Your Partner for Credit Success
We offer expert Credit consulting services tailored to help individuals & businesses thrive in today's inflated economy.
Negative Item Removal
You’ve got mistakes, and we’ve got the tools to make them go away. We remove -Collections -Late Payments -Repossessions -Bankruptcies -Inquiries -Medical Bills -Apartment Collections -Evictions -Negative Student Loans
Building Credit and Raising the Credit Score
The ultimate goal is to have a well balanced credit report. If you don't have enough credit or credit history, you can't expect to have a good score. That's where we come in to guide you based on your short and long term goals. As we build you a strong credit report, you'll see a significant difference in your score every month.
Credit Education - Learning how to maintain
The credit score goes down easier than it will ever go up. It's pointless to raise your credit score 100 points if it's just going to go back down after we fix it. That's why we make sure to educate every step of the way, so you can confidently handle your new score on your own when the program is complete.
💳 What You Need Credit For (and the Score You’ll Need)
740–850
(Excellent Credit)
▪️ Luxury credit cards
(Amex Platinum, Chase Sapphire Reserve)
▪️ Best mortgage interest rates (Conventional loans)
▪️ High-limit personal and business loans
▪️ Zero-down home loans
(with strong income)
▪️ Low-interest auto loans
▪️ No deposit for utilities, rentals, or phones
700–739
(Good Credit)
▪️ Conventional mortgage approval
▪️ Most auto loans with good rates
▪️ Major credit cards
(Visa, Mastercard, Amex)
▪️ Private student loans
▪️ Personal loans with fair terms
▪️ Rent in desirable areas
(no cosigner or deposit)
▪️ Premium phone plans
640–699
(Fair Credit)
▪️ FHA mortgages
(better approval above 640)
▪️ Auto loans with moderate interest
▪️ Mid-tier or retail store credit cards
▪️ Some personal loans
(higher rates)
▪️ Possible deposits on rentals or utilities
▪️ Higher insurance rates
580–639
(Poor Credit)
▪️ FHA home loans
(580+ = 3.5% down; 500–579 = 10% down)
▪️ Buy here, pay here car financing
▪️ Secured credit cards only
▪️ High-interest loans
▪️ Large deposits for renting, phones, or utilities
300–579
(Very Poor Credit)
▪️ Most traditional lenders will deny
▪️ May only qualify for:
🔸 Subprime auto loans (large down payment)
🔸Prepaid cards (no credit building)
🔸 Co-signer or large deposit for rentals
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