Credit Fog Free Consultation
Your New Financial Life is Waiting for You!!
Together We will Embark on a Journey
From Where You Are Now, to Where You Want to Be
From Where You Are Now, to Where You Want to Be
In Today’s Complex Financial World, We Face Financial Challenges That Can Take A Heavy Toll On Many Areas Of Our Lives
Our feelings about our financial situations can range from light concerns popping up at different times throughout the day, to paralyzing worry and stress that can spill over into our relationships, emotional states, and general enjoyment of life. From the time we were born, our financial pictures have been shaped by our loved ones, advertisers, and peer influencers.
Very few of us ever received any financial education to address common financial life events like :
- Overcoming Financial Hardships & Challenges
- Life Changes Like Graduation Or Childbirth
- Preparing for Transitions in Our Personal Finances
- Gaining Control Over Our Financial Situations
I Understand and My Passion is Helping Others Improve Their Financial Outlook.
Once upon a time, my financial life crashed and burned in spectacular fashion. It seemed like every move I made took me farther away from my financial goals; I was missing out on more and more of life. I found myself in a desperate financial situation – lost and confused, with nobody to turn to.
With years of hard work and many missteps along the way, I turned my finances around. All through that time, I wished there was someone to whom I could turn for help – but I never found that support.
Now I’ve made it my mission to give that support to others who need help with their finances. I want to be that person who helps them work toward their financial and lifestyle goals. I’m a living example that there is hope – and it’s my calling to help you work toward greater financial wellness, so you can live the life you desire and gain the sense of security you deserve.
Financial Coaching & Education Services
We can all live more fulfilling lives and get on track toward our long-term financial goals. But getting there takes more than just financial knowledge: it requires changing behaviors, developing systems and prioritizing financial action steps. That’s where I come in.
As a Certified Credit Repair Consultant with a coach designation, my objectives and responsibilities are to help you reach your goals. I do not offer or sell any financial products as part of my role; I am 100% loyal to you and your best interests. I will only advise you of specific plans that could help you on your journey.
Schedule Your Complimentary Personal Call & Consultation Today
Schedule Your Complimentary Personal Call & Consultation Today
- 30-Minute Financial Consultation Call
- 100% Dedicated To Helping & Supporting You
- We will never pressure you into anything over the phone
- Receive Information on How You Can Work With Our Board Certified Credit Repair Specialist
Together we will work on improving your financial situation by addressing your financial behaviors, empowering you with knowledge, offering guidance when you need it, and supporting you through each stage in the process.
Money has a powerful impact on most areas of our lives – from our relationships and the ability to afford life experiences, to our security and, yes, even our happiness. Our money situation is the key to achieving financial security and living our desired lives.
Yet most of us don’t have easy access to personal support and guidance when it comes to making important financial decisions. We’re unsure how best to work toward greater financial wellness.
As a Board Certified Credit Consultant, helping you strengthen your financial position is our primary goal. Together we will work on improving your financial situation by addressing your financial behaviors, empowering you with knowledge, offering guidance when you need it, and supporting you through each stage in the process.
My Responsibilities to You
We are passionate about helping others work toward greater financial wellness. The Certified Credit Repair Specialist through the CCA Board ensures members meet the highest educational and practice standards in the industry.
Our loyalty and fiduciary responsibility is to you. We have your best interests at heart and comply with the Financial Credit Standards & Code of Conduct that outlines the Ethical, Professional, and Practice Standards for financial credit repair specialist professionals. We also fully comply with the FTC’s Safeguard and Disposal Rules to protect your information and confidentiality.
Make this the year that you take a stand to FINALLY GET THAT CAR YOU DESERVE!
GET THAT HOME YOU HAVE BEEN DREAMING OF OR THAT LOAN THAT WILL PUT YOU IN THE RIGHT POSITION FINANCIALLY!
✔Set your goals and let us help you reach them today!
P.S. WE ARE HAPPY TO ANNOUNCE WE HAVE PARTNERED WITH ONE OF THE BIGGEST LEGAL FIRMS IN AMERICA TO HELP YOU IN YOUR DEBT AND CREDIT RESTORATION JOURNEY!
FAQ'S
WHY DO I HAVE TO KEEP MY MONITORING SERVICE ON?
Your monitoring service is our tools that we need in order to see your credit report. This is what allows us to receive updates and correspondence from the credit bureaus. Without them, we are not able to see what’s going on and where to aim for next. We want you to have great results. This is what helps us get the best and fastest results for you.
WHEN WILL MY SCORE GO UP?
EVERYONE’S FILE IS DIFFERENT. SO WE CAN’T SAY EXACTLY WHEN, BUT GENERALLY WITHIN THE FIRST ROUND OF 30-45 DAYS WE WILL START TO RECEIVE RESULTS OF DELETIONS WHICH NORMALLY WILL RAISE YOUR SCORE. OUR PROGRAM IS DESIGNED TO BE DONE WITHIN 90 DAYS, SO IF YOUR SCORE DOESN’T MOVE IN THE FIRST 30 DAYS, PLEASE BE PATIENT. WE WORK STRATEGICALLY TO GET THE BEST RESULTS FOR YOU.
WHEN CAN I GET A CREDIT CARD?
YOU CAN GET A SECURED CARD WHILE IN THE PROGRAM, ESPECIALLY IF YOU DON’T HAVE ANY OF YOUR OWN CREDIT ACCOUNTS. WE HAVE A FEW Excellent SECURED CARDS WE RECOMMEND. CONTACT OUR SUPPORT OR EMAIL US IF YOU ARE INTERESTED.
CAN YOU REMOVE REPOS?
Yes, repos can be disputed to be removed. Just like any other negative information, the information is incorrect, and therefore it should not be on your credit report. We point out the errors and use the FCRA laws to get them removed.
I GOT A NEW COLLECTION LETTER SHOULD I PAY IT?
I GOT A NEW COLLECTION LETTER SHOULD I PAY IT?
Don’t respond to these notices or letters. During the credit repair process, it is very common to receive collection notices, letters etc. This is normal. The reason why is they want you to respond and validate the debt, so they can tie you to the debt. Most of the time, it’s because they are receiving notices from the credit bureaus that is in dispute, and they have no information to prove you owe this debt.
WHY HAVEN’T THE CREDIT BUREAUS RESPONDED?
WHY HAVEN’T THE CREDIT BUREAUS RESPONDED?
The credit bureaus have 30 days to respond to each letter. Sometimes the credit bureaus don’t respond for many reasons. They don’t approve of your documents, it’s too soon from the last letter, and they are waiting for a response from creditors. Even though it is 30 days from the letter, you have to keep in mind the mail system and time. Sometimes they just choose not to. That’s why we have to continue with other letters to hold them accountable for getting the items removed.
WHAT ELSE CAN I DO TO HELP RAISE MY SCORE?
THERE ARE A FEW THINGS YOU CAN DO TO HELP RAISE YOUR SCORE. 1. PAY YOUR EXISTING AC COUNTS ON TIME. 1 LATE PAYMENT CAN DROP YOUR SCORE UP TO 100 POINTS! 2. UTILIZATION. TRY TO KEEP YOUR UTILIZATION DOWN ON YOUR CARDS TO ABOUT 10-20 % WHEN A CARD IS MAXED OR HIGH UTILIZATION, IT’S LIKE AN ANCHOR. IT HOLDS YOUR CREDIT SCORE BACK AND PREVENTS IT FROM RISING. 3. DON’T OPEN ANY NEW ACCOUNTS WHILE DURING THE CREDIT REPAIR UNLESS WE ADVISE YOU TO. BRINGING ON MORE DEBT WILL ADJUST YOUR CREDIT PORTFOLIO AND CAN HAVE NEGATIVE IMPACT ON YOUR SCORE.
CAN I APPLY FOR NEW CREDIT OR A HOUSE WHILE IN THE PROGRAM?
PLEASE REFRAIN FROM ALL MAJOR PURCHASES THAT PULL YOUR CREDIT WHILE IN THE PROGRAM. MAKE SURE YOU ALLOW AMPLE TIME BEFORE STARTING THE PROGRAM BEFORE YOU PLAN TO MAKE THESE PURCHASES AS IT WILL AFFECT OUR PROGRESS, THANKS
HOW DOES YOUR SERVICE WORK?
WE WILL ASSIST YOU IN OBTAINING CREDIT RECORDS FOR YOU FROM ALL THREE CREDIT BUREAUS;
WITHIN MINUTES OF OUR RECEIPT OF YOUR MEMBERSHIP, WE WILL SET UP YOUR OWN PRIVATE CLIENT PORTAL WHICH WILL ALLOW YOU TO CHECK THE PROGRESS MADE IN YOUR CREDIT RESTORATION PROCESS DURING THE TERM OF THIS AGREEMENT;
WE HAVE CREDIT TOOLS, CREDIT VIDEOS, AND CREDIT RESOURCES INSIDE YOUR PRIVATE CLIENT PORTAL FOR YOUR REVIEW.
WITHIN YOUR PRIVATE CLIENT PORTAL WE WILL PROVIDE YOU WITH BUDGET PLANNING TOOLS SUCH AS A BUDGET WORKBOOK, FAMILY FINANCE PLANNER, BUDGET TOOLS, BUDGET CALCULATORS, AND LOAN REPAYMENT CALCULATORS;
WE WILL PREPARE AND SUBMIT AN INITIAL ROUND OF DISPUTE LETTERS FOR ITEMS APPEARING ON YOUR CREDIT REPORTS, WHICH YOU INDICATE ARE EITHER INACCURATE, INCOMPLETE, OBSOLETE, OR UNVERIFIABLE AS PER THE FAIR CREDIT REPORTING ACT;
WE MAY PREPARE AND SUBMIT FOLLOW-UP ADDITIONAL ROUNDS OF DISPUTE LETTERS WITH THE CREDIT BUREAUS, IF IT IS ALLOWED BY LAW, AS PER THE FAIR CREDIT REPORTING ACT, FAIR DEBT COLLECTION PRACTICES ACT, FAIR, AND ACCURATE CREDIT TRANSACTIONS ACT, AND THE FAIR CREDIT BILLING ACT, AND SUBJECT TO AN ADDITIONAL FEE AS DESCRIBED BELOW;
WE WILL POST ALL RESOLVED ITEMS TO YOUR PRIVATE PORTAL;
WE WILL PROVIDE TELEPHONE AND E-MAIL ASSISTANCE IN ANSWERING QUESTIONS REGARDING YOUR CREDIT RESTORATION PROCESS FROM 9:00 AM TO 5:00 PM, CST, MONDAY THROUGH FRIDAY (EXCLUDING HOLIDAYS).
WE ARE ONLY ABLE TO CHALLENGE ITEMS UNDER THE RULES OF THE ABOVE ACTS AS ALLOWED BY LAW;
ALTHOUGH WE WILL PROVIDE THE SERVICES WHICH ARE DESCRIBED IN THIS AGREEMENT, UNFORTUNATELY, WE ARE NOT ABLE TO GUARANTEE ANY PARTICULAR RESULT.
CAN I DISPUTE ONLINE?
SOME COMPANIES TRY TO SPEED UP THEIR SERVICE BY USING ONLINE DISPUTES. THERE ARE A WHOLE HOST OF REASONS NOT TO DO THIS. ADDITIONALLY, YOU SHOULD NEVER DISPUTE ONLINE EITHER. HERE’S WHY :
WHEN A DISPUTE IS ENTERED ONLINE, IT GOES INTO EDRP OR EXPEDITED DISPUTE RESOLUTION PROCESS. THIS SOUNDS GREAT UNTIL YOU READ A LITTLE FURTHER UNTO THE FCRA. IT CLEARLY STATES THAT IF A DISPUTE GOES INTO EDRP THEN THE BUREAUS DO NOT HAVE TO COMPLY WITH CERTAIN SECTIONS OF THE FCRA.
DID YOU HEAR THAT? THEY GET TO IGNORE THE LAW!
THE SECTIONS THEY DON’T HAVE TO COMPLY WITH ARE ALSO QUITE HANDY IN THE CREDIT REPAIR PROCESS. ONE SECTION IS THE “METHOD OF VERIFICATION” SECTION. IF AN ITEM COMES BACK AS VERIFIED, THEY DON’T HAVE TO TELL YOU “HOW” IT WAS VERIFIED. ANOTHER SECTION IS THE “RE-INSERTION LETTER” SECTION. USUALLY, IF AN ITEM IS DELETED, THERE ARE STEPS THE BUREAU MUST FOLLOW IN ORDER TO BE ABLE TO RE-INSERT THAT ITEM. ONE OF THESE STEPS IS TO SEND YOU A RE-INSERTION LETTER BEFORE PLACING THE ITEM BACK ON YOUR REPORT. THE SIMPLE COST OF CREATING AND SENDING THIS LETTER DRASTICALLY LIMITS THE AMOUNT OF RE-INSERTED ITEMS. IF AN ITEM IS PROCESSED UNDER EDRP, THIS LETTER IS NO LONGER REQUIRED! THEY CAN JUST PUT THE ITEM BACK WHENEVER THEY GET GOOD AND READY.
JUST TAKE OUR ADVICE… DON’T DISPUTE ONLINE.
WHY DO I HAVE TO PROVE MY IDENTITY?
THE SIMPLE ANSWER IS BECAUSE THE CREDIT BUREAUS SAY SO. UNFORTUNATELY, THERE IS WORDING IN THE LAW TO REQUIRE YOU TO GIVE THEM INFORMATION. IF YOU DON’T SUPPLY THE PROOF OF YOUR IDENTITY AND ADDRESS, THE BUREAUS WILL SIMPLY IGNORE YOUR DISPUTE AND YOU WILL GET NOWHERE. BELOW IS A LIST OF WHAT CAN BE USED AS PROOFS.
👉You must send at least two of the following:
Driver’s License
Social Security number
Cancelled Check
Utility Bill
Pay Stub
W2 Form
Social Security number
Cancelled Check
Utility Bill
Pay Stub
W2 Form
Lease Agreement
Bank Statement
LINKS
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- FREE RESOURCES
- ENROLLMENT FORM
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- CREDIT ACADEMY
- JOIN OUR GROUP
- SCHEDULE A CONSULTATION
- WE ARE HIRING FOR REFERRAL AGENTS APPLY HERE
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- TEXT US ANYTIME
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- BUILD YOUR CREDIT
