About Us
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Lende Ready Inc. is a purpose-driven credit consulting firm dedicated to helping consumers repair, rebuild, and reclaim their financial power. We specialize in leveraging federal consumer protection laws, Metro 2 compliance, and personalized credit strategies to remove inaccurate, outdated, or unverified negative items from consumer reports.

But we’re more than just a credit repair company—we’re your strategic partner in financial transformation. Our team is composed of experienced credit analysts, consumer law advocates, and financial educators who work tirelessly to fight for our clients’ rights and provide actionable guidance every step of the way.

At Lende Ready, we believe credit is more than a score—it’s leverage. It’s access. It’s freedom. That’s why our services are built on a foundation of transparency, education, and empowerment. Whether you’re trying to secure housing, qualify for business funding, or simply rebuild after financial hardship, we meet you where you are and build a roadmap to where you want to be.

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What We Do
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At Lende Ready Inc., we take a no-fluff, law-backed approach to credit restoration and financial elevation. Our work goes far beyond generic disputes—we strategically target the negative items holding your report hostage using federal law, Metro 2 compliance, and custom-built game plans for each client.
We don’t guess. We analyze, audit, and attack.
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Consumer Law-Based Disputes
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We use laws like the FCRA, FDCPA, and 15 U.S. Code § 1681 to challenge inaccurate, unverifiable, or outdated data across all three major credit bureaus.

​Metro 2 Compliance Challenges
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We hold creditors and bureaus to the exact technical standards of Metro 2—if they can’t prove it, they must remove it. Period.

Bankruptcy, Collections & Charge-Off Removal
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We specialize in removing public records, debt collector accounts, and old charge-offs that are killing your score—legally and aggressively.

Credit Strategy & One-on-One Coaching​

We don’t just fix your report, we teach you how to keep it clean. You’ll learn how to build positive history, lower utilization, and set yourself up for approvals—not denials.​

Fast-Track Score Boost Options
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Need quick movement for an apartment, auto loan, or funding? We offer expedited solutions, tradeline strategies, and targeted account removal plans designed for rapid score increases.

Ongoing Education & Support

​We empower you with the knowledge to stay in control of your credit long-term—because the real flex is knowing how the system works and using it to your advantage.
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Our Story

Lende Ready Inc. was born out of a bold vision—to disrupt the traditional credit industry and empower everyday consumers with the truth, tools, and tactical strategies to take control of their financial futures. What started as a grassroots movement to educate underserved communities about consumer rights under federal law quickly evolved into a full-service credit consulting powerhouse rooted in advocacy, accountability, and real results.

We’ve seen firsthand how misinformation, predatory practices, and systemic barriers keep millions locked out of opportunity. That’s why we built Lende Ready differently. We operate at the intersection of consumer law, credit education, and real-world strategy, offering more than just dispute letters—we deliver transformation.

Founded by a team of credit strategists, legal researchers, and financial literacy advocates, our company reflects a deep commitment to justice and transparency. From challenging charge-offs and bankruptcies to erasing outdated collections and correcting false data, our mission is simple: empower people to learn, repair, and build a resilient financial life.

But our story isn’t just about fixing credit—it’s about reclaiming financial dignity. It’s about giving families the power to walk into a bank and hear “approved,” not “denied.” It’s about turning second chances into sustainable success. We blend proven Metro 2 compliance techniques, FCRA protections, and personalized coaching into a system that educates as it elevates.

Every file we touch is personal. Every success is shared. And every client becomes part of a movement that’s bigger than credit—it’s about rewriting the financial narrative, one consumer at a time.​
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Frequently Asked Questions

​These people had amazing results
Check out what they have to say!
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Getting back on track with my credit has been a daunting task for me. Knowing how important it is to maintain good credit, I reached out to Lende Ready and saw quickly. Pleased with not only the results but the customer service. 

Tina I. 

I thought it was going to take years to resolve a bankruptcy. After a few months Lende Ready, I am qualifiable again. I fully recommend them.

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Alex Farmakis 

Was needing a new car and my credit was messed up with Late Payments and old collections. I was referred to Lende Ready to help and was able to be approved for a new car in 90 days. 

Shanice M.

It has been a beyond amazing experience working with Lende Ready. Since day one this team has been extremely attentive. Almost everyday I’ve been updated with where we were in the credit repair process. Any questions or concerns I had, Mr. Black always made sure he was available and very informative. I began with a 540 and I am currently at a 710 and climbing. I’ve always been skeptical with credit repair but after working with Lende Ready I wouldn’t change a thing.
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Symphony P.

I had some bad experience with credit repair and Mr. Black and Lende Ready team came through. Within the first 45 days I started with Lende Ready I saw results, old accounts I thought I would never get off my credit came off and my score started to go up. Im now 70 days in and got over 5 Charge off removed and a 100 point jump on my score. Very happy working with Mr. Black and Lende Ready! ​

Navid I.

Collaborating with the Lende Ready Team always results in my deals closing. As a seasoned Real Estate Agent, having a quality credit repair team has been a game changer for lots of my clients. The team is professional and efficient. Never have to wonder whats happening with me clients thanks to the secured portal access that allows me to track and see each out my clients progress. 

Shervin K. 

I highly recommend Zackary Black and his Team at Lende Ready for credit repair. His team offers personalized, comprehensive solutions tailored to my financial needs. Zackary transparency and education throughout the process were invaluable—he explained each step and its impact on my credit score.
Thanks to his efficient handling of disputes and ongoing support, my credit score has improved significantly. He follows ethical practices and ensures compliance with the Credit Repair Organizations Act.
If you want reliable, effective credit repair, Zikari Black is the expert you need. I'm grateful for the results!​

Barbara W.