Vandegrift Financial Group

Vandegrift Financial GroupVandegrift Financial GroupVandegrift Financial Group

Vandegrift Financial Group

Vandegrift Financial GroupVandegrift Financial GroupVandegrift Financial Group

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About Vandegrift Financial

Our Mission

Vandegrift Financial Group was built by people who know exactly what it feels like to be overwhelmed by debt, ignored by creditors, and unsure where to turn. Before this company existed, we were individuals facing our own financial battles—staring at credit reports that felt impossible to fix, answering calls we were afraid to take, and trying to understand a system that never seemed designed to help us.

But instead of giving up, we chose to fight back.

We dug into the credit laws, learned our rights, and uncovered the truth about how the credit industry works. We challenged creditors, corrected what was wrong, and slowly rebuilt our financial lives piece by piece. Through that journey, we discovered something powerful: knowledge is freedom, and when you understand the system, you can beat it.

That personal transformation is what inspired the creation of Vandegrift Financial Group. We didn’t build this company from a boardroom—we built it from experience, late nights, trial and error, and a genuine desire to help others escape the stress we once felt.

Today, our mission is simple:
To guide people toward financial freedom with honesty, compassion, and proven strategies that truly work.

We don’t judge where you’ve been.
We don’t shame your mistakes.
We meet you where you are—and we help you rise.

Because we’ve lived it.
We’ve fought through it.
And we’re here to show you that you can too.

How it works

Credit Review

During your Credit Review, we take a deep, detailed, and legal-first approach to understand the true state of your credit profile. This step lays the foundation for removing inaccurate or unverified debt the right way.

Customized Dispute Strategy

Once we complete your Credit Review and identify errors, violations, or unverified accounts, we build a customized dispute strategy tailored specifically to your situation. No two credit profiles are the same—and neither are our dispute plans. Every step is designed to maximize results while staying 100% compliant with federal law.

We Fight on Your Behalf

Once your customized dispute strategy is in motion, we take over the heavy lifting. You don’t have to argue with creditors, deal with collectors, or navigate confusing legal language—we handle all of it for you. Our role is to protect your rights, challenge illegal or unverified reporting, and make sure the credit system plays by the rules.

Results and Real Progress

As we begin challenging inaccurate, unverified, or illegally reported accounts, you’ll start to see real movement in your credit profile. This stage is where all the legal work, strategy, and persistence begin to pay off. We track every update, every correction, and every deletion—so you can watch your financial future transform in real time.

Frequently Asked Questions

Please reach us at justin@thevandegriftgroup.com if you cannot find an answer to your question.

Every credit profile is unique. Most clients begin seeing results within the first 30–60 days, with continued improvements over several months. The timeline depends on the number of items being challenged and how quickly creditors and bureaus respond.


Yes—if they are inaccurate, unverified, outdated, or reported illegally, we can challenge them. Many collections and charge-offs contain violations that make them eligible for removal under consumer protection laws.


Absolutely. We use federally protected laws such as the FCRA, FDCPA, and FCBA. Everything we do is 100% legal, compliant, and backed by your rights as a consumer.


If an item is deleted due to improper reporting or lack of verification, it cannot legally be reinserted unless the creditor provides full documentation. If reinsertion happens without notice—which is illegal—we challenge it immediately.


Yes. Many collection calls violate federal law.
We help you:

  • Understand your rights
     
  • Demand proper validation
     
  • Stop illegal or harassing behavior
     

You do not have to deal with abusive collectors alone.


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