Who we are
Unlock Your Financial Potential with L.B. Consulting
At L.B. Consulting, our mission is simple: to help you take control of your credit and create real financial freedom.
Founded by Lance Baumgras, we specialize in helping individuals understand, build, and protect their credit — whether you're preparing for a mortgage, trying to secure a loan, starting a business, or just ready to get your finances in order.
We believe credit education should be simple, hands-on, and accessible to everyone — and that’s exactly what we deliver.
What We Offer:
✅ Proven Credit Growth Strategies
Using a mix of tradelines, installment loans, and step-by-step planning, we help raise your credit score and improve your financial profile.💬 1-on-1 Coaching & Monthly Support
You’ll receive personalized attention to review your credit reports and develop a clear plan of action — with ongoing support by phone, text, virtual meetings, and in-person sessions when needed.📱 Credit App Setup & Training
We walk you through downloading and using free credit monitoring apps, and teach you how to read and manage them confidently using our class handbook.📚 Beginner-Friendly Credit Classes
We provide simple, clear credit education to help you understand how credit works, what impacts your score, and how to make smarter financial choices.🛠 Dispute Support with The Credit Pros
We connect you with The Credit Pros, who send unlimited disputes to the credit bureaus on your behalf — helping remove negative or inaccurate items that are hurting your score.
With L.B. Consulting, you're not just hiring someone to improve your credit — you're gaining a trusted partner and educator. We give you the tools, the knowledge, and the ongoing support to build credit that lasts.
Whether you're starting fresh or rebuilding from the ground up, we’re here to help you every step of the way.
"Opportunities don't happen. You create them." – Chris Grosser

Credit Consulting
Helping You Build a Stronger Financial Future
Disclaimer:
Lance Baumgras LLC provides credit consulting services and guidance to individuals seeking to improve their credit scores. All services are in full compliance with relevant credit laws and regulations. Results may vary based on individual circumstances.