WAY BETTER LIVING, INC.
Erase the Negatives, Rebuild
your profile, and Boost your
Score by 100+ Points
IN 15-30 DAYS !
WAY BETTER LIVING, INC.
Erase the Negatives, Rebuild
your profile, and Boost your
Score by 100+ Points
IN 15-30 DAYS !
WHAT DO WE REMOVE
WHAT DO WE REMOVE
WHAT WE DELIVER
IMPROVE YOUR CREDIT
We'll address negative items on your credit report
by working directly with credit bureaus and
creditors to help raise your credit score and
setting you up for success.
TRACK YOUR RESULTS
Stay informed every step of the way with
24/7 account access, allowing you to
track your progress and receive real-time
updates on improvements to your credit
reports and scores.
SECURE YOUR FUTURE
With a stronger credit profile and the tools to
maintain it, you'll be ready to achieve your
financial goals and enjoy lasting success.
Your breakthrough STARTS HERE Let’s build your
WAY BETTER LIFE
RECOMMENDATION
"My life changed forever” “Before working with Bay, I felt stuck and overwhelmed by my credit situation. In just a few short weeks, my score jumped over 200 points, and now I finally feel in control of my finances.”
"Real Result. Real Fast." Working with Bay was the best decision I ever made. In just a few weeks, my credit score shot up over 150 points, and I finally qualified for the funding I needed. This isn’t just credit repair—it’s a full financial transformation
"Highly recommend this" Partnering with Bay completely changed the game for me. Within a matter of weeks, my score jumped by more than 150 points, and I was finally able to access the funding that had always felt out of reach. This wasn't just about fixing credit—it was a total shift in my financial future
RESULTS
WHAT WE DELIVER
IMPROVE YOUR CREDIT
We'll address negative items on your credit report by working directly with credit bureaus and
creditors to help raise your credit score and setting you up for success.
TRACK YOUR RESULTS
Stay informed every step of the way with 24/7 account access, allowing you to track your
progress and receive real-time updates on improvements to your credit reports and scores.
SECURE YOUR FUTURE
With a stronger credit profile and the tools to maintain it, you'll be ready to achieve your
financial goals and enjoy lasting success.
Your breakthrough STARTS HERE Let’s build your WAY BETTER LIFE
RECOMMENDATION
"My life changed forever” “Before working with Bay, I felt stuck and overwhelmed by my credit situation. In just a few short weeks, my score jumped over 200 points, and now I finally feel in control of my finances.”
"Real Result. Real Fast." Working with Bay was the best decision I ever made. In just a few weeks, my credit score shot up over 150 points, and I finally qualified for the funding I needed. This isn’t just credit repair—it’s a full financial transformation
"Highly recommend this" Partnering with Bay completely changed the game for me. Within a matter of weeks, my score jumped by more than 150 points, and I was finally able to access the funding that had always felt out of reach. This wasn't just about fixing credit—it was a total shift in my financial future.
RESULTS
STILL NOT SURE?
Frequently Asked Questions
Frequently Asked Questions
Question 1: How long does credit repair take?
Most clients start seeing real results within 30–90 days after we begin the process. Every case is different, but we move aggressively for you.
Question 2: Can you remove collections, late payments, or charge-offs?
Yes, We focus on challenging and removing collections, late payments, charge-offs, repossessions, and other negative items from all three major credit bureaus.
Question 3: Is there a guarantee?
We guarantee that we will aggressively dispute and fight for your credit improvements. While results aren’t guaranteed, we use trusted methods and legal protections to give you the best chance at success.
Question 4: What if I already tried fixing my credit before?
No worries! Many of our clients have tried and failed elsewhere until they worked with us. We use advanced factual dispute methods and escalate when needed.
This is Your First Step to
FINANCIAL FREEDOM
This is Your First Step to
FINANCIAL FREEDOM
THE FIT AND FUNDED ACADEMY
GET FREE ACCESS
THE FIT AND FUNDED ACADEMY
THE FIT AND FUNDED ACADEMY
GET FREE ACCESS
Fix your credit. Build it the right way.
Get positioned for funding.
GET FREE ACCESS
Fix your credit. Build it the right way.
Get positioned for funding.
Get instant access below👇
Get instant access below👇
THE ONLY CREDIT SPECIALIST YOU NEED: HOW BAY MAKHANIAN HELPS PEOPLE OVERCOME DEBT, SECURE MASSIVE APPROVALS, AND BUILD A BETTER LIFE
Will Jones
There are moments when people check their credit, open a denial letter, or log into their bank
apps and feel their heart sink.
Denied again.
Another setback.
Another reminder of what feels out of reach.
Most people carry that pressure silently. They don’t know where to turn, what to do next, or whether change is even possible.
Thousands eventually find the same answer:
Bay Makhanian (@Bayscreditworks), the entrepreneur and credit specialist who turns financial burdens into financial breakthroughs.
Bay understands the embarrassment, the frustration, and the fear that come with damaged credit. She understands the pressure parents feel when they want a better life for their children but feel blocked at every turn.
She has lived that story.
And because of it, she became the expert who can pull others out of it, quickly, legally, and with compassion.
Today, Bay is trusted by over 5,000+ clients nationwide, known for helping individuals secure $30K–$250K+ in approvals, rebuild scores into the 700s & 800s, and completely transform their financial futures.
This isn’t just business for her, this is purpose.
THE CREDIT QUEEN WHO TURNED HER OWN STORY INTO A BLUEPRINT
Bay’s journey didn’t start with privilege or handouts.
She built her success from experience, resilience, and relentless faith, something that runs deep in her Armenian heritage. Strength, survival, and perseverance are woven into her bloodline, and she brings that same determination to every client she helps.
When Bay rebuilt her own credit and shot her score into the 800s in 90 days, she shocked everyone. She then secured over $200,000 in personal and business funding, step by step, using strategies that the average person never gets access to.
She didn’t guess.
She learned the system better than the people who created it.
She used that same blueprint to help thousands, deleting collections, charge-offs, repossessions, student loans, and correcting errors that were holding people back for years.
Add a bullet list to your content:
Approvals of $15K–$50K credit cards
Auto loans with low interest
Home-buying opportunities
Business lines of credit
Full funding packages up to $250K+
One client shared:“Bay didn’t just fix my credit, she changed my life. I went from being scared to even check my report to being approved for $47,500 in one week.”
Bay delivers results that speak for themselves.
WAY BETTER LIVING & THE FIT & FUNDED ACADEMY: WHERE CREDIT MEETS TRANSFORMATION
As the founder of Way Better Living, Inc. and The Fit & Funded Academy, Bay created more than a program — she created a movement.
A safe, educational, empowering space where people learn:
how credit works
how to remove negative reporting
how to rebuild scores
how to leverage credit to build wealth
how to secure high-limit approvals and business funding
Her community has become a home for those who felt lost in the system and needed someone who genuinely cares.
Her digital products, webinars, mentorship, and hands-on credit repair service have helped families, entrepreneurs, single parents, students, and everyday people rebuild from scratch.
And the results are proven.
Just recently, a client’s student loans were deleted and her score shot straight into the 700s, landing:
TransUnion: 768
Experian: 780
Equifax: 786
These stories happen every week.
A LEADER GROUNDED IN FAITH, PURPOSE & REAL RESULTS
Bay’s life reflects what happens when knowledge meets purpose.
Not only does she teach financial empowerment, she lives it.
Her own credit strength allowed her to purchase her brand-new 2026 Tesla Model Y Premium, a real-life example of how excellent credit can completely change the lifestyle you’re able to afford.
But behind the success is a woman who prays, a woman who survived challenges, a woman who never forgot where she came from and uses her pain as fuel to elevate others.
She doesn’t just repair credit.
She restores confidence.
She rebuilds identities.
She helps people step into the life that was always meant for them.
Her clients call her “The Credit Queen” for a reason, she consistently takes them from fear to freedom, from confusion to clarity, and from stuck to unstoppable.
START YOUR TRANSFORMATION TODAY
If you’re ready to repair your credit, unlock high-limit approvals, build business funding, or finally step into real financial freedom, Bay Makhanian is the guide you’ve been praying for.
Her results are undeniable.
Her knowledge is unmatched.
Her mission is changing lives.Connect with Bay on Instagram @Bayscreditworks and begin the journey that thousands before you have already taken, the journey toward better credit, better opportunities, and a Way Better Life.
Written in partnership with Tom White
THE ONLY CREDIT SPECIALIST YOU NEED: HOW BAY MAKHANIAN HELPS PEOPLE OVERCOME DEBT, SECURE MASSIVE APPROVALS, AND BUILD A BETTER LIFE
Will Jones
There are moments when people check their credit, open a denial letter, or log into their bank
apps and feel their heart sink.
Denied again.
Another setback.
Another reminder of what feels out of reach.
Most people carry that pressure silently. They don’t know where to turn, what to do next, or whether change is even possible.
Thousands eventually find the same answer:
Bay Makhanian (@Bayscreditworks), the entrepreneur and credit specialist who turns financial burdens into financial breakthroughs.
Bay understands the embarrassment, the frustration, and the fear that come with damaged credit. She understands the pressure parents feel when they want a better life for their children but feel blocked at every turn.
She has lived that story.
And because of it, she became the expert who can pull others out of it, quickly, legally, and with compassion.
Today, Bay is trusted by over 5,000+ clients nationwide, known for helping individuals secure $30K–$250K+ in approvals, rebuild scores into the 700s & 800s, and completely transform their financial futures.
This isn’t just business for her, this is purpose.
THE CREDIT QUEEN WHO TURNED HER OWN STORY INTO A BLUEPRINT
Bay’s journey didn’t start with privilege or handouts.
She built her success from experience, resilience, and relentless faith, something that runs deep in her Armenian heritage. Strength, survival, and perseverance are woven into her bloodline, and she brings that same determination to every client she helps.
When Bay rebuilt her own credit and shot her score into the 800s in 90 days, she shocked everyone. She then secured over $200,000 in personal and business funding, step by step, using strategies that the average person never gets access to.
She didn’t guess.
She learned the system better than the people who created it.
She used that same blueprint to help thousands, deleting collections, charge-offs, repossessions, student loans, and correcting errors that were holding people back for years.
Add a bullet list to your content:
Approvals of $15K–$50K credit cards
Auto loans with low interest
Home-buying opportunities
Business lines of credit
Full funding packages up to $250K+
One client shared:“Bay didn’t just fix my credit, she changed my life. I went from being scared to even check my report to being approved for $47,500 in one week.”
Bay delivers results that speak for themselves.
WAY BETTER LIVING & THE FIT & FUNDED ACADEMY: WHERE CREDIT MEETS TRANSFORMATION
As the founder of Way Better Living, Inc. and The Fit & Funded Academy, Bay created more than a program — she created a movement.
A safe, educational, empowering space where people learn:
how credit works
how to remove negative reporting
how to rebuild scores
how to leverage credit to build wealth
how to secure high-limit approvals and business funding
Her community has become a home for those who felt lost in the system and needed someone who genuinely cares.
Her digital products, webinars, mentorship, and hands-on credit repair service have helped families, entrepreneurs, single parents, students, and everyday people rebuild from scratch.
And the results are proven.
Just recently, a client’s student loans were deleted and her score shot straight into the 700s, landing:
TransUnion: 768
Experian: 780
Equifax: 786
These stories happen every week.
A LEADER GROUNDED IN FAITH, PURPOSE & REAL RESULTS
Bay’s life reflects what happens when knowledge meets purpose.
Not only does she teach financial empowerment, she lives it.
Her own credit strength allowed her to purchase her brand-new 2026 Tesla Model Y Premium, a real-life example of how excellent credit can completely change the lifestyle you’re able to afford.
But behind the success is a woman who prays, a woman who survived challenges, a woman who never forgot where she came from and uses her pain as fuel to elevate others.
She doesn’t just repair credit.
She restores confidence.
She rebuilds identities.
She helps people step into the life that was always meant for them.
Her clients call her “The Credit Queen” for a reason, she consistently takes them from fear to freedom, from confusion to clarity, and from stuck to unstoppable.
START YOUR TRANSFORMATION TODAY
If you’re ready to repair your credit, unlock high-limit approvals, build business funding, or finally step into real financial freedom, Bay Makhanian is the guide you’ve been praying for.
Her results are undeniable.
Her knowledge is unmatched.
Her mission is changing lives.Connect with Bay on Instagram @Bayscreditworks and begin the journey that thousands before you have already taken, the journey toward better credit, better opportunities, and a Way Better Life.
Written in partnership with Tom White