Building Your Credit. Building Your Future.
Helping individuals and businesses achieve financial stability and growth with expert credit consulting and proven strategies
About THJ Consulting, LLC
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THJ Consulting is a financial services firm committed to helping clients repair, restore, and strengthen their financial wellness while building a pathway toward long-term financial success. Our team brings expertise from real estate, life insurance, title, and financial consulting, making us uniquely positioned to guide clients through their financial journey with precision and care.
Thomas Hunter-James – Founder & CEO
Thomas Hunter-James, founder of THJ Consulting, LLC, has over 25 years of experience in financial services. He specializes in helping individuals and businesses rebuild credit, strengthen financial health, and create strategies for long-term stability. Known for his client-first approach, Thomas is dedicated to empowering people with the knowledge and tools to take control of their financial future.
Alan J. Upshur – Managing Director
Alan J. Upshur brings over a decade of experience in finance and real estate. He specializes in strategic financial planning, financial wellness advisory, and operational growth, helping clients build stronger financial foundations and achieve long-term success. With a proven track record of leadership and results, Alan plays a key role in driving THJ Consulting’s mission to deliver trusted financial solutions and empower clients to reach their goals.
Why Financial Wellness Matters
It impacts nearly every area of life — from housing and transportation to financial freedom and
• 43 million Americans have a credit score of 599 or below.
• The average cost of bad credit in higher interest rates alone can exceed $200,000 over a lifetime.
• Good credit can save hundreds each month on car loans, insurance, and credit cards.