About ACT Services
Built on transparency, driven by results, and grounded in consumer law.
Founder — Tony Cofield Jr.
Tony Cofield Jr. is based in Louisville, KY with a background in financial literacy, credit repair, and entrepreneurship. After watching family and friends get exploited by predatory credit repair companies that charged monthly retainers and delivered nothing, Tony built ACT Services on a simple principle: you only pay for what actually gets done.
His mission is to bring expert, transparent credit repair to clients across Kentucky, Tennessee, Florida, Illinois, and Ohio — and to build real business credit pathways for entrepreneurs who have been told "no" too many times.
Core Values
- Transparency — you know exactly what we're doing and why
- Compliance — every action follows CROA, FCRA, and FDCPA
- Results — pricing that aligns our incentives with yours
- Education — we teach you the system so you maintain progress
- Accountability — monthly reports, clear agreements, honest timelines
Credentials & Compliance
- Registered business with active EIN
- CROA-compliant service agreements and disclosures
- Written contracts provided before any work begins
- 3-day right-to-cancel on all service agreements
- Full consumer rights disclosure provided at intake
- No advance fees charged — ever
Operating States
ACT Services currently serves clients in:
- Kentucky
- Tennessee
- Florida
- Illinois
- Ohio
In another state? Contact us — we may still be able to help.
Credit shouldn't be a secret
kept from you.
The credit system is complex by design. ACT Services exists to cut through the confusion, fight for accurate reporting on your behalf, and give you the tools to build lasting financial strength.
CROA Consumer Rights
ACT Services is a credit repair organization as defined under federal and state law, including the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). We are not a law firm. Nothing on this site constitutes legal advice. You have the right to dispute inaccurate information with the credit bureaus directly and at no charge. Results are not guaranteed and individual results will vary. No promise or guarantee of results is expressed or implied. Under CROA, you have the right to cancel any contract within 3 business days. All services are provided under CROA compliance with written contracts and full consumer disclosures.