Now accepting applications · Exclusive 1-on-1 mentorship with Rich Torres
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Exclusive 1-on-1 Mentorship with Rich Torres

Stop watching other people build it. Build yours.

Learn how to run, grow and scale your own credit repair & funding business

Work with me directly, 1-on-1. I'll teach you credit, funding and how to sell and scale, and we build your VSL and website for you. My team handles the disputes behind the scenes.

Apply for the Mentorship

Free to apply. No commitment until your strategy call.

$3M+in funding secured for HC Advising clients in 2026
$60Ksingle business card approval for an HC client
+147Experian points for an HC client in one round

HC Advising client results, not student results. Results vary and are not guaranteed.

Chase Ink approval, $60,000 $97,000 in approvals for one client Citizens $50,000 line of credit Equifax up 182 points Chase Ink approval, $46,000 Experian up 147 points Chase Ink approval, $50,000 41 disputed items deleted in one round Citizens $35,000 business card TransUnion up 115 points SoFi $250,000 business loan pre-qualification Equifax up 155 points Chase Ink approval, $50,000 Experian score of 800 TransUnion up 114 points to 750 Chase Ink Business Cash approval, $50,000 37 disputed items deleted Chase Ink approval, $30,000 Equifax up 99 points to 760 TransUnion up 100 points since March Fulton Bank approval, $22,000 line Experian 740 and TransUnion 736 47 disputed items deleted Experian up 102 points to 700

The System

How the system works

Four stages, in the order you'll actually use them.

01

Run it

Set up your business the right way: structure, pricing, onboarding and compliance basics.

02

Credit

Learn what credit is, how it's used and how to read a report. My team handles the disputes for your clients.

03

Fund

Help clients turn better credit into business credit cards, lines and loans.

04

Scale

Get clients consistently, build systems and grow from doing it all to running a team.

What's Included

Everything built around you

  • 1-on-1 sessions with Rich TorresPrivate sessions with me, built around your business, your market and your goals.
  • Your own custom VSLA video sales letter scripted and built for your business, like the one on this page.
  • Your own websiteA professional website for your credit business, built to bring in and book clients.
  • Business setup roadmapHow to structure, price and launch your credit repair business.
  • Credit trainingWhat credit is, how it's used and how to read a report.
  • Funding trainingBusiness cards, lines, loans and application strategy.
  • Sales scripts & onboardingWhat to say, how to close and how to bring clients on.
  • Done-for-you disputesMy team handles the dispute work for your clients behind the scenes.
  • Scaling roadmapSystems, delegation, affiliates and referrals.
  • Private Skool communitySeparate Credit and Funding areas, with everything in one place.
Apply for the Mentorship
Rich Torres

“I grew up in Queens with no money and spent six years as an EMT. Learning credit changed what was possible for me. Now I teach people how to turn that same knowledge into a real business.”

Rich Torres, Founder of HC Advising

Who It's For

This isn't for everyone

You're a fit if

  • You want to own a real business, not chase a side hustle.
  • You'll put in consistent work every week.
  • You care about doing things the right way for your clients.
  • You're ready to invest time and money in yourself.

This isn't for you if

  • You collect courses but never launch anything.
  • You're looking for overnight money.
  • You're not willing to show up and be the face of your business.
  • You only want to fix your own credit. (Book a free consult instead.)

Your Next Step

Apply for 1-on-1 Mentorship with Rich Torres

Because this is 1-on-1, I review every application myself. If it's a fit, you'll book a strategy call right after. Free to apply, and no commitment until we talk.

HC ADVISING
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Earnings disclaimer. HC Advising makes no guarantee of income or business success. Your results depend on your effort, experience, market and many other factors. This is an educational program, not a business opportunity with promised returns.

Results disclaimer. Credit and funding results shown are from HC Advising clients, not mentorship students. Results vary. No one can legally remove accurate, timely negative information from a credit report. Funding approvals and limits are decided by each lender.

© 2026 HC Advising.