At The Tolbau Group , we treat your time like money and your goals like deadlines.
Our consultations are laser-focused and tailored to your real life—credit clean-ups, cash-flow clarity, wealth moves, and a plan you can actually execute between the 9–5, the side hustle, and real-world responsibilities.
Because the cost of staying stuck is way higher than any fee, we keep the room powerful for everyone. That is why we have a firm, respect-the-calendar policy—show up ready, confirm on time, and we will overdeliver, every single time.
Services We Offer
Strategy, structure, and documentation support—built so you can move between life, work, and the next level of your finances with clarity.
Consumer Counseling Services
High rates, deposits, and denials don’t have to be permanent. Our consumer report consulting services deliver in-depth audits, compliance assessments, and Tolbau’s unique in-house methods, which we pride ourselves on—built to outperform one-size-fits-all approaches. You leave with a step-by-step plan you can run between work, family, and the side hustle.
Suppose a bureau or furnisher ignores your requests or fails to validate correctly. In that case, we organize the paper trail and guide your preparation for arbitration or litigation, then connect you to our partner attorney network when legal guidance or representation is necessary.
Already in the 700s? The Trailblazer track focuses on leverage: profile structuring, lender alignment, and limit-growth strategies that help you secure better rates, higher limits, and consistent yeses.
NOTE: We provide education and documentation support; legal advice is provided by licensed attorneys.
Business Formation Services
From first idea to first invoice—done right. We help you:
- Choose the structure that fits your goals and taxes
- File state formation docs, secure your EIN, and register for taxes
- Prepare operating agreements/bylaws and bank-ready paperwork
- Set up compliance for licenses, annual reports, and key deadlines
Set a solid foundation now, so growth feels simple later.
Document Preparation Assistance (Arbitration and Litigation) and Education
Clarity turns receipts into results. We educate first, then help build the documentation to match your story—so decision-makers can follow the facts fast.
Includes:
- Orientation to your forum’s rules and what they mean in real life
- Evidence intake, gap-spotting, and a chronological case summary
- Assistance curating template-based drafting and formatting of correspondence and submissions (you/your attorney approve and file)
- Exhibit curation with labels, tabs, and cross-references
- Deadline dashboard, service logs, and hearing prep worksheets
OTHER SERVICES
I’m Lo Tolliver , a finance graduate turning consumer rules into leverage for real people.
With corporate experience across finance, accounting, and technology, I didn’t start with a perfect profile—I rebuilt it. I went from scores in the 500s to strengthening my entire consumer profile and learning the rules inside and out. That path became a mission: teach people exactly how to leverage what they have and protect what they’re building.
As a Consumer Law Advocate, I champion serving and enlightening the people. At The Tolbau Group, we prioritize education over wealth building. We turn your goals into a simple plan, your documents into a story, and your profile into leverage—so approvals, limits, and rates start lining up with the life you’re actually building.
Changing the financial trajectories of our clients' futures is what we thrive on. As CEO, I bring unshakeable drive to every engagement. We don’t wait for perfect conditions—we create them. Challenges become opportunities. Opportunities become outcomes.
Education-first and advocacy-driven; The Tolbau Group is not a law firm and does not provide legal advice.
Opulent Financial Services
At The Tolbau Group, we deliver boutique, concierge-level financial services tailored to clients who want precision and results. To ensure the right fit, we begin with a quick fit-check before enrollment.
Step-by-step fit & enrollment
Hit Start Now and answer a brief intake: your goals, current snapshot, and the services you’re exploring. Submit, and our team will review and email next steps.
If aligned, you’ll receive a link to schedule a 15-minute Zoom with a strategist. Choose a convenient slot, set aside a quiet window, and watch your inbox for the calendar invite.
Missed or late arrivals can delay—or revoke—eligibility.
Approved clients receive:
• A tailored strategy
• Service agreement + onboarding kit
• Secure enrollment and payment instructions
Complete enrollment to access our luxury-level solutions, ongoing support, and guidance designed around you.
tax preparation [*will be adding taxes*] • Can add something generic- coming soon.. more details to come , etc
A longer track record generally works in your favor. As your file matures, older inquiries and negatives lose weight or fall off (many derogatory items drop after about seven years depending on your state).
Stay active—most scoring models need recent activity on at least one account within the last six months.
Takeaway: Time + responsible use = steady lift.
Payment history moves the most points. Consistent on-time payments build strength over time; recent late marks carry the biggest sting, and their impact usually fades as they age.
Key point: Reliability turns into score power.
Each application can trigger a hard inquiry, and opening several accounts in a short window can look risky. Most models weigh inquiries from the last 12 months and consider how many new lines you’ve added.
Hard stop: while any dispute(s) are active with The Tolbau Group, do not apply for or open any new credit unless pre-approved by The Tolbau Group (pre-cleared by our team). No exceptions. Extra inquiries or new accounts can disrupt utilization, timelines, and results.
Heads-up: Strategic approvals beat impulse applications.
Even a single miss can dent your score—especially if your report was clean. The newer the miss, the bigger the effect.
Non-negotiable: never let a payment go beyond 25 days late. By day 25 at the latest, either pay or contact your creditor/lender (loan servicer) to arrange a solution and document the account.
What this means: Act fast, keep it isolated, and communicate early.
A serious delinquency packs a heavier punch. Recency, frequency, and severity all matter—and recent 90-day lates hurt the most.
Reality check: Move quickly to cure and prevent repeat cycles.
Multiple late or missed payments compound damage. If they’re frequent and recent—especially after a clean streak—the hit grows.
Net effect: Stop the slide early and reestablish on-time rhythm.
Collections can be a major setback. Impact varies with balance size, recency, and your broader profile. Some scoring versions ignore very small collection amounts (e.g., under $100).
Signal: Resolve promptly and keep records tight.
Bankruptcy is a severe negative, most impactful when recent and on otherwise clean files. Recovery is possible, but it takes disciplined, consistent rebuilding.
Plain truth: It’s a reset that requires time and structure.
- Payment history ~ 35%
- Amounts owed/utilization ~ 30%
- Length of credit history ~ 15%
- New credit ~ 10%
- (Credit mix generally makes up the remainder)
Membership Options — The Tolbau Group
Three tracks, one standard: concierge-level support, 24/7 client portal access, and strategy built around your real life.
Trailblazer Program
- 24/7 Client portal access
- Client Support from our dedicated team
Warrior Program
- 24/7 Client portal access
- Client Support from our dedicated team
Champion Program
- 24/7 Client portal access
- Client Support from our dedicated team
Typical timeline: ~ 2–3 months, depending on file complexity and outstanding balances.
What’s included in membership
- Education-first support: essential information, checklists, and step-by-step guidance
- Accuracy actions: inquiry checks and debt validation assistance
- Report access: tri-bureau pulls included while enrolled
- Accountability: cadence calls and measurable milestones
FAQs
Yes. Each person creates their own account. If additional family members enroll within 3 days of your order, you’ll receive $20 off their selected program.
Your assigned specialist reviews your reports from the three national bureaus, flags possible inaccuracies, and supports formal challenges where appropriate. You’ll also get plain-language coaching on habits and structure so your profile strengthens over time.
We offer basic monitoring—we help pull your reports, keep tabs on score changes, and schedule regular reviews so you always know where you stand.
Many clients notice early shifts in about 45–60 days. A more complete arc of progress often runs 6–12 months, depending on the number and type of items on the file and how consistently the plan is followed.
Results vary widely. Some clients achieve modest gains, while others experience significant increases that qualify them for primary goals (e.g., mortgage approval). No company can legally guarantee a specific score change or outcome. Your results depend on your unique profile and participation.
The Tolbau Group — Official Contact Information
One centralized hub for getting in touch—call, text, or email, all routed to the same opulent support experience.
1621 CENTRAL AVE # 54437
CHEYENNE, WY 82001
