Credit Approval Solutions was built from experience, faith, and a genuine desire to help people. We understand that credit challenges can feel overwhelming and personal, which is why our work has never been just about credit reports—it’s about people, second chances, and restoration.

Founded by Tina Hardy, a credit professional with nearly 20 years of experience, our company is rooted in deep knowledge of Metro 2 reporting standards, strategic disputing, and working directly with creditors and compliance managers, including complex matters like bankruptcies. After seeing how costly and unethical the industry can be, Tina chose a different path—keeping costs low, operating with integrity, and putting people first.

Clients purchase custom dispute letters, and unlike many companies, we process disputes and handle follow-ups at no cost—by choice, not obligation. We are a small team of seven, not a call center, and we value honest communication, transparency, and accountability. Every client has access to a secure portal to stay informed and connected.