Credit Counsel Elite

Credit Counsel Elite: strategic funding training with the 0% Capital Playbook system

Credit Counsel Elite is an American company founded in 2017 that presents itself as an alternative to traditional funding companies. Its proposition focuses on teaching entrepreneurs, business owners, and real estate investors a proprietary method, the 0% Capital Playbook, to access capital and use it as an investment tool. The firm claims to have helped more than 4,000 members and reports an average funding obtained per member of over $370,000, with approval rates of up to 90%.

The 0% Capital Playbook method

The system is structured in four stages: Foundation, Fix, Build, and Leverage. In the first, participants learn to interpret their credit report, understand the six categories that determine the FICO score, and manage 45 key credit metrics, as well as open bank relationships with benefits. The Fix stage focuses on repairing and strengthening the credit profile, with strategies to freeze third parties, apply the HUCA technique on calls, and use the company's proprietary correction packet. In Build, work is done on access to capital, optimizing limits and card benefits, building real business credit, and the mass application sequence. The Leverage phase seeks to turn credit into wealth, with options such as infinite banking, purchasing real estate, and accessing investment opportunities.

Differences from traditional funding companies

The company contrasts its model with that of conventional funding companies: while these charge fees of between 10% and 30% per round, do not teach how to repair the profile or repeat the process, Credit Counsel Elite claims not to charge percentage fees and offers training so that the member masters the system and repeats it every six months. According to its presentation, the goal is for the user to stop depending on third parties every time they need capital.

Results and member cases

The site collects testimonials from members who attribute funding obtained and business development to the company. Among them are mentioned an entrepreneur who launched a credit repair business with weekly revenues of $30,000, a real estate investor who obtained $300,000 at 0% interest and closed their first rental property outside their state, an investor who applied the teachings to personal credit, and a business owner who obtained $467,700 in credit, including a $100,000 card. The company indicates that some members have received funding in as little as 10 days, although the usual timeframe is between 30 and 90 days, with a current average of 72 to 80 days.

Training, resources, and inner circle

In addition to the playbook, Credit Counsel Elite offers free resources, trainings, AU calculator, blog, and podcast. For those seeking business credit, the Elite Inner Circle includes advanced strategies, vetted Non-PG pathways, and access to more than 160 business tradeline resources. The company also mentions access to a network of contacts for accounting, tax filing, trust formation, asset protection, and real estate and credit legal advisory services.

Origin and public presence

The founders, Brandon and Jennifer Elliott, went from restaurant jobs to building a portfolio of more than $14 million. They bought their first rental property in 2015, reached an 850 FICO profile, and generated more than $1.6 million with a single deal. Their system has been featured in media such as Forbes, Yahoo Finance, SuccessProfile Magazine, NBC, Ticker News, and HGTV. Brandon Elliott also produces a podcast on credit strategy, funding, and investing. The company is headquartered in the United States and operates primarily online.