Dallas, Texas
Building.
Repairing.
Credit.
ATM Consulting Services helps individuals, families and business owners understand their credit, work a real plan to improve it, and build toward lasting financial strength. Not promises — education, strategy, and accountability.
Everything begins with understanding where you actually stand.
Financial Building | Rebuilding Credit | Money | Wealth
- Free
- First consultation
- Dallas, TX
- Home base
- 1:1
- Every plan written for you
Who we are
A credit education and consulting firm built around what you learn.
ATM Consulting Services is a credit education and consulting business created to help individuals understand their credit, address inaccurate or questionable information appearing on their reports, establish healthier financial habits, and work toward stronger financial futures.
We combine individualized credit analysis with consumer education and financial coaching. Rather than focusing solely on removing negative information, we teach you how credit works — how payment history and utilization affect creditworthiness, and how responsible financial decisions contribute to long-term stability.
Our guiding philosophy is simple: Building • Repairing • Credit.
The ATM Transformation Model
Three letters, and the whole method.
Assess
Understanding comes first. Before any plan is made, we start by understanding where you actually stand — what is really on your reports, what it is costing you, and what your real goal is. Nothing is recommended until that is clear.
Transform
Then we develop and execute an individualized rebuilding strategy: what to work first, what to leave alone, and what to change about the habits underneath it.
Multiply
Finally, we turn improved financial habits into a foundation — savings, assets, business development, and wealth that outlasts the repair.
What we do
Services built to move your credit forward.
From a full review of your reports to one-on-one coaching while you work the plan, every service exists to leave you more capable than you were.
Founder
Dr. Nakaie Dorsey
Founder, ATM Consulting Services
Dr. Nakaie Dorsey is a financial educator and coach based in Dallas, Texas. She founded ATM Consulting Services to give people what she found was most often missing: not a quick fix, but a clear understanding of their own credit and a structured path forward.
Her work centers on education, accountability and realistic expectations. Clients leave her office knowing what is affecting their credit, what behaviors may be holding them back, and what to do next.
Our mission
To educate, empower, and equip consumers with practical tools for improving their financial health.
We are committed to helping clients understand their credit profiles, exercise their consumer rights, develop responsible financial habits, and create a stronger foundation for future wealth building.
Our vision
To build a respected financial empowerment company that helps individuals and families move from financial uncertainty toward stability, opportunity, and generational wealth.
We envision ATM Consulting Services becoming known not simply for credit repair, but for helping clients achieve lasting financial transformation.
Who we help
If your credit is not where you want it, you are in the right place.
Our clients come from every stage of the journey — some are starting from nothing, some are recovering, and some are simply trying to understand a document nobody ever explained to them.
- 01Adults who have had credit challenges
- 02People preparing to buy a home or a vehicle
- 03Anyone recovering from a financial hardship
- 04Entrepreneurs who need a stronger personal profile
- 05Young adults establishing credit for the first time
- 06Families who want real financial education
- 07Anyone who simply does not understand their report
Why choose ATM
You will not just receive a service. You will understand it.
Clients are not left without knowing what happened. The goal is for you to learn what affects your credit, what behaviors may be hurting your progress, and what actions create healthier financial patterns.
Personalized, not packaged
Every plan is written for one file — yours. You will not be handed a template and left to guess which part applies to you.
Education first
You should finish this understanding your own credit. That is the difference between a repair and a change.
Real accountability
We set goals you can measure, review progress together, and adjust when life changes. Honest, not comfortable.
Professional standards
Clear communication, careful handling of sensitive information, and a straightforward explanation of what we will do and what it costs.
Empowerment, not dependence
The aim is a client who no longer needs us — someone with habits and knowledge that hold up on their own.
What clients say
Notes like this one are why the work matters.
Clients do not usually leave a review. They send a picture, a message, or a card — and they say the same thing in their own way: nobody ever explained this to me before.
“Thank you, Dr. Nakaie and ATM Consulting Services, for repairing my credit.”
We do not promise a score, and we do not dispute information you know to be accurate. What we can promise is honest work, a written plan, and education you keep.
Questions
Straight answers.
Including the one that matters most: we do not promise specific score increases, and we do not guarantee removal of accurate information. What we promise is honest work and education you keep.
All questions
Giving back
Out of the Mouth of Babes.
A brighter childhood awaits. Every December 24, we host a toy giveaway for the children in our community — the kind of day where small gifts make big smiles and families who need a hand get one without having to ask twice.
- The event
- Toy Giveaway
- December 24, 2026
- Hosted by
- Dr. Nakaie Dorsey
- Kindness today, brighter tomorrows
Want to take part, donate a gift, or bring a child? Call or text and we will tell you everything you need to know.
Start with a conversation. The first one is free.
Tell us where your credit is now and where you want it to be. We will tell you honestly what we would do, in what order, and what it would take.
Or call (214) 646-4993