Flucas & Flucas Program
Repair your credit. Unlock your front door.
A guided credit-repair program built for Maryland buyers. We clean up your report, raise your score, and hand you to a lender ready to approve you — typically in 90–180 days.
The Program
A four-step path to mortgage-ready
Free Credit Review
We pull a soft-credit snapshot from all three bureaus and walk you through what's helping — and what's hurting — your score.
Dispute & Remove
Our team challenges inaccurate, outdated, or unverifiable items: late payments, collections, charge-offs, and identity errors.
Build & Boost
Personalized utilization plan, secured tradelines, and on-time payment coaching to lift your FICO score month over month.
Mortgage-Ready Handoff
Once you're in the qualifying range, we hand you directly to our preferred lender network — no restart, no surprises.
Pricing
Pick the plan that fits your timeline
Most clients see meaningful score lift within the first two cycles. Buy a home with us and we credit your last 2 months back at closing.
Essential
- Tri-bureau monitoring
- Up to 6 disputes / cycle
- Monthly progress report
- Email support
Homebuyer
- Everything in Essential
- Unlimited disputes
- Utilization & tradeline coaching
- Direct lender handoff
- Bi-weekly 1:1 calls
Concierge
- Everything in Homebuyer
- Dedicated credit specialist
- Goodwill & negotiation letters
- Identity-theft remediation
- Priority lender placement
Not sure where your credit stands?
Book a free, no-obligation credit review. We'll tell you exactly what's holding you back — and the fastest path to a mortgage approval.