your credit the right way for long-term financial growth.

Stop Letting a Three-Digit Score Control Your Future

Build. Repair. Position. Win

Start Your Credit Transformation Today

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