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A 501(c)(3) Non-Profit Organization

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Your Credit.

Ensure your readiness to handle all credit circumstances with confidence.

Our Mission:

To help consumers achieve greater economic success through credit and financial education along with sustainable solutions to reflect changing lifestyles.

Are you faced with one of these situations and is credit holding you back?

Mortgage Approval

One of the most significant investments people make is purchasing a home. Lenders scrutinize credit scores and history before offering a mortgage. A poor credit score can lead to higher interest rates or outright denial.

Renting an Apartment

 Landlords and property management companies often check credit scores of potential tenants. A poor score can result in declined applications, higher security deposits, or the need for a co-signer.

Securing a Car Loan

For many, owning a car is essential for work or daily life. Auto lenders look at credit scores to determine interest rates and whether they'll approve the loan at all. 

Employment Opportunities

EG:  Military advancement. Some employers, especially in financial sectors or those requiring security clearances, may conduct credit checks as part of their hiring process. A poor credit score might be seen as a sign of financial irresponsibility and could impact hiring decisions. 

Starting a Business

Entrepreneurs seeking business loans or lines of credit will find that their personal credit scores often play a role in a lender's decision, especially for new businesses without a proven track record. 

Access to Credit Cards

Credit cards are not just for spending; they're tools for building credit, earning rewards, and managing cash flow. With poor credit, one might be limited to secured cards with lower limits and fewer benefits. In all these situations, having at least passable credit can make the difference between reaching one's goals and facing significant obstacles.

Single parent trying to rebuild

Credit can significantly impact a single parent's financial situation with high-interest rates, difficulty getting approved for loans, difficulty renting, higher insurance premiums, difficulty getting a job, limited emergency funds debt cycle.  Dealing with poor credit and the associated financial difficulties can lead to significant stress and anxiety, impacting a single parent's well-being and ability to care for their children. 

Major life changing events such as marriage, divorce, etc.

Events like marriage or divorce can significantly impact credit and financial well-being.  In marriage, joint accounts or shared debts can negatively affect both individuals' credit scores if one partner mismanages finances. In a divorce, the division of assets and debts can be impactful. Life-changing events can be emotionally stressful, impacting your ability to make sound financial decisions, leading to impulsive spending, missed payments, or neglecting financial responsibilities. 

Are You Also Faced with Collections, Charge-off, Student Loans, Reposession, Foreclosure, Short Sale, Etc?

We can help!

Here's the Good News...

You don't need to try and do it alone.

Achieving greater economic success is hard, especially when you have poor credit.  

Being faced with a low score and personally going through challenges in your life makes it seem impossible.  But you are determined to find sustainable solutions and make a change in your life.

Why Choose Us?

We are a unique 501(c)3 nonprofit agency that's committed to meeting and exceeding your expectations. Anchored in a foundation of trust and reliability, we pledge to adhere to the highest levels of compliance across all our operations.

Founded by Industry Veterans

Along with our founding consumer advocacy credit connoisseurs, we embody a shared vision that combines in-depth industry knowledge and a firm belief in the rights of the consumer.

Revolutionized Credit Improvement

We offer a credit improvement process that leverages cutting-edge technology and compliant verification processes. We ensure our methods don't conflict with mortgage underwriting guidelines, creating a seamless experience for our clients.

Monthly Personalized Credit Coaching

Here, you'll have direct access to a dedicated counselor who will create a strategic action plan tailored to your unique credit fingerprint. This ensures a personalized approach to your credit improvement journey.

Collection Settlement Services

Our focus is two-fold: to enhance your FICO score for all of life's financial necessities and to align with mortgage approval criteria, ensuring a holistic improvement in your financial position.

Join us in your journey towards financial stability.

We are here to guide you every step of the way.

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“A review from a client who benefited from your product. Reviews can be a highly effective way of establishing credibility and increasing your company's reputation.”
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“A review from a client who benefited from your product. Reviews can be a highly effective way of establishing credibility and increasing your company's reputation.”
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