ATTENTION: For Those Who Are Serious About Taking Their Finances To The Next Level...

Smile Again, Don't Let Credit Issues Get You Down!

Your Credit Matters

Americans are in credit card debt – some quite deep.  Statistics show that the average American carries an average of $10,000 in credit card debt.  That’s a lot of money!  We are an instantaneous society meaning we want what we want when we want it.  So when we have a credit card, it’s often easy to just whip out the piece of plastic and charge purchases.

It’s not that we don’t intend to pay the bill – at least most of the time.  Most people have good intentions when it comes to their credit card debt.  They’ll pay the bill when they get their next paycheck, they’re expecting a cash windfall and they’ll pay the balance in full then, or they figure they can always make payments.  But sometimes life happens and circumstances step in preventing people from paying down their credit card debt which is how many people get into trouble.

While it’s possible to navigate the world with a poor credit score, it’s both inconvenient and costly. Poor credit can prevent the purchase of a home, car, or the ability to get a credit card.  Even if those things could still be accomplished, it’s far more expensive when your credit is poor. Poor credit can even limit your employment opportunities.

Unless your credit score is already above 750, raising it will bring you more opportunities and make it easier for you to claim the life you desire.   Take action today and protect your credit and financial future. The ramifications for having a low credit score can be serious.

The Fair Credit Reporting Act

The Fair Credit Reporting Act dictates what type of information can be on your credit report and how long it can be on there. This law also allows you to enforce your right to have accurate credit information reported, as well as have any errors from your credit report removed. When it comes to repairing your credit, this law can become your best friend.


Click Here to learn more about credit repair!

What goes into FICO® Scores

Five Reasons to Check Your Credit Report Regularly

Credit Repair FAQs

Is Credit Repair Legal?

Credit Repair is 100% legal and it works because of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your credit reports. If an item cannot be verified it must be removed. This will immediately boost your credit score. Even accurate negative items can often be removed or negotiated away.

How Does Credit Repair Work?

79% of all credit reports contain errors. This means that most credit reports can be improved instantly. The next step is to work with creditors to negotiate removal of accurate negative items.

Credit repair is especially effective after a collections, delinquency, bankruptcy, divorce, identity theft, or foreclosure. 

We will guide you every step of the way to order credit reports, remove errors and negotiate removal of negative items. We create powerful letters that place the burden of proof on credit bureaus and creditors. 

You will monitor your progress every step of the way.  Our financial experts will also help you to keep your finances organized so you will never wind up with bad credit again.

How Much Money Can I Save With Great Credit?

If your credit score is 760 and you buy a $200,000 home with a 30 year fixed loan at 4.02% interest, your payments will be $963 a month and you’ll pay $146,734 in total interest. 

But if your credit score is 620 your  monthly payment will be $1,155 and your will pay $216,110 in total interest. With bad credit, you will will pay $69,376 more for the very same house!

A low credit score increases the size of your monthly payments. Improving your credit score can save you hundreds of thousands of dollars. 

Is There A Guarantee?

Most people see positive results within 30 days.  In the world of credit repair, the outcome of a service cannot be guaranteed, and no company can promise a result. We put in our best to ensure that incorrect, inadequate, and inaccurate information is identified and modified, or removed from the credit report.   If you are not pleased with our service, please give us an opportunity to remedy this situation.