Every account, payment, and even every credit inquiry on your credit reports paints a picture and tells a story—one that lenders, insurance companies, employers, and even landlords may review before making decisions about you.

But is your report telling the full truth?

You see, outdated, incomplete, or unverifiable information can distort that picture and hold you back financially.

At Be Whole Financial, we don’t promise overnight fixes—we offer real credit education, credit report reviews, and guidance to help you better understand what’s being said about you on paper and what can be legally challenged.

This is your financial story—let’s make sure it’s accurate, clear, and working in your favor in a way that’s truthful and forward thinking all at the same time that gets you one step closer to Being Whole - For how you want to be, and how you’re meant to be.

Your Credit Report Tells a Story.

What Story Does Yours Tell?

Our Core Ohio Based Money, Credit, and Financial Management Solutions

Factual Credit Report Audits

We can’t create the plan forward until we look at the facts. Our credit report audit process tells us the truth of what’s on paper, and helps us create the path forward for you to either DIY, with advisory and advocacy from a member of our team OR for us to work with you on in our Credit Restoration Program - with us, it’s always your choice.

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Strategic Credit, Money & Debt Advisory

Once we’ve reviewed your credit reports, we’ll form a Strategic Plan that incorporates the full picture including how much you’re bringing in monthly, how much you’re spending, and our Advisory is then based on the facts found within the strategic plan created that you can then choose to DIY with Advisory on your terms using our DIY toolkit or that you can enter our Strategic Credit Restoration Program with.

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Strategic Credit Restoration

Based on the findings of our Credit Report Audit process if you elect to, you’ll be entered into our Month to Month Credit Restoration Service. Wondering how long it’ll take, our average customer time in service is about 7 months from the date of entering into the program, and is only for those that are ready to pay down accounts, & follow our plans.

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Image of Kelly Armstrong, Founder of Be Whole Financial with glasses and dark lipstick standing outdoors near a body of water, wearing a patterned beige and white jacket with black sleeves, black pants, and jewelry.

Meet Kelly Armstrong

Founder & Credit Advocate At Be Whole Financial

At Be Whole Financial, our vision is to empower individuals and families to achieve lasting financial stability and independence. We are committed to providing holistic, tailored solutions that address each client’s unique needs, helping them regain control of their financial future with confidence and clarity.

By combining personalized action plans, expert guidance, and unwavering support, we strive to make financial well-being accessible to everyone, one step at a time.”

Group of four young professionals working together at a wooden table in a bright office space with large windows.

Why Choose Our Ohio Based Credit and Money Management Service?

With a commitment to delivering personalized, ethical, and results-driven financial solutions, the focus remains on providing comprehensive services tailored to individual needs. Backed by a proven track record, a team of experienced professionals, and a client-first approach, the process ensures transparency, integrity, and unparalleled support in improving credit, eliminating debt, and planning for a stronger financial future.

The Latest In Your Money, Your Credit With The Be Whole Financial Team

Blog
5 Ways Employers Use Your Credit in Hiring and What You Can Do About It
5 Ways Employers Use Your Credit in Hiring and What You Can Do About It

If you thought your credit only mattered when applying for a loan or a credit card, think again. Employers—especially in finance, government, and management—are increasingly using credit reports to make hiring decisions. While they can’t see your score, what they can see might still influence whether you get hired, promoted, or even considered for a leadership role.

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Credit Repair vs. Credit Education: Why Knowing the Difference Matters for Ohio Consumers
Credit Repair vs. Credit Education: Why Knowing the Difference Matters for Ohio Consumers

If you’re struggling with your credit or trying to improve your financial health, chances are you’ve Googled terms like “credit repair near me” or “how to fix my credit score.” And while there are plenty of companies eager to promise a quick fix, it’s crucial to understand what you’re really signing up for.

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What Is Considered Bad Credit in 2025?
What Is Considered Bad Credit in 2025?

If you’re trying to make financial moves in 2025—whether it's buying a car, getting approved for a mortgage, or applying for a personal loan—your credit score matters. But in an economy where inflation is up, interest rates are high, and lenders are tightening their standards, many people are asking:

“What is actually considered a bad credit score in 2025?”

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What Real Clients Have To Say

Be Whole Financial Reviews

  • Review From Darnetta

    I met Kelly Armstrong through my church. We arranged a meeting within a week and within a month she resolved an issue for me. She is efficient and professional. I would definitely work with her again. Thanks Kelly

  • Review From Constance

    Every time I finish meeting with Ms Kelly Armstrong it makes me feel so good about life and why I’m doing the things that I’m doing. I want to say Thank you publicly and you’re an awesome woman and I’m grateful I had the privledge to meet and also work with you.

  • Review From Stephanie

    Kelly has been amazing to work with and truly makes the process stress free. She is quick to respond, easy to work with, and very helpful. Kelly consulted with me to help me find a payment plan that works best for me. She always has answers to my questions and makes things flow smoothly.