Based on your immediate and long-term financial needs and goals, we devise a credit and debt management program. We improve your credit score and reduce your debt in a realistic fashion while explaining the details of the credit improvement process to you. We help you understand expectations as well as the timeframe required to achieve your goals.

In order to achieve the greatest improvement in the shortest time possible, we begin your credit management profile with credit repair and debt management. Even more, we also provide on-going consultation, training, and education.

We perform the most thorough Credit Report Analysis preventing you from having a good credit rating.

Your FICO score is not just based on missing a payment or two. We all know Credit History counts. But it counts for 35% of the FICO score. Credit Usage, how much of your available credit are you using, accounts for 30%. The Length of Your Credit History, how far back does it go, counts for 15%. Credit Mix and New Credit account for 10% each. So achieving the highest score possible is not just a matter of handling one black mark.

Other credit repair companies perform credit report analyses…The only expense for this service is the fee for the credit report paid to the credit agencies, which is $36 for an individual and $60 for couples. You are entitled to one free report per year from each credit bureau, and sometimes your bank will send one upom request, but one of these does not provide the full picture necessary to do a complete analysis and formulate a workable strategy to raise your overall score as high as possible.

After thoroughly analyzing your merged 3-bureau credit report, we conduct a free one-on-one consultation explaining negative findings affecting your credit. We present you a personalized Credit Management Profile tailored to your specific financial situation. We offer a clear and understandable perspective on the prioritization of your debt repair needs, and devise a comprehensive strategy addressing all negative items on your credit report. You are informed of your options and the cost of this services. Pricing depends on the severity of your credit report situation and the amount of work required.

We aggressively apply our Credit Recovery Solutions.

The most damaging items on credit report are identified and the process of improving your credit score begins by disputing any items that may be inaccurate or which misrepresent your financial past and/or personal identity

Due to the abundance of errors that are reported on thousands of individual’s credit reports, it is paramount to verify your credit report’s accuracy and the reporting done by each bureau.

After determining which of the items on your credit report are valid and/or accurate, we take action to have all invalid and inaccurate information immediately deleted or corrected, as permitted by federal statutes. Using our proven methods to remediate negative items on your credit report, we continue working on your credit until the most desirable outcome has been reached, enabling you to achieve the highest FICO credit score possible.

We offer solutions to get you out of debt and serve as your personal advisor in matters of credit and debt management.

We’ll help you develop spending priority strategies, set up repayment escrow accounts, and negotiate payment settlement programs. We’ll also educate you on how to accomplish this on your own should you choose that route.

We’ll help you find low interest rates, minimize the negative impact of collection accounts, and help you resolve late payment issues with one-time courtesy removals or payment plans. We’ll help you determine when you should be able to rent or lease property, buy a car or get a loan approval.

You won’t find many companies whose mission is to help improve credit literacy, but that is an integral part of our company’s mission. Not only do we serve to assist you in eliminating debt and improving your credit worthiness, but we also strive to improve your credit literacy.  We want to educate you in financial matters to enable you to be proactive in ensuring the financial security of you and your loved ones, as well as how to use credit as a tool that can potentially allow you to enjoy more of the finer things in life!

In addition to on-going periodic reviews of your credit report, we also provide our clients with one-on-one consultation services regarding most financial matters.

We also have various educational materials specific to particular financial matters, books written by Stacy Notley addressing everything A to Z involving credit. We have our workshop, The Comedy Credit Clinic™, during which Stacy Notley provides an abundance of information concerning credit and how to prevent it from controlling your life.