Founder of Tier One Access. Runs the firm out of Delray Beach, Florida.
Specializes in positioning credit files for major purchases — exotic auto,
business capital, property.
M.S. Artificial Intelligence — graduate work focused on the scoring models the three major bureaus use to compute FICO Score 8.
Working reference on FCRA (Fair Credit Reporting Act, 15 U.S.C. § 1681), CROA (Credit Repair Organizations Act, 15 U.S.C. § 1679), and FDCPA (Fair Debt Collection Practices Act).
Reads FICO Score 8 / 9, VantageScore 3 / 4 model inputs — knows what each model rewards and penalizes.
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Experience
The work log.
Thousands of client files worked across all three bureaus.
Twenty-six active dealership and financing-agency partnerships driving day-to-day referral volume across South Florida.
Files positioned for auto approvals, mortgage qualification, business capital, personal loans, and card acquisition.
Every engagement is CROA-compliant: written agreement, three-business-day federal and five-day Florida cancellation window, month-to-month billing after work is performed.
Individual outcomes vary by file. Nothing on this page constitutes a guarantee of any specific result on any other file.
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Methodology
How the firm reads a file.
Every letter is hand-drafted against the specific inaccuracy or statutory violation on the file. No template language.
Strategy sits around the purchase — the auto, the mortgage, the business capital — not a generic score target.
Monthly progress reports itemized across all three bureaus every cycle.
Direct communication — the client talks to the specialist assigned to their file, not a queue.
Post-dispute positioning: utilization guidance, account-mix strategy, and new-credit timing to align the profile with the product being applied for.
The network
Three industries. One credit playbook.
The firm sits at the intersection of high-ticket sales and lender approvals. These are the partner categories driving day-to-day volume.
Exotic Auto
Ferrari · Lamborghini · McLaren · AMG
Volume partners across South Florida's exotic-auto market. Average ticket $150K–$500K+. Buyers walk in with cash on hand and files that need positioning — the firm handles the second half.
Powersports
Marine · Motorcycle · ATV · Jetski
Recreation-vehicle dealerships across the Southeast. Sub-prime is the rule, not the exception. Files that come back positioned close at a much higher rate than the dealer's organic flow.
Financing Agencies
Independent brokers · Prime & sub-prime
National financing agencies placing auto, mortgage, business capital, and personal loans. We work the profile; they place the deal at the right lender at the right tier.
Partner spotlight
A look at the main partner.
A short look at the kind of operation Tier One Access sits behind — the grand opening of the firm's longest-running dealership partner in South Florida.
